2000 Pontiac Firebird Insurance Quotes – 6 Savings Tips

Searching for better auto insurance rates for your Pontiac Firebird? Searching for the cheapest auto insurance over the internet is impossible for people who are new to online price comaprisons. With so many choices of insurers available, how can consumers have a chance to compare every one to find the lowest price?

Choosing the best insurance company for you is not that difficult. Essentially every vehicle owner who carries insurance coverage will more than likely be able to save money. Although car owners need to learn the way insurance companies compete online and apply this information to your search.

The quickest method to compare rate quotes takes advantage of the fact most larger insurance companies participate in online systems to compare rate quotes. The one thing you need to do is provide information like how many miles driven, level of coverage desired, whether or not you need a SR-22, and the year, make and model of vehicles. The rating information gets transmitted to many highly-rated insurers and you will receive price estimates within a short period of time.

Lower rates by qualifying for these six discounts

Companies that sell car insurance don’t list every discount very well, so we took the time to find both the well known as well as the least known ways to save on auto insurance.

  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Multi-car Discount – Having more than one vehicle on the same auto insurance policy could earn a price break for each car.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Low Mileage – Driving fewer miles can earn a substantially lower rate.
  • Resident Student – Children who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Claim Free – Drivers who don’t have accidents pay less when compared with accident-prone drivers.

As a disclaimer on discounts, some credits don’t apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, companies wouldn’t make money that way.

Car insurance companies that may have these discounts may include but are not limited to:

Before buying, ask all companies you are considering what discounts are available to you. Savings may not be available in every state.

Car insurance is unique, just like you

When it comes to buying the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions can aid in determining if your situation would benefit from professional advice.

  • Does coverage extend to my business vehicle?
  • What if I total my 2000 Pontiac Firebird and owe more than it’s worth?
  • I have a DUI can I still get coverage?
  • Does my insurance cover a custom paint job?
  • Should I rate my 2000 Pontiac Firebird as pleasure use or commute?
  • Does my 2000 Pontiac Firebird need full coverage?
  • Can I afford to buy a different vehicle if my 2000 Pontiac Firebird is totaled?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.

Insurance policy specifics

Learning about specific coverages of insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Collision protection

Collision coverage will pay to fix damage to your Firebird caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sideswiping another vehicle, colliding with another moving vehicle, rolling your car, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like chiropractic care, prosthetic devices, ambulance fees and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 2000 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.

Auto liability

Liability coverage protects you from damage that occurs to other people or property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like repair bills for other people’s vehicles, court costs and legal defense fees. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, a broken windshield and vandalism. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Be a penny pincher

Consumers switch companies for many reasons like delays in paying claims, poor customer service, unfair underwriting practices or an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new car insurance company can be easier than you think.

We just covered quite a bit of information on how to get a better price on 2000 Pontiac Firebird insurance. The key concept to understand is the more companies you get rates for, the better likelihood of reducing your rate. Consumers may even find the most savings is with an unexpected company.

When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice liability limits or collision coverage and learned later that the savings was not a smart move. Your aim should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

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