Cheaper 2001 Pontiac Firebird Car Insurance Rates

Looking for lower insurance coverage rates for your Pontiac Firebird? Wish you could get out of overpriced insurance coverage? Believe me when I say many consumers are in the same pinch.

Lots of insurance companies contend to insure your vehicles, so it’s not easy to compare every insurer and get the definite lowest rate possible.

Drivers can save with these money-saving discounts

Not many people think insurance is cheap, but you may be missing some discounts to help offset the cost. Certain discounts will be applied at the time of purchase, but less common discounts must be inquired about prior to getting the savings.

• Savings for New Vehicles – Insuring a vehicle that is new can be considerably cheaper because newer vehicles keep occupants safer.
• Clubs and Organizations – Being in qualifying employment or professional organizations could earn you a nice discount on car insurance.
• Cautious Driver Discount – Insureds who avoid accidents can pay as much as 50% less on Firebird coverage compared to rates paid by drivers with frequent claims.
• Claim Free – Drivers who stay claim-free can save substantially in comparison with bad drivers.
• Pay Now and Pay Less – By paying your entire bill at once rather than spreading payments over time you can actually save on your bill.
• 55 and Retired – Older drivers can possibly qualify for reduced rates on Firebird coverage.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to all coverage premiums. Most only cut specific coverage prices like liability and collision coverage. So when the math indicates you can get free auto insurance, companies don’t profit that way. Any qualifying discounts will positively reduce your policy cost.

A few popular companies and some of the discounts are outlined below.

• Geico includes discounts for military active duty, seat belt use, defensive driver, multi-vehicle, and federal employee.
• MetLife may have discounts that include defensive driver, good driver, claim-free, good student, accident-free, and multi-policy.
• State Farm offers discounts including safe vehicle, passive restraint, anti-theft, good driver, defensive driving training, and Drive Safe & Save.
• Progressive has discounts for online quote discount, multi-vehicle, online signing, multi-policy, and homeowner.
• Mercury Insurance policyholders can earn discounts including multi-policy, age of vehicle, accident-free, low natural disaster claims, type of vehicle, anti-theft, and ease of repair.
• 21st Century discounts include driver training, anti-lock brakes, student driver, good student, theft prevention, 55 and older, and early bird.
• Allstate offers premium reductions for early signing, utility vehicle, EZ pay plan discount, good payer, safe driver, and premier plus.

When quoting, ask each company which discounts you qualify for. Some discounts listed above might not be available to policyholders in every state. For a list of insurers who offer cheap car insurance quotes, follow this link.

Compare car insurance quotes

There are several ways to compare rate quotes from local car insurance companies. The easiest way by far to find the cheapest Pontiac Firebird insurance rates involves getting comparison quotes online. This is quite simple and can be completed using a couple different methods.

1. The most efficient way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This style of form saves time by eliminating repetitive form submissions for each company. A single form will return price quotes instantly.
2. A less efficient way to analyze rates requires visiting each company website and get a separate price quote. For examples sake, we’ll assume you want to compare Nationwide, State Farm and GMAC. You would have to spend time going to each site individually and punch in your information repeatedly, which is why most consumers use the first method.

   To view a list of companies in your area, click here.

The approach you take is up to you, just make sure you compare nearly identical coverages with each company. If the quotes have different data it will be impossible to determine the best price for your Pontiac Firebird. Even a minor difference in insurance coverages or limits could mean much higher rates. Just remember that getting more free quotes gives you a better chance of getting a lower rate than you’re paying now.

What impacts Pontiac Firebird insurance rates?

Many different elements are used in the calculation when premium rates are determined. Some factors are common sense like an MVR report, although others are not quite as obvious such as your credit history and annual miles driven.

The items below are some of the things used by insurance companies to determine your prices.

