View 1994 Pontiac Firebird Insurance Cost

Want the cheapest auto insurance rates for your Pontiac Firebird? Sick and tired of scraping the payment together to keep your car insured? Your situation is no different than the majority of other consumers. You have so many insurance companies to pick from, and although it’s nice to have a selection, it makes it harder to adequately compare rates.

It’s smart to do price comparisons once or twice a year because rates go up and down regularly. If you had the lowest premium rates for Firebird insurance on your last policy a different company probably has better prices today. You can find a lot of wrong information about auto insurance online, but in a few minutes you can learn some of the best ways to find cheap auto insurance.

Pricing the cheapest coverage is quite easy. If you are insured now or are just looking to switch companies, you can use these techniques to find better prices while maintaining coverages. Drivers just need to learn the proper way to shop their coverage around on the web.

Discounts can really help lower premiums

Auto insurance is easily one of your largest bills, but there’s a good chance there are discounts that many people don’t even know exist. Some trigger automatically when you quote, but a few need to be requested specifically before being credited.

• Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
• Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
• Resident Student – who live away from home to go to college and don’t have a car can receive lower rates.
• Switch and Save Discount – Some insurance companies provide a discount for switching to them prior to the expiration date on your current policy. You can save around 10% with this discount.
• Clubs and Organizations – Being in a civic or occupational organization could qualify you for a break on your bill.
• Discount for Home Ownership – Just being a homeowner can save a few bucks since owning and maintaining a home shows financial diligence.
• Discount for Passive Restraints – Cars that have air bags or automatic seat belts could see savings up to 30%.

Discounts lower rates, but most discount credits are not given to all coverage premiums. A few only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, you won’t be that lucky.

A list of auto insurance companies and the discounts they provide can be read below.

• 21st Century offers discounts including driver training, anti-lock brakes, good student, student driver, 55 and older, early bird, and automatic seat belts.
• Progressive has discounts for multi-vehicle, online quote discount, continuous coverage, good student, homeowner, and multi-policy.
• State Farm discounts include driver’s education, passive restraint, Drive Safe & Save, anti-theft, and multiple autos.
• Nationwide has savings for defensive driving, family plan, anti-theft, business or organization, easy pay, and Farm Bureau membership.
• Esurance offers discounts for anti-theft, DriveSense, homeowner, multi-policy, anti-lock brakes, and Switch & Save.
• The Hartford offers premium reductions for vehicle fuel type, anti-theft, good student, bundle, defensive driver, and air bag.

Before you buy a policy, ask each company which discounts they offer. Some discounts might not be offered in your area. To find auto insurance companies that have a full spectrum of discounts, click this link.

The best way we recommend to get policy rate comparisons is to know most of the bigger providers provide online access to compare rate quotes. All consumers are required to do is take a few minutes to give details including if your license is active, whether the vehicles are used for commuting, the make and model of your vehicles, and if the car is leased. Your insurance information is then sent to insurance carriers in your area and you get price estimates instantly to find the best rate.

Pontiac Firebird insurance premiums can be reduced

A large part of saving on insurance coverage is knowing the rating factors that play a part in calculating the price you pay for insurance coverage. When you know what positively or negatively influences your rates, this allows you to make good choices that can help you get lower insurance coverage prices.

Listed below are some of the factors insurance coverage companies consider when setting premiums.

• Married drivers get cheaper premiums – Getting married can get you a discount on insurance coverage. Having a spouse translates into being more mature than a single person and it’s proven that being married results in fewer claims.
• Lower rates come with age – Older drivers have been proven to be more responsible, cause fewer claims and accidents and receive fewer citations.Young drivers are statistically shown to be inattentive in a vehicle therefore insurance coverage rates are much higher.
• Deter theft and save money – Selecting a car model that has a built-in theft deterrent system can help bring down rates. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping your vehicle from being stolen.
• How credit rating affects insurance coverage costs – Having a bad credit score factor in calculating your premium rate. Therefore, if your credit can use some improvement, you may save money insuring your 1994 Pontiac Firebird by spending a little time repairing your credit. Drivers with excellent credit scores tend to file fewer claims than those with lower credit scores.
• Don’t abuse insurance claims – If you file a lot of claims you can look forward to higher rates. Companies give cheaper rates to insureds who do not file claims often. Insurance coverage is designed for claims that you cannot pay yourself.
• Never let your policy lapse – Driving with no insurance is illegal and you may have a hard time finding new coverage because you let your coverage lapse. In addition to paying higher premiums, getting caught without coverage may result in fines or a revoked license.
• More traffic means higher claims – Having an address in smaller towns and rural areas of the country is a positive aspect when insuring your vehicles. Drivers in populated areas regularly have traffic congestion and much longer commute distances. Fewer drivers and short commutes corresponds to lower accident rates and also fewer theft and vandalism claims.

Will just any policy work for me?

When it comes to choosing proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Every situation is different and your policy should reflect that. These are some specific questions may help highlight whether or not you might need an agent’s assistance.

• Do I have coverage if my license is suspended?
• When can I cancel my policy?
• What is no-fault insurance?
• Do I need more liability coverage?
• Can my teen driver be rated on a liability-only vehicle?
• When should I remove comp and collision on my 1994 Pontiac Firebird?
• Will filing a claim cost me more?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, free and you can get the answers you need.

Auto insurance policy coverages for a Pontiac Firebird

Learning about specific coverages of a auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages available from auto insurance companies.

Collision insurance

This will pay to fix damage to your Firebird from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like driving through your garage door, backing into a parked car, colliding with another moving vehicle, crashing into a building and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Pontiac Firebird.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for dental work, rehabilitation expenses and doctor visits. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Comprehensive insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like fire damage, rock chips in glass, a tree branch falling on your vehicle and hail damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability auto insurance

Liability coverage will cover damages or injuries you inflict on other people or property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things such as funeral expenses, loss of income, medical expenses and pain and suffering. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Knowledge is power

Throughout this article, we presented quite a bit of information on how to get a better price on 1994 Pontiac Firebird insurance. The key concept to understand is the more times you quote, the better chance you’ll have of finding low cost auto insurance. Consumers could even find that the best price on auto insurance is with a small mutual company. Regional companies may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.

As you quote auto insurance, make sure you don’t sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible at an affordable rate, but do not sacrifice coverage to save money.

To read more, feel free to visit these articles:

• Five Mistakes to Avoid (Insurance Information Insitute)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)
• What is a Telematics Device? (Allstate)
• Auto Insurance Learning Center (State Farm)
• A Tree Fell on Your Car: Now What? (Allstate)