1990 Pontiac Firebird Insurance Rates – 8 Ways to Save

No one likes paying for insurance coverage, especially when their premiums are through the roof.

Because there are so many options when it comes to insurance coverage, it is hard for the average consumer to find the most affordable insurer.

You should make it a habit to take a look at other company’s rates before your policy renews since insurance rates tend to go up over time. If you had the best rates for Firebird coverage on your last policy you may be paying too much now. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the proper way to lower your rates without sacrificing coverage.

The purpose of this post is to familiarize you with how to get online quotes and some money-saving tips. If you currently have car insurance, you will be able to save some money using these tips. But car owners must know how big insurance companies sell insurance online and take advantage of how the system works.

The most recommended method to compare rate quotes is to understand all the major auto insurance companies allow for online access to compare their rates. To begin a comparison, all you need to do is take a few minutes to give details such as how much coverage you want, the type of vehicles you drive, whether or not you need a SR-22, and your job. The rating information is submitted instantly to multiple different insurance companies and you will get price comparisons instantly.

Take these eight discounts and save

Insuring your vehicles can cost a lot, but there could be available discounts that you may not know about. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be inquired about prior to receiving the credit.

  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% for Firebird coverage with certain companies.
  • Military Rewards – Having a deployed family member can result in better rates.
  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Early Switch Discount – Select companies give a discount for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • Auto/Home Discount – When you have multiple policies with one insurance company you could get a discount of approximately 10% to 15%.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Sign Online – A handful of insurance companies will give a small break just for signing your application on their website.

It’s important to understand that many deductions do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, it just doesn’t work that way. Any qualifying discounts will cut the cost of coverage.

For a list of providers with discount insurance coverage rates, click this link.

Which policy gives me the best coverage?

When choosing coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique and your policy should reflect that. These are some specific questions can aid in determining if you may require specific advice.

  • Is my Pontiac Firebird covered if I use it for business?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my policy cover me when driving someone else’s vehicle?
  • When should I remove comp and collision on my 1990 Pontiac Firebird?
  • Can I still get insurance after a DUI?
  • Does my policy cover my teen driver if they drive my company car?
  • How do I buy GAP insurance?
  • Does car insurance cover theft of personal property?
  • Is my 1990 Pontiac Firebird covered for smoke damage?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

Auto insurance 101

Learning about specific coverages of auto insurance can help you determine appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by auto insurance companies.

Coverage for medical payments – Med pay and PIP coverage kick in for immediate expenses for ambulance fees, pain medications, nursing services, surgery and hospital visits. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Uninsured and underinsured coverage – This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Pontiac Firebird.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally these limits are similar to your liability insurance amounts.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, a broken windshield, fire damage, damage from a tornado or hurricane and rock chips in glass. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability auto insurance – Liability insurance can cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as attorney fees, emergency aid, medical expenses, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Collision coverage – This coverage covers damage to your Firebird resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as backing into a parked car, hitting a mailbox, colliding with a tree, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Be a Smart Shopper

Cheap 1990 Pontiac Firebird insurance can be purchased both online and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. Some insurance providers may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

You just learned a lot of tips how to get a better price on insurance. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

When you buy insurance online, don’t be tempted to buy poor coverage just to save money. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase plenty of coverage at the best price.

Helpful resources