1991 Pontiac Firebird Insurance Cost – 9 Tricks for Best Prices

Searching for cheaper insurance coverage rates for your Pontiac Firebird? Car insurance shopping is not a procedure people like to do, but it has to be done to legally drive.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these tips. Finding more affordable coverage is simple if you know the tricks. Although drivers must know how big insurance companies compete online and apply this information to your search.

You probably qualify for some discounts

Car insurance companies don’t list all available discounts very well, so we break down some of the best known and the harder-to-find discounts you could be receiving.

  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. The good student discount can last until age 25.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • Multiple Vehicles – Insuring multiple vehicles on the same auto insurance policy could earn a price break for each car.
  • Low Mileage – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Student in College – Kids in college living away from home attending college and don’t have a car can be insured at a reduced rate.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Homeowners Savings – Being a homeowner can save you money because owning a home is proof that your finances are in order.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of more than 20%.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, auto insurance companies aren’t that generous.

For a list of insurance companies who offer auto insurance discounts, click this link.

Fast and Easy Car Insurance Quotes

There are several ways of comparing rate quotes from car insurance companies in your area. The quickest method to compare 1991 Pontiac Firebird insurance prices is to use the internet to compare rates. This is very easy and can be done in several different ways.

The best way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This type of form eliminates the need for repetitive form entry for every car insurance company. Filling out one form gets you coverage quotes from multiple low-cost companies. This is perfect if you don’t have a lot of time.

Another way to get comparison quotes requires visiting each individual company website to complete their respective quote request forms. For sake of this example, let’s say you want to compare Auto-Owners, Liberty Mutual and GMAC. To find out each rate you need to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular.

For a list of links to insurance companies in your area, click here.

The least efficient method of getting rate comparisons is to waste gas driving to local insurance agencies. Buying insurance online can eliminate the need for a local agent unless you prefer the professional guidance of a licensed agent. You can, however, price shop online but buy from a local insurance agent and we’ll touch on that later.

Whichever method you choose, ensure you are comparing apples-to-apples coverages and limits with each company. If the quotes have different liability limits you can’t possibly determine the best price for your Pontiac Firebird. Having just a slight variation in insurance coverages may result in a large different in cost. And when comparison shopping, comparing a large number of companies will improve the odds of getting a better price.

There’s no such thing as the perfect policy

When buying the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different.

For example, these questions may help highlight whether your personal situation might need an agent’s assistance.

  • What if I total my 1991 Pontiac Firebird and owe more than it’s worth?
  • Do I benefit by insuring my home with the same company?
  • What are the financial responsibility laws in my state?
  • How many claims can I have before being cancelled?
  • How can I find cheaper teen driver insurance?
  • What is an SR-22 filing?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Auto insurance coverage information

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, theft and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills such as hospital visits, X-ray expenses, dental work, surgery and pain medications. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Auto collision coverage

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

Collision can pay for claims like backing into a parked car, rolling your car, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Pontiac Firebird.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Liability car insurance

This protects you from injuries or damage you cause to other people or property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as funeral expenses, court costs, medical services and emergency aid. How much coverage you buy is up to you, but you should buy higher limits if possible.

Do the work, save more money

Drivers switch companies for any number of reasons including high rates after DUI convictions, not issuing a premium refund, high prices or denial of a claim. Regardless of your reason for switching companies, switching car insurance companies is less work than it seems.

Discount 1991 Pontiac Firebird insurance is available online as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. Some insurance providers don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

When shopping online for car insurance, do not skimp on coverage in order to save money. There are too many instances where someone sacrificed liability coverage limits only to regret at claim time that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

Additional car insurance information is located on the following sites: