1999 Pontiac Firebird Insurance Quotes

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.

Buy car insurance online

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.

Save money by taking advantage of discounts

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.

• Driver Safety – Taking a defensive driver class could possibly earn you a 5% discount and also improve your driving technique.
• Theft Prevention System – Cars, trucks, and SUVs that have factory anti-theft systems prevent vehicle theft so companies will give you a small discount.
• Government Employee Discount – Employees or retirees of the government could qualify for a slight premium decrease on Firebird insurance depending on your insurance coverage provider.
• Clubs and Organizations – Joining specific professional or occupational memberships or organizations is a good way to get lower rates on your next renewal.
• Multi-car Discount – Purchasing coverage when you have multiple vehicles on one policy could earn a price break for each car.
• Discounts for New Vehicles – Insuring a new car can get you a discount since newer models are generally safer.

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.

• State Farm has savings for Steer Clear safe driver discount, good student, multiple policy, safe vehicle, and defensive driving training.
• Geico may offer discounts for multi-policy, driver training, multi-vehicle, daytime running lights, membership and employees, and anti-theft.
• SAFECO offers discounts including bundle discounts, safe driver, accident prevention training, teen safety rewards, drive less, anti-lock brakes, and multi-car.
• Farmers Insurance includes discounts for homeowner, alternative fuel, multi-car, bundle discounts, distant student, and business and professional.
• AAA policyholders can earn discounts including AAA membership discount, good driver, multi-car, education and occupation, good student, anti-theft, and pay-in-full.
• USAA discounts include loyalty savings, multi-vehicle, multi-policy, defensive driver, good student, and new vehicle.

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.

How much insurance coverage do I need?

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.

• When should I remove comp and collision on my 1999 Pontiac Firebird?
• Should I buy only the required minimum liability coverage?
• Why am I required to buy liability insurance?
• Do I have coverage when making deliveries for my home business?
• Can I afford to pay high deductible claims out of pocket?
• Can I afford to buy a different vehicle if my 1999 Pontiac Firebird is totaled?
• Is my camper covered by my car insurance policy?
• Is my trailer covered?
• Why is insurance for a teen driver so high?
• If I drive on a suspended license am I covered?

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.

Lower your insurance costs

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.

• Costs for males may be higher – Over the last 50 years, statistics have shown women are more cautious behind the wheel. However, don’t assume that males are worse at driving than females. They both cause auto accidents in similar numbers, but the men cause more damage and cost insurance companies more money. They also receive more costly citations like driving under the influence (DUI).
• Comp and collision deductibles are a factor – Your deductibles are how much you are required to pay before a claim is paid by your company. Physical damage protection, also called ‘full coverage’, is used to repair damage to your car. Examples of covered claims could be colliding with a stationary object, damage from fire, and having a roll-over accident. The more money you choose to pay out-of-pocket, the less your car insurance will be on Firebird insurance.
• What’s your car’s IIHS safety rating? – Cars with five star safety ratings cost less to insure. Vehicles engineered for safety have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and cheaper rates on your policy. If your Pontiac scored at minimum four stars on Safercar.gov you are probably receiving a discount.
• Car and home together may be cheaper – Lots of car insurance companies will award discounts to customers that have more than one policy, otherwise known as a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. If you currently are using one company, you still need to compare other company rates to guarantee you are still saving the most.
• High credit scores save money – Your credit history is likely to be a major factor in determining premium rates. Consumers who have excellent credit tend to be less risk to insure than drivers who have lower credit ratings. So if your credit score is not that good, you could save money insuring your 1999 Pontiac Firebird if you clean up your credit.
• Better drivers have lower premiums – How you drive has a lot to do with how much you pay for insurance. Drivers who don’t get tickets pay lower auto insurance prices than people who have multiple driving citations. Getting just one driving citation may cause rates to rise by as much as thirty percent. Drivers who have serious citations such as DWI, reckless driving or hit and run convictions may find that they have to to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
• Incidental coverages can add up – There are a lot of extra add-on coverages that can waste your money if you don’t pay attention. Things like roadside assistance, towing coverage, and motor club memberships could be just wasting money. They may seem like a good idea when deciding what coverages you need, but your money might be better spent on other coverage so eliminate them to save money.
• Deter theft and lower prices – Choosing a vehicle that has a built-in theft deterrent system can help lower your premiums. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop your car from being stolen.

Learn about car insurance coverages for a 1999 Pontiac Firebird

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.

Pennies from heaven

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:

• Safe Vehicles for Teens (iihs.org)
• Help Your Teen Be a Better Driver (State Farm)
• Where can I buy Insurance? (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)
• Safety Features for Your New Car (State Farm)
• Learn About Car Insurance (Geico)