Compare 1996 Pontiac Firebird Insurance Quotes

Want the cheapest car insurance rates for your Pontiac Firebird? Do you get exhausted from wondering where the money will come from to pay high car insurance rates every month? You are in the same boat as millions of other drivers. Numerous insurers battle for your hard-earned dollar, so it can be very hard to choose a insurance company and uncover the absolute lowest price

If you have insurance now or are just looking to switch companies, you can use these tips to get lower rates while maintaining coverages. Buying car insurance is not that difficult. Drivers just need to learn the most effective way to shop online.

Save a ton with these discounts

Buying auto insurance is not cheap, but there may be some discounts that may help make it more affordable. Some of these disounts will be visible at quote time, but once in a while a discount must be manually applied in order for you to get them.

• Own a Home – Owning a home can get you a discount due to the fact that maintaining a home is proof that your finances are in order.
• Theft Deterent System – Vehicles that have factory alarm systems and tracking devices can help prevent theft and earn discounts up to 10% off your insurance coverage quote.
• Pay Upfront and Save – By paying your entire bill at once rather than paying in monthly installments you could save 5% or more.
• Distant Student – Older children who are enrolled in a college that is more than 100 miles from home and do not take a car to college can receive lower rates.
• Federal Employees – Active or former government employment can earn a discount up to 10% for Firebird coverage depending on your auto insurance provider.
• Driving Data Discount – People who choose to allow companies to look at when and where they use their vehicle by using a telematics device such as State Farm’s In-Drive may see discounts if their driving habits are good.
• Drivers Education – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education if it’s offered in school.
• Paperless Signup – Many auto insurance companies give back up to $50 get insurance coverage on their website.
• Braking Control Discount – Cars with ABS and/or traction control have fewer accidents so companies give up to a 10% discount.

Consumers should know that many deductions do not apply the the whole policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like it’s possible to get free car insurance, you won’t be that lucky.

To locate auto insurance companies that offer some of these discounts, click this link.

First Step: Get free insurance quotes

All the larger insurance companies such as Allstate and Progressive provide prices for coverage from their websites. Getting online quotes is fairly simple because you just enter the coverage amounts you desire as detailed in the form. Once you submit the form, the company’s rating system will order information on your driving record and credit history and returns pricing information based on many factors. Online quotes helps simplify price comparisons, but the time required to go to each company’s website and repetitively complete many quote forms is repetitive and time-consuming. But it’s absolutely necessary to have as many quotes as possible in order to find a lower rate.

The better way to compare rates

A more efficient way to lower your rates is to use a quote form that gets price quotes from a lot of companies. The form is fast, reduces the work, and makes quoting online much simpler. After your information is entered, it is quoted with multiple companies and you can pick any of the price quotes you receive. If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. This process can be completed in less than 10 minutes and may result in a nice savings.

To find out if lower rates are available, click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you replicate the coverage information just like they are on your policy. Doing this assures you will be getting a price comparison for the exact same coverage.

How to lower your insurance premiums

A large part of saving on insurance is knowing a few of the rating criteria that help calculate the price you pay for insurance. If you know what determines base rates, this allows you to make good choices that could result in big savings. Many different elements are considered when you get your auto insurance bill. Some factors are common sense like a motor vehicle report, although others are not quite as obvious such as your marital status and annual miles driven.

The itemized list below are a few of the things insurance companies consider when setting your rates.

• Your address can modify price – Residing in smaller towns and rural areas of the country may provide you with better prices when buying insurance. Fewer drivers and short commutes means less chance of accidents as well as less vandalism and auto theft. Urban drivers regularly have congested traffic and a longer drive to work. More time on the road means a statistically higher chance of an accident.
• High credit score translates to low rates – Credit score is likely to be a major factor in determining what you pay. People with excellent credit scores tend to be better risks to insure than drivers who have poor credit scores. Therefore, if your credit score is not that good, you may save money insuring your 1996 Pontiac Firebird by improving your rating.
• Do you save by driving less? – Driving a lot of miles in a year’s time the more you’ll pay to insure your vehicle. Almost all companies charge rates determined by how the vehicle is used. Cars that are left in the garage get more affordable rates than cars that get driven a lot. It’s a good idea to make sure your policy correctly shows the right rating data. An incorrectly rated Firebird may be wasting your money.
• Vehicle theft costs us all – Selecting a car model with an alarm system can save you a little every year. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent vehicle theft.
• You may save more by bundling policies – Most larger insurance companies apply lower prices for people that purchase more than one policy such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even if you already get this discount, it’s still a good idea to comparison shop to make sure you are getting the best deal.
• High comp and collision deductibles lower costs – Deductibles for physical damage define the amount you are willing to pay before your insurance pays a claim. Physical damage coverage, also called ‘full coverage’, is used to repair damage to your car. Some examples of claims that would be covered are collision with another vehicle, damage caused by hail, and damage from wind. The more expense you pay before a claim is paid (deductible), the lower your rates will be for Firebird coverage.
• Battle of the sexes – Over the last 30 years, statistics show females are less aggressive when driving. This data doesn’t prove that females are better drivers. Males and females get in fender benders at about the same rate, but the male of the species have accidents that have higher claims. They also have more aggressive citations like DWI (DUI) or reckless driving.
• Extra policy coverages could be costing you – There are a ton of extra add-on coverages that you can buy if you aren’t careful. Coverages for rental car reimbursement, high-cost glass coverage, and extra equipment coverage could be just wasting money. These may sound like a good investment at first, but if they’re wasting money eliminate them to save money.

Auto insurance can be complex

When it comes to buying the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Every situation is different so your insurance should reflect that For example, these questions might help in determining whether you might need an agent’s assistance.

• I have a DUI can I still get coverage?
• Can my teen drive my company car?
• How do I file an SR-22 for a DUI in my state?
• Do I need more liability coverage?
• Why does it cost so much to insure a teen driver?
• What is the minimum liability in my state?
• Do I have coverage when making deliveries for my home business?
• Why am I required to buy high-risk coverage?
• Does my liability insurance cover pulling a trailer or camper?
• Do I need motorclub coverage?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Auto insurance coverage considerations

Having a good grasp of auto insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from auto insurance companies.

Coverage for medical expenses

Med pay and PIP coverage pay for immediate expenses such as doctor visits, nursing services, rehabilitation expenses and dental work. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive auto insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, falling objects and rock chips in glass. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Pontiac Firebird.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Auto liability

This coverage provides protection from damage that occurs to a person or their property by causing an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for claims such as funeral expenses, bail bonds, structural damage and loss of income. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Auto collision coverage

Collision coverage pays for damage to your Firebird from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sideswiping another vehicle, colliding with a tree, hitting a parking meter, driving through your garage door and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Power to the consumer

In this article, we presented many ways to lower your 1996 Pontiac Firebird insurance prices. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Consumers may even find the biggest savings come from the least-expected company. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like State Farm and Allstate.

Some companies may not offer the ability to get quotes online and most of the time these regional insurance providers only sell through independent agents. Discount 1996 Pontiac Firebird insurance is available on the web in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.

More information can be found below:

• Senior Drivers (Insurance Information Insitute)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)