1995 Pontiac Firebird Car Insurance Rates

Trying to find lower insurance rates for your Pontiac Firebird? Searching for low-cost insurance for a new or used Pontiac Firebird can turn out to be a painful process, but you can learn a few tricks and make it easy. There are both good and bad ways to shop for insurance so we’re going to tell you the best way to compare rates for a new or used Pontiac and locate the lowest price either online or from local insurance agents.

It’s a good idea to compare prices before your policy renews because insurance rates are variable and change quite frequently. If you had the best rates for Firebird coverage a couple years back you can probably find a lower rate today. Forget all the misinformation about insurance because you’re about to find out the proper way to reduce your cost while improving coverage.

Don’t overlook these discounts

Auto insurance companies don’t always advertise all their discounts in an easy-to-find place, so the following is a list of some of the best known as well as the least known car insurance savings. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Clubs and Organizations – Being a member of certain professional organizations is a good way to get lower rates on your policy for Firebird coverage.
  • Government Employees – Employees or retirees of the government may qualify you for a discount for Firebird coverage with a few car insurance companies.
  • Student Driver Training – Require your teen driver to enroll in driver’s education if offered at their school.
  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Air Bag Discount – Factory air bags or motorized seat belts may earn rate discounts up to 30%.
  • Homeowners Discount – Owning a home can help you save on car insurance because of the fact that having a home requires personal responsibility.
  • Safe Drivers – Safe drivers may save up to 50% more for Firebird coverage than their less cautious counterparts.
  • Multiple Cars – Insuring all your vehicles with the same company qualifies for this discount.
  • E-sign – Certain companies give back up to $50 for buying your policy online.
  • Auto/Life Discount – Larger companies have lower rates if you buy auto and life insurance together.

Drivers should understand that most discount credits are not given to your bottom line cost. Most only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like you can get free auto insurance, car insurance companies aren’t that generous.

Companies that possibly offer some of the above discounts include:

Before buying, ask all companies you are considering how you can save money. Some discounts might not apply in every state.

Complexity of Pontiac Firebird insurance rates

It’s important that you understand the factors that go into determining insurance rates. Knowing what controls the rates you pay enables informed choices that could result in better insurance rates.

  • Keep rates low by being claim-free – Companies provide cheaper rates to policyholders who do not file claims often. If you frequently file small claims, you can definitely plan on higher rates. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
  • Older drivers save more – Youthful drivers tend to be careless and easily distracted when driving so they pay higher insurance rates. Adding a teen driver onto your insurance can break the bank. More mature drivers are more cautious drivers, tend to file fewer claims and receive fewer citations.
  • Low deductibles can be expensive – Coverage for physical damage, also known as collision and other-than-collision, protects your Pontiac from damage. Some examples of claims that would be covered are collision with another vehicle, vandalism, and windstorm damage. Your deductibles are the amount of money you are willing to pay if you file a covered claim. The higher the amount the insured has to pay upfront, the lower your rates will be for Firebird coverage.
  • Liability coverage is cheap – Liability coverage will protect you if a jury decides you are liable for personal injury or accident damage. It will provide legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
  • Your car’s features help determine rates – Purchasing a vehicle with an alarm system can save you a little every year. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.

Is my situation unique?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions might help in determining whether you might need an agent’s assistance.

  • What is an SR-22 filing?
  • Am I covered if hit by an uninsured driver?
  • Is a new car covered when I drive it off the dealer lot?
  • How much underlying liability do I need for an umbrella policy?
  • Can I drive in Mexico and have coverage?
  • Can I rent a car in Mexico?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.

Auto insurance coverage breakdown

Understanding the coverages of a auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverage – This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as theft, damage from getting keyed and damage from a tornado or hurricane. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

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

Collision coverage protects against things such as hitting a mailbox, crashing into a ditch, driving through your garage door and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability coverage – Liability insurance can cover damage or injury you incur to other’s property or people in an accident. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for claims like emergency aid, structural damage, medical services and funeral expenses. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Pontiac Firebird.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like funeral costs, doctor visits, EMT expenses and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Summing up your car insurance search

Low-cost 1995 Pontiac Firebird insurance is available both online as well as from independent agents, and you need to price shop both to have the best rate selection. There are still a few companies who don’t offer online price quotes and most of the time these small, regional companies sell through independent agents.

Drivers who switch companies do it for a variety of reasons including unfair underwriting practices, poor customer service, an unsatisfactory settlement offer or even delays in paying claims. It doesn’t matter why you want to switch finding a great new company can be pretty painless.

When shopping online for car insurance, never reduce coverage to reduce premium. In too many instances, an accident victim reduced comprehensive coverage or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible for the lowest price.

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