• Where you call home plays a part – Living in a small town is a good thing when talking about insurance. People in densly populated areas have more traffic problems and longer commutes to work. Lower population means less chance of accidents in addition to fewer liability claims.
• Vocation stress can affect rates – Did you know your insurance rates can be affected by your occupation? Occupations like lawyerspolice officers and emergency personnel tend to pay higher premium rates in part from job stress and long work days. On the other hand, careers such as scientists, students and performers have lower than average premiums on Firebird coverage.
• Marriage discount – Having a significant other can actually save you money on your policy. Having a significant other means you’re more mature and responsible it has been statistically shown that married drivers tend to have fewer serious accidents.
• Buy as much liability insurance as you can afford – A critical coverage on your policy, liability insurance kicks in if you are found to be at fault for causing damage or personal injury in an accident. It will provide legal defense to attempt to prove you were not liable. Liability is cheap compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
• Cheaper rates for prior coverage – Not maintaining insurance can get you a ticket and you may have a hard time finding new coverage because you let your coverage lapse. In addition to paying higher rates, the inability to provide proof of insurance could result in fines and jail time. You may then be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
• Traffic violations are costly – Being a careful driver impacts your car insurance rates tremendously. Good drivers get better prices than people who have multiple driving citations. Only having one driving citation may cause rates to rise to the point where it’s not affordable. Drivers unfortunate enough to have serious violations like DWI, reckless driving or hit and run convictions may face state-mandated requirements to file a SR-22 with their state’s department of motor vehicles in order to legally drive a vehicle.
• Reduce insurance rates by driving safer cars – Cars with five star safety ratings tend to be cheaper to insure. Vehicles built for safety protect occupants better and lower injury rates means less claims paid and cheaper rates on your policy. If your Pontiac has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
• Frequent insurance claims will increase rates – Companies award most affordable rates to insureds who are not frequent claim filers. If you are the type of insured that files lots of claims you can definitely plan on either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the large, substantial claims.

Do I need special coverages?

When it comes to choosing the right insurance coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that might help in determining whether you would benefit from an agent’s advice.

• Why am I be forced to buy a membership to get insurance from some companies?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Do I need more liability coverage?
• Am I better off with higher deductibles on my 2001 Pontiac Firebird?
• What are the financial responsibility laws in my state?
• What if I don’t agree with a claim settlement offer?
• Am I covered if I hit a deer?

If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Save 15 percent in 15 minutes? Is it for real?

Big name companies like State Farm, Geico and Progressive consistently run television, radio, and online ads. They all state the claim that you’ll save big after switching your policy. How does every insurance company lower your car insurance rates? This is the way they can do it.

All the different companies are able to cherry pick for the type of driver that makes them money. A good example of a profitable customer might be described as over age 30, has never had a policy lapse, and insures a new vehicle. Any person who meets those qualifications will get low rates and will also save some money.

Drivers who fall outside these standards will be charged a more expensive rate and the driver buying from a lower-cost company. If you listen closely, the ads state “customers that switch” not “all people who quote” can get the lowest rates when switching. That’s why insurance companies can confidently claim big savings. Because of these techniques, you need to get insurance quotes as often as possible. Because you cannot predict which company will have the best prices.

What car insurance coverages do you need?

Knowing the specifics of car insurance can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages found on most car insurance policies.

Liability coverage

This will cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as emergency aid, repair bills for other people’s vehicles, court costs, structural damage and pain and suffering. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Pontiac Firebird.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for expenses such as EMT expenses, hospital visits, prosthetic devices and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like vandalism, hitting a deer, hail damage and a broken windshield. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

Collision coverage pays for damage to your Firebird caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with a tree, colliding with another moving vehicle, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

In Summary

Some car insurance companies may not provide the ability to get a quote online small, regional companies only sell coverage through independent insurance agencies. Cheap 2001 Pontiac Firebird insurance can be found on the web in addition to local insurance agencies, and you should be comparing both to get a complete price analysis.

While you’re price shopping online, never buy less coverage just to save a little money. There are a lot of situations where an insured cut liability limits or collision coverage only to regret at claim time they didn’t have enough coverage. Your focus should be to buy a smart amount of coverage at the best price while still protecting your assets.

Additional car insurance information is available on the following sites:

• Auto Theft Statistics (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)