Want better insurance coverage rates for your Pontiac Firebird? Locating lower-cost insurance coverage on the web is challenging for people new to quoting and comparing rates and buying insurance coverage online. With literally dozens of companies in the marketplace, how can you effectively compare each option to find better insurance coverage prices?
Consumers should take time to compare prices every six months because prices are usually higher with each renewal. Despite the fact that you may have had the lowest quotes on Firebird insurance two years ago there may be better deals available now. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate the quickest way to buy cheaper insurance coverage.
Most larger insurance companies like State Farm, Geico and Progressive give insurance quotes from their websites. Comparing prices online is quite simple as you just enter the coverages you want as requested by the quote form. Behind the scenes, the quote system will order information on your driving record and credit history and generates pricing information based on many factors.
Online quotes helps simplify price comparisons, but the process of having to visit multiple sites and type in the same information is a waste of time. Unfortunately, it is important to compare as many rates as possible if you want to get the lowest price.
There is a better way!
The quickest way to lower your car insurance bill utilizes a single form to get prices from many companies. It saves time, requires less work, and makes online quotes much easier. After your information is entered, it gets priced and you are able to buy any or none of the price quotes you receive. If you find a better price you can simply submit the application and purchase the new policy. The whole process just takes a couple of minutes and you will find out if you’re overpaying now.
To save time and compare rates using this form now, click here to open in a new tab and submit your coverage information. To compare your current rates, we recommend you complete the form with your coverages exactly as shown on your declarations page. This makes sure you will receive an apples-to-apples comparison based on similar coverages.
Some insurers don’t necessarily list every disount available in an easy-to-find place, so we researched some of the best known in addition to some of the lesser obvious ways to save on insurance coverage.
Just know that many deductions do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky. But any discount will help lower your policy cost.
Larger insurance coverage companies and their possible discounts can be read below.
When quoting, ask every insurance company how you can save money. A few discounts might not be offered in your area. If you would like to choose from a list of insurers that offer discounts, follow this link.
When choosing adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Every situation is different.
For example, these questions may help highlight whether your personal situation would benefit from an agent’s advice.
If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form.
An important part of buying insurance is that you know the factors that play a part in calculating the rates you pay for car insurance. If you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that can earn you better car insurance rates. Many different elements are considered when you quote your car insurance policy. Some factors are common sense like your driving record, although others are more obscure like your vehicle usage or your commute time.
Shown below are some of the major factors utilized by car insurance companies to help set your rate level.
Understanding the coverages of car insurance aids in choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.
Liability auto insurance – Liability coverage provides protection from injuries or damage you cause to other’s property or people. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability can pay for things like funeral expenses, emergency aid and legal defense fees. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.
Collision – This coverage pays for damage to your Firebird resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims like hitting a parking meter, rolling your car and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.
Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for ambulance fees, funeral costs and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay
Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1999 Pontiac Firebird.
Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
Comprehensive (Other than Collision) – Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things such as theft, damage from flooding and hail damage. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Throughout this article, we presented many ways to shop for 1999 Pontiac Firebird insurance online. It’s most important to understand that the more times you quote, the better your comparison will be. You may even find the most savings is with a company that doesn’t do a lot of advertising.
Budget-friendly car insurance can be found online as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies do not offer internet price quotes and these smaller companies provide coverage only through independent insurance agencies.
Insureds leave their current company for many reasons like questionable increases in premium, policy cancellation, delays in responding to claim requests and being labeled a high risk driver. No matter why you want to switch, switching car insurance companies is pretty simple and you could end up saving a buck or two.
Even more information is located at these sites:
Yaeko Lynch
I’m from Colorado Springs, CO. I got free prices from Liberty Mutual, American Family, Mercury, and a couple others for my Firebird and I’m now saving $17 a month. Online quotes are the way to go.
Jaimie Dejesus
I found pretty cheap rate quotes for a 1999 Pontiac Firebird in Charleston, SC. Ended up at roughly $80 every six months with Amica. Have a couple speeding tickets too. I don’t insure for physical damage though.
Doreatha Waters
Great info, thanks for posting. I live in Minneapolis, Minnesota. I quoted with AIG Insurance, Nationwide, and a few others for my 1999 Pontiac Firebird and I think I cut my rates about $20 each month. You can get a rate quote online. Full coverage costs too much.
Nathalie Gay
Corporate greed I’m telling you. I live just to the south of Idaho Falls, ID. I quoted with Allstate, Hanover, and Erie for my Firebird and I think I am saving around $20 each month. Even increased coverage a bit. My Firebird doesn’t have full coverage.
Pandora Compton
I live in a small town just outside of Portland, OR. Quoted with Progressive, Erie, and Hartford for my Pontiac and I think I saved around $20 each month. Was with Hanover. Teenage drivers are expensive! I don’t insure for physical damage though.
Brittny Shepard
If you have a good history and are close to Spokane, WA, check out 21st Century. They seem to be cheaper. I’m a pretty good driver though. Highly recommended. It’s only liability tho.
Farrah Hogan
If you don’t have tickets and are close to Dallas, TX, check out Allstate. They seem to be cheaper. Insured with Encompass before. I quoted rates online then called them. I only have liability coverage on it.
Mickie Wong
If you have a good history and live near San Diego, California, check out Allstate. You might save some money. Might find lower rates online.
Keshia Fuentes
Proud to be from Colorado Springs, CO. Got free quotes online for a 1999 Pontiac Firebird. Ended up at about $80 savings annually. Went with Allstate. Was with GEICO. I’m thinking about dropping full coverage though.
Valentine Silva
Checking in from Hartford, CT. Quoted a bunch of companies. Saved about $30 a month. State Farm was the best choice for me. Left Western Auto Insurance to switch.
Winston Pittman
I compared a lot of rate quotes for a 1999 Pontiac Firebird in Louisville, KY. Ended up at roughly $90 every six months with AAA. Insured with State Farm before. I have a teen driver too. I got prices on the web.
Graig Vaughan
I can’t pay high rates. Found cheapest coverage with Nationwide for my Firebird and saved about $70 a year. Was with GEICO. Have an at-fault accident tho. Just liability coverage since it’s getting old.
Carl Shepard
Corporate greed I’m telling you. I’m from New Orleans, LA. Quoted rates from Allstate, AIG Insurance, and some I forget for my 1999 Pontiac Firebird and saved just over $60 a year. They offer free online rate quotes.
Rocky Cohen
Good site, thanks. I live in a small town just outside of San Diego, CA. I got free rates from Allstate, Liberty Mutual, and Erie for my 1999 Pontiac Firebird and I’m now saving $20 a month. I have a couple other vehicles on the policy. They offer free online rate quotes.
Wilfred Freeman
I live just outside Springfield, MA. Checked online prices for a 1999 Pontiac Firebird. Ended up at about $70 savings annually. Went with Progressive. :)