1995 Pontiac Firebird Car Insurance Quotes

Consumers have lots of choices when looking for low-cost Pontiac Firebird insurance. You can either spend your time contacting agents trying to get quotes or save time using the internet to make rate comparisons.

There is a better way to shop for insurance so you’re going to learn the quickest way to quote coverages for a new or used Pontiac and locate the lowest possible price from local insurance agents and online providers.

It’s smart to do rate comparisons as often as possible since insurance prices go up and down regularly. If you had the lowest quotes on Firebird coverage on your last policy you may be paying too much now. Ignore everything you know about insurance because we’re going to demonstrate how to use the internet to find better coverage at a better price.

This information will introduce you to how to get online quotes and some tips to save money. If you currently have a car insurance policy, you will be able to cut costs considerably using this information. Consumers only need to know the proper methods to compare rates online.

Car insurance quotes and discounts

Insuring your vehicles can cost a lot, but you may qualify for discounts that you may not even be aware of. Certain discounts will be applied at quote time, but occassionally some discounts must be specifically requested prior to getting the savings. If you do not check that you are getting every discount you deserve, you’re just leaving money on the table.

• Accident Forgiveness Coverage – This one is not really a discount per se, but some insurance companies may permit one accident without the usual rate increase as long as you don’t have any claims prior to being involved in the accident.
• Own a Home – Being a homeowner can help you save on car insurance since owning and maintaining a home is proof of financial responsibility.
• Telematics Data – Drivers who agree to allow their company to track driving manner by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they exhibit good driving behavior.
• Cautious Driver Discounts – Drivers who don’t get into accidents can save up to 40% or more on their car insurance quote on Firebird coverage compared to accident prone drivers.
• Military Rewards – Being deployed in the military may qualify for rate reductions.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower price if you buy life insurance from them.
• Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts may earn rate discounts up to 30%.
• Clubs and Organizations – Joining specific professional or occupational memberships or organizations is a good way to get lower rates when getting a car insurance quote.
• Student in College – Youth drivers who live away from home at college and leave their car at home may be able to be covered for less.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Some only reduce individual premiums such as comprehensive or collision. So even though they make it sound like you could get a free car insurance policy, nobody gets a free ride.

The best car insurance companies and their possible discounts are included below.

• State Farm offers premium reductions for anti-theft, Steer Clear safe driver discount, driver’s education, accident-free, good student, and passive restraint.
• Progressive may offer discounts for continuous coverage, homeowner, multi-policy, online signing, online quote discount, and good student.
• Travelers offers discounts including payment discounts, hybrid/electric vehicle, save driver, IntelliDrive, and multi-car.
• American Family has savings for Steer into Savings, good student, bundled insurance, accident-free, mySafetyValet, TimeAway discount, and early bird.
• Liberty Mutual discounts include teen driver discount, multi-policy, new vehicle discount, new move discount, newly retired, multi-car, and exclusive group savings.

When comparing rates, check with all the companies which credits you are entitled to. Depending on the company, some discounts might not apply everywhere. To locate car insurance companies with discount car insurance rates, click this link.

How much does insurance coverage cost?

There are several ways to compare insurance coverage quotes, but there is one way that is easier and takes less work. You can spend countless hours driving to insurance agencies in your area, or you could use online quotes to get rate comparisons in just a few minutes.

Most car insurance companies are enrolled in a marketplace where insurance shoppers enter their policy data once, and at least one company then returns a price quote based on that data. This system prevents you from having to do quote requests for each company. To find out how much you can save on insurance coverage click here to start a free quote.

The single downside to using this type of form is you don’t know exactly which providers you want to price. So if you want to choose individual companies for rate comparison, we have a listing of insurance coverage companies in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, be certain you are entering identical coverage information for every quote you compare. If you compare different coverage information it will be impossible to determine which company has the best rates.

Situations that may require an agent’s advice

When choosing adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions might help in determining if you could use an agent’s help.

• Do I need to file an SR-22 for a DUI in my state?
• Why does it cost so much to insure a teen driver?
• When should I buy a commercial auto policy?
• Should I rate my 1995 Pontiac Firebird as pleasure use or commute?
• What vehicles should carry emergency assistance coverage?
• What if I don’t agree with a claim settlement offer?
• What is high-risk coverage and where do I buy it?
• Do I need more liability coverage?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Car insurance coverage breakdown

Learning about specific coverages of your car insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for immediate expenses for things like doctor visits, dental work and pain medications. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverages

Liability coverage can cover damage or injury you incur to a person or their property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for things like emergency aid, court costs and legal defense fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive car insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, rock chips in glass, damage from a tornado or hurricane and theft. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Pontiac Firebird.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision protection

This coverage pays for damage to your Firebird resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, rolling your car, sustaining damage from a pot hole, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Have the Midas touch

We’ve covered many ways to reduce 1995 Pontiac Firebird insurance rates online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding affordable car insurance. You may even discover the lowest rates are with some of the lesser-known companies.

When searching for affordable car insurance quotes, it’s a bad idea to reduce coverage to reduce premium. There are too many instances where someone sacrificed liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at the best price but still have enough coverage for asset protection.

Low-cost 1995 Pontiac Firebird insurance can be purchased from both online companies and also from your neighborhood agents, so get free car insurance quotes from both of them in order to have the best chance of saving money. Some insurance companies do not offer rate quotes online and many times these regional insurance providers only sell through independent insurance agents.

Additional detailed information can be found by following these links:

• Neck Injury FAQ (iihs.org)
• Auto Insurance 101 (About.com)
• Credit Impacts Car Insurance Rates (State Farm)
• Cellphones, Texting and Driving (iihs.org)
• Coverage Information (Progressive Insurance)