Lower Your 1998 Pontiac Firebird Insurance Rates

Trying to find cheaper insurance coverage rates? Buyers have a choice when searching for the best price on Pontiac Firebird insurance. They can either waste time struggling with agents getting price quotes or use the internet to find the lowest rates. There is a right way and a wrong way to buy insurance coverage so we’re going to tell you the best way to quote coverages for your Pontiac and find the best price possible.

It’s a good habit to price shop coverage on a regular basis because insurance coverage rates are constantly changing. Just because you had the best deal for Firebird insurance at your last renewal there may be better deals available now. Block out anything you think you know about insurance coverage because we’re going to demonstrate one of the easiest ways to buy cheaper insurance coverage.

Insurance cost influencing factors

Lots of factors are taken into consideration when pricing auto insurance. Some are obvious such as your driving record, although others are not quite as obvious like where you live or your vehicle rating.Consumers need to have an understanding of some of the elements that are used to determine your car insurance rates. When consumers understand what controls the rates you pay, this allows you to make good choices that may result in lower premium levels.

• Big city or small town – Living in small towns and rural areas is a good thing when talking about car insurance. Drivers in populated areas have congested traffic and a longer drive to work. Less people living in that area means fewer accidents and lower theft and vandalism rates.
• Save money with GPS tracking and theft deterrents – Choosing a vehicle with advanced anti-theft systems can help lower your rates. Systems that thwart theives like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop auto theft.
• Men pay higher costs – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes get in accidents in similar numbers, but guys cause more damage. Men also statistically get more serious tickets like DUI and reckless driving.
• Poor credit decisions can cost you – Having a bad credit history is a large factor in calculating your car insurance rates. Drivers who have high credit ratings tend to file fewer claims and have better driving records than drivers with poor credit scores. If your credit rating is low, you could be paying less to insure your 1998 Pontiac Firebird by repairing your credit.

You may qualify for discounts

Some providers don’t necessarily list all their discounts very clearly, so the below list has a few of the more common as well as the least known credits that you can use to lower your rates.

• Early Signing – A few larger companies allow discounts for buying a policy prior to the expiration date on your current policy. This discount can save up to 10%.
• Own a Home – Being a homeowner may earn you a small savings since home ownership is proof that your finances are in order.
• Discounts for Federal Employees – Employees or retirees of the government may reduce rates when you quote insurance for Firebird insurance but check with your company.
• No Charge for an Accident – Not really a discount, but a handful of insurance companies may permit one accident before raising your premiums if you have no claims prior to being involved in the accident.
• Discount for Good Grades – Excelling in school may save as much as 25% on a insurance quote. Many companies even apply the discount to college students until age 25.
• Multi-line Discount – Insurance companies who offer life insurance give a break if you buy life insurance from them.
• Bundle and Save – If you insure your home and vehicles with the same insurance company they may give you a discount of as much as 10 to 15 percent.

It’s important to note that some of the credits will not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. Despite the appearance that you can get free auto insurance, insurance companies wouldn’t stay in business.

Auto insurance companies who might offer these money-saving discounts may include but are not limited to:

• State Farm
• Geico
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

If you are trying to find low cost insurance quotes, ask each company which credits you are entitled to. Some credits might not be available to policyholders in every state. To choose insurance companies who offer discounts, click here to view.

There’s no such thing as the perfect insurance policy

When buying the best insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every situation is different.

For example, these questions might help in determining whether or not you could use an agent’s help.

• Am I covered when renting a car or should I buy coverage from the car rental agency?
• When would I need additional glass coverage?
• What is an SR-22 filing?
• What can I do if my company won’t pay a claim?
• Does my 1998 Pontiac Firebird need full coverage?
• Who is covered by my policy?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Insurance coverage specifics

Understanding the coverages of insurance can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverages

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

Comprehensive coverage protects against things such as damage from flooding, a tree branch falling on your vehicle, fire damage, damage from a tornado or hurricane and falling objects. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your 1998 Pontiac Firebird.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for rehabilitation expenses, pain medications and surgery. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision insurance

Collision coverage will pay to fix damage to your Firebird from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like driving through your garage door, damaging your car on a curb, colliding with another moving vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible to bring the cost down.

Coverage for liability

This coverage can cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as loss of income, repair bills for other people’s vehicles, medical expenses and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Make a quick buck

People who switch companies do it for many reasons like delays in paying claims, lack of trust in their agent, poor customer service and extreme rates for teen drivers. It doesn’t matter why you want to switch finding the right car insurance provider can be easier than you think.

Throughout this article, we presented a lot of techniques to reduce 1998 Pontiac Firebird insurance premium rates online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from a small mutual company.

When trying to cut insurance costs, make sure you don’t reduce needed coverages to save money. In many cases, an accident victim reduced comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase a proper amount of coverage at an affordable rate but still have enough coverage for asset protection.

For more information, link through to the articles below:

• Credit Impacts Car Insurance Rates (State Farm)
• Top Signs Your Brakes are Giving Out (State Farm)
• Comprehensive Coverage (Liberty Mutual)
• Auto Insurance 101 (About.com)
• Crash Avoidance Technologies FAQ (iihs.org)