Save on 2002 Pontiac Firebird Car Insurance Cost

Price shopping your auto insurance can seem to be a challenge for drivers who are new to online comparison shopping. With literally dozens of insurance companies available, it can easily become a real difficult job to find the lowest price.

You should make it a habit to do rate comparisons quite often because auto insurance prices tend to go up over time. Despite the fact that you may have had the best deal for Firebird insurance two years ago you will most likely find a better rate today. You’ll find quite a bit of inaccurate information about auto insurance online, but in this article, you’re going to get the easiest ways to put money back in your pocket.

The purpose of this post is to help you learn how car insurance quotes work and some tricks to saving. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this information. But vehicle owners should learn how big insurance companies compete online because it can help you find the best coverage.

Why your insurance costs might be higher

Lots of factors are used in the calculation when quoting car insurance. Some are pretty understandable like a motor vehicle report, but other criteria are more obscure like where you live and annual miles driven.It’s important that you understand some of the things that help determine the rates you pay for auto insurance. When you understand what determines premiums, this enables informed choices that could result in cheaper rates.

The itemized list below are a few of the things used by companies to determine your premiums.

• Are females or males drivers cheaper? – The statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that females are better at driving than males. They both have auto accidents in similar percentages, but men cause more damage and cost insurance companies more money. Not only that, but men also get ticketed for serious violations like driving under the influence (DUI). Young males are most likely to cause an accident so they pay the highest premiums.
• How much liability protection – The liability coverage on your policy is the protection if ever you are ruled to be at fault for physical damage or personal injury to other. Liability insurance provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive compared to comp and collision, so insureds should have plenty of protection for their assets.
• Do you really need the add-on coverages? – There are many add-on coverages that can add up on your Firebird policy. Things like vanishing deductibles, accident forgiveness, and additional equipment coverage may not be needed and are just wasting money. The coverages may be enticing at first, but if they’re wasting money eliminate them to save money.
• Single vs. married – Your spouse may save some money when shopping for auto insurance. It means you’re more mature and it’s statistically proven that married drivers tend to have fewer serious accidents.
• Stress out and pay more – Did you know your occupation can influence how much you pay for auto insurance? Jobs like military personnel, architects and stock brokers have higher rates than the rest of us attributed to job stress and lots of time spent at work. On the other hand, careers like actors, historians and retirees get better rates for Firebird insurance.
• High physical damage deductibles lower prices – Deductibles for physical damage state the amount of money you are willing to pay before a claim is paid by your company. Physical damage insurance, also called comprehensive and collision insurance, is used to repair damage to your car. Some coverage claims could be a windshield broken by a bird, animal collisions, and having a roll-over accident. The more expense you choose to pay out-of-pocket, the lower your rates will be for Firebird insurance.

How to shop car insurance online

To find low cost auto insurance quotes, there are several ways to obtain and compare prices from companies that offer car insurance in your state. The easiest way to compare 2002 Pontiac Firebird insurance prices is to get quotes online. It’s really quite simple and can be done in just a few minutes using one of these methods.

1. One of the best ways to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This style of form eliminates the need for repetitive form submissions for every car insurance company. Just one form will get you rate comparisons from all major companies. It’s the fastest way to compare.
2. A different way to compare prices consists of visiting each individual company website and fill out their own quote form. For examples sake, we’ll assume you want to compare Nationwide, Geico and Farmers. To get rate quotes you would need to take the time to go to each site and enter your information, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.
3. The least efficient and most time consuming way to get price estimates is driving to insurance agencies in your area. Doing it all online eliminates the middleman unless you want the trained advice of a local agency. Drivers can obtain prices from the web and have a local agent actually service the policy.

It’s up to you which method you use, but do your best to use equivalent coverage information for each price quote. If you compare differing limits it’s impossible to determine which rate is truly the best. Just slight variations in coverage limits could throw off the whole comparison. And when comparing car insurance rates, know that comparing a wide range of rates will enable you to find better pricing. Some smaller insurers to not give prices over the internet, so it’s necessary to compare price estimates on coverage from those companies, too.

Discount auto insurance rates

The price of auto insurance can be rather high, but there could be available discounts that can help lower your rates. Many discounts should be triggered when you complete an application, but lesser-known reductions have to be asked for prior to receiving the credit.

• Senior Citizens – If you qualify as a senior citizen, you can get a slight reduction on a auto insurance quote for Firebird insurance.
• Low Mileage – Low mileage vehicles can earn substantially lower auto insurancerates.
• Cautious Drivers – Drivers who don’t get into accidents can save as much as half off their rates for Firebird insurance compared to accident prone drivers.
• Passive Restraints and Air Bags – Factory options such as air bags may qualify for discounts of 20% or more.
• Homeowners Discount – Owning a house can help you save on auto insurance because maintaining a house shows financial diligence.
• Online Discount – Certain insurance companies will give you a small discount for buying a policy and signing up online.
• Defensive Driver Discount – Completing a course that instructs on driving safety can save you 5% or more and easily recoup the cost of the course.
• Discount for Good Grades – Excelling in school can save 20 to 25%. The good student discount can last up until you turn 25.

A quick disclaimer, many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you can get free auto insurance, companies wouldn’t make money that way.

To choose insurers with discount rates, click here to view.

Tailor your insurance coverage to you

When buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Each situation is unique.

These are some specific questions might help in determining whether your personal situation might need an agent’s assistance.

• When does my teenage driver need to be added to my policy?
• Do I benefit by insuring my home with the same company?
• What should my uninsured motorist coverage limits be in my state?
• Is upholstery damage covered by car insurance?
• Am I covered when pulling a rental trailer?
• Does my policy cover my teen driver if they drive my company car?
• Am I covered if I break a side mirror?
• Do I need medical payments coverage since I have good health insurance?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Specifics of your auto insurance policy

Understanding the coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Comprehensive protection

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a broken windshield, rock chips in glass, hitting a deer and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2002 Pontiac Firebird.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Auto collision coverage

Collision insurance pays for damage to your Firebird resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with another moving vehicle, colliding with a tree, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Medical expense coverage

Med pay and PIP coverage provide coverage for immediate expenses like pain medications, funeral costs and prosthetic devices. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Liability coverages

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

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as emergency aid, medical expenses, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

In conclusion

When shopping online for auto insurance, make sure you don’t sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice liability coverage limits only to discover later that the few dollars in savings costed them thousands. The goal is to purchase a proper amount of coverage at the best cost but still have enough coverage for asset protection.

Insureds who switch companies do it for many reasons like an unsatisfactory settlement offer, policy cancellation, delays in responding to claim requests and policy non-renewal. No matter why you want to switch, finding the right auto insurance provider is not as hard as you think.

Discount 2002 Pontiac Firebird insurance is available from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best selection. A few companies do not offer online quoting and most of the time these smaller companies only sell through independent insurance agents.

Additional articles

• Where can I buy Insurance? (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)
• Car Insurance FAQ (Trusted Choice)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Teen Driver Statistics (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)