Lower Your 2000 Pontiac Firebird Insurance Quotes

If shopping for insurance coverage quotes online is new to you, you can be confused by the vast assortment of insurers that all promise the best rates.

Cheaper auto insurance rates with discounts

Companies that sell car insurance don’t always publicize every discount they offer very well, so the list below gives a summary of some of the best known and the harder-to-find credits that may apply to you.

  • No Charge for an Accident – This isn’t a discount exactly, but some insurance companies will forgive one accident without raising rates as long as you don’t have any claims before the accident.
  • Lower Rates for Military – Having an actively deployed family member may lower your rates slightly.
  • Membership in Organizations – Joining certain professional organizations is a good way to get lower rates on your bill.
  • Multiple Vehicles – Buying insurance for several vehicles with one company can get a discount for every vehicle.
  • Drive Safe and Save – Safe drivers can save up to 40% or more on their insurance coverage quote on Firebird coverage than drivers with accidents.
  • Low Miles Discount – Fewer annual miles on your Pontiac could qualify for substantially lower prices.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like you can get free auto insurance, you aren’t that lucky.

A few popular companies and a selection of discounts can be found below.

  • Geico may have discounts that include good student, air bags, multi-policy, membership and employees, daytime running lights, federal employee, and emergency military deployment.
  • Travelers offers discounts including save driver, student away at school, new car, multi-car, multi-policy, and good student.
  • Farm Bureau discounts include driver training, multi-vehicle, multi-policy, safe driver, 55 and retired, and youthful driver.
  • Liberty Mutual offers premium reductions for safety features, multi-car, new graduate, new vehicle discount, and teen driver discount.
  • American Family has savings for air bags, accident-free, good driver, early bird, bundled insurance, and good student.
  • Progressive offers discounts for good student, online quote discount, multi-policy, multi-vehicle, continuous coverage, and online signing.

When getting free insurance coverage quotes, it’s a good idea to each company to give you their best rates. All car insurance discounts may not be available in your area. If you would like to view insurers with discount auto insurance rates, click this link.

How to compare insurance coverage quotes

All the larger insurance coverage companies such as 21st Century, Allstate and State Farm give insurance quotes directly from their websites. The process is very simple because it’s just a matter of typing in the coverage amounts you desire on the page. After you submit the form their rating system obtains your credit score and driving record and quotes a price.

Online price estimates makes it simple to compare prices but having to visit multiple sites and type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to have as many quotes as possible in order to find a lower rate.

An easier way to lower your rates requires only one form that gets prices from many companies. It’s a real time-saver, requires much less work on your part, and makes online shopping much easier. As soon as you send your information, it gets priced and you can select any of the pricing results. If a lower price is quoted, you can simply submit the application and purchase the new policy. The entire process just takes a couple of minutes and you’ll know if lower rates are available.

In order to compare pricing, click here and enter your information. If you currently have coverage, we recommend you complete the form with coverages and limits exactly as shown on your declarations page. Doing this guarantees you will receive an apples-to-apples comparison using the exact same coverages.

How do car insurance companies determine Pontiac Firebird insurance prices?

Lots of factors are used when premium rates are determined. Some are pretty understandable like an MVR report, although some other factors are more transparent such as whether you are married or your vehicle rating.

  • Marriage is a factor – Walking down the aisle may cut your premiums when buying car insurance. Having a significant other means you’re less irresponsible and insurance companies like that drivers who are married are more cautious.
  • Never have car insurance lapses – Not having insurance is not a good idea and as a result your rates will increase for letting your insurance lapse. Not only will rates go up, getting caught without coverage can result in a revoked license or a big fine.
  • Rural vs Urban Areas – Residing in less populated areas is a positive aspect when shopping for auto insurance. People in densly populated areas have congested traffic and longer commutes to work. Fewer drivers on the road means less chance of accidents and lower theft and vandalism rates.
  • Better prices on cars with good safety ratings – Vehicles that have high safety ratings get lower rates. Vehicles engineered for safety result in less severe injuries and lower injury rates translates into savings for insurance companies passed on to you as lower rates.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Each situation is unique.

