1999 Pontiac Firebird Insurance Rates

No one cherishes buying insurance, particularly when they are paying too much.

Companies like State Farm, Farmers Insurance, Geico and Allstate increase brand awareness with advertising and it can be hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

Consumers should take time to shop coverage around before your policy renews since rates change quite often. Just because you had the lowest rates on Firebird coverage a year ago other companies may now be cheaper. So ignore everything you know about insurance because we’re going to show you the quickest way to find better rates and still maintain coverage.

If you are paying for car insurance now, you will be able to lower your premiums substantially using this strategy. Finding affordable coverage is easy if you know what you’re doing. But drivers must know how big insurance companies price insurance differently because it can help you find the best coverage.

Discounts are basically free money

Companies that sell car insurance don’t always advertise all available discounts in an easy-to-find place, so we researched both the well known and the more hidden ways to save on auto insurance.

  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Driver Safety – Successfully completing a course in driver safety could save 5% or more if your company offers it.
  • Organization Discounts – Affiliation with a civic or occupational organization is a good way to get lower rates when shopping for auto insurance on Firebird coverage.
  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Senior Citizens – If you’re over the age of 55, you may qualify for better auto insurance rates on Firebird coverage.
  • E-sign – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Safe Drivers – Safe drivers may save up to 50% more on Firebird coverage than drivers with accident claims.

Drivers should understand that some of the credits will not apply to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

Insurance companies that may have these benefits include:

It’s a good idea to ask every prospective company how you can save money. Some discounts may not apply in every state.

Pontiac Firebird premiums are determined by many factors

Consumers need to have an understanding of the rating factors that play a part in calculating your insurance rates. Understanding what controls the rates you pay empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

Shown below are some of the items used by your company to calculate prices.

  • The more you drive the more you pay – The more miles you rack up on your Pontiac in a year the higher your rate. Most companies charge to insure your cars determined by how the vehicle is used. Cars used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. Double check that your insurance policy is rated on how each vehicle is driven, because it can save money. If your policy improperly rates your Firebird can cost quite a bit.
  • Don’t sacrifice liability coverage – Liability insurance is the protection if ever a jury decides you are liable for personal injury or accident damage. It provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive compared to physical damage coverage, so do not cut corners here.
  • Multiple policies with one company can save – Most insurance companies provide better rates to people who have multiple policies with them. It’s known as a multi-policy discount. Discounts can amount to 10 percent or more. If you currently are using one company, you still need to comparison shop to confirm you are receiving the best rates possible. You may still be able to find better rates by buying insurance from a different company.
  • Never allow your policy to lapse – Not having insurance is illegal and insurance companies will penalize you for letting your coverage lapse. And not only will insurance be more expensive, failure to provide proof of insurance can result in a steep fine or even jail time.You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Car features impact rates – Owning a car with an alarm system can get you a discount on your insurance. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
  • Teen drivers pay high rates – Teenage drivers are statistically proven to get distracted easily behind the wheel so they pay higher insurance rates. Parents adding a teen driver onto a policy can be very expensive. Older drivers are more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
  • Men pay higher rates – Statistics show that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Men and women are in accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to receive more costly citations such as DWI and reckless driving. Teenage male drivers are the most expensive to insure and therefore have the most expensive insurance rates.
  • Small claims can cost you – Companies award cheaper rates to insureds who file claims infrequently. If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

Which insurance is the “right” coverage?

When buying adequate coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is unique so your insurance should reflect that These are some specific questions might help in determining if your insurance needs would benefit from professional advice.

  • Is my teen driver covered when they drive my company car?
  • Do I have coverage if my license is suspended?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need medical payments coverage since I have good health insurance?
  • Why is insurance for a teen driver so high?
  • How much underlying liability do I need for an umbrella policy?
  • What are the financial responsibility laws in my state?
  • How do I buy GAP insurance?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Insurance policy specifics

Learning about specific coverages of your policy helps when choosing the right coverages for your vehicles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages offered by insurance companies.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses for X-ray expenses, EMT expenses, surgery, rehabilitation expenses and prosthetic devices. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, hail damage, damage from getting keyed and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for collisions

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like hitting a mailbox, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

UM/UIM Coverage

This gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Pontiac Firebird.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for liability

This provides protection from injuries or damage you cause to people or other property by causing an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as court costs, bail bonds and emergency aid. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Don’t throw your cash in the trash

As you restructure your insurance plan, never buy poor coverage just to save money. In too many instances, an accident victim reduced liability limits or collision coverage and learned later that the small savings ended up costing them much more. Your strategy should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

Affordable 1999 Pontiac Firebird insurance can be sourced both online and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. A few companies do not offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

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