For example, these questions might point out whether your personal situation could use an agent’s help.

  • Am I covered if I wreck a rental car?
  • Will my rates increase for filing one claim?
  • Does my car insurance cover rental cars?
  • Can I still get insurance after a DUI?
  • Do I need an umbrella policy?
  • How can I find cheaper teen driver insurance?

If it’s difficult to answer 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.

Coverage specifics

Understanding the coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Pontiac Firebird.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as vandalism, theft, rock chips in glass, damage from getting keyed and a broken windshield. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for bills for nursing services, rehabilitation expenses, hospital visits, X-ray expenses and pain medications. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability auto insurance

Liability coverage can cover damage that occurs to a person or their property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like bail bonds, funeral expenses, attorney fees and legal defense fees. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Collision protection

Collision insurance pays for damage to your Firebird from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a ditch, scraping a guard rail, hitting a mailbox, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Final considerations

When searching for inexpensive insurance coverage quotes, you should never reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice full coverage to discover at claim time that it was a big mistake. Your goal should be to purchase a proper amount of coverage at the best cost, but do not sacrifice coverage to save money.

People switch companies for any number of reasons including an unsatisfactory settlement offer, unfair underwriting practices, extreme rates for teen drivers or even delays in paying claims. Regardless of your reason for switching companies, finding a great new company is pretty simple and you could end up saving a buck or two.

Throughout this article, we presented many tips how you can reduce 2000 Pontiac Firebird insurance premium rates online. The key concept to understand is the more rate comparisons you have, the better likelihood of getting cheaper insurance coverage. Consumers could even find that the best premium rates are with the smaller companies.

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Comments About 2000 Pontiac Firebird Insurance

  1. Leonarda Raymond

    If you have a good history and live near Louisville, KY, check out Progressive. I saved quite a bit. Got better coverage too. :P

  2. Zita Sears

    If you don’t have tickets and are close to Chesapeake, VA, check out Allstate. They seem to be cheaper. Just liability coverage since it’s getting old.

  3. Jenise Rodriguez

    If you’re from Nampa, ID get quotes from Allstate and GEICO and you might save.

  4. Haley Calderon

    Nice info. Went with Progressive for my Firebird and saved around $80 a year.

  5. Melvin Chapman

    If you have a clean record and live in the vicinity of Worcester, Massachusetts, check out Progressive. You might get cheaper rates. I think they have home insurance too. Bought it from an online quote. When should I drop full coverage?

  6. Gudrun Harding

    Cheaper not always better. Live in the western part of Springfield, MA. Got free quotes online for a 2000 Pontiac Firebird. Ended up at about $80 savings annually. Went with Allstate. Was with USAA.

  7. Brigida Watts

    Mine is so expensive. Live in Des Moines, Iowa. Received quotes with GMAC, Amica, Mercury, and a couple others for my Firebird and I’m now saving $20 a month. Left Eastwood to switch. I quoted rates online then called them.

  8. Rosario Smith

    Liked the article. From Kansas City, MO. Received quotes from Progressive, Auto-Owners, and some I forget for my Firebird and saved just over $80 a year. Left Liberty Mutual to switch. Moved home policy as well. Did it all online. It’s only liability tho.

  9. Jed Mcdowell

    I’m in the suburbs of Louisville, Kentucky. Checked online prices for a 2000 Pontiac Firebird. Ended up at about $70 savings annually. Went with GEICO. Was with Safeco. I get multi-vehicle and multi-policy discounts. LOL I dropped full coverage awhile back.

  10. Barrie Copeland

    I’m in Sioux Falls, South Dakota. Not sure of all the companies but I ended up saving about $20 each month. Was with Western Auto Insurance. BTW speeding tickets are not good.

  11. Ming Cain

    If you’re a decent driver and live in the vicinity of Missoula, MT, check out Allstate. They seem to be cheaper. Insured with Allstate before. Good multi-policy discounts.

  12. Augustina Greene

    Liked the article. Got a quote with GMAC for my 2000 Pontiac Firebird and saved around $60 a year. Was with Farmers. Highly recommended.