View 2001 Pontiac Firebird Car Insurance Rates

Looking for lower auto insurance rates for your Pontiac Firebird? Are you overwhelmed by the dozens of auto insurance companies? Lot’s of other consumers are too. Drivers have so many companies to choose from that it can be a ton of work to find better rates.

Don’t pay full price with these discounts

Companies that sell car insurance don’t always advertise every available discount very well, so we researched some of the best known and the harder-to-find discounts you could be receiving.

  • Save over 55 – If you qualify as a senior citizen, you may qualify for a small decrease in premiums for Firebird insurance.
  • Homeowners Discount – Owning a home can save you money because owning a home is proof that your finances are in order.
  • Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • E-sign – Certain companies will give a small break for buying a policy and signing up online.
  • Passive Restraints and Air Bags – Vehicles with factory air bags can receive discounts of more than 20%.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them before your current expiration date. It’s a savings of about 10%.
  • No Accidents – Good drivers with no accidents pay less as compared to frequent claim filers.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% for Firebird insurance with select insurance companies.

It’s important to note that some of the credits will not apply to the entire cost. Some only reduce individual premiums such as comprehensive or collision. So when the math indicates all the discounts add up to a free policy, you’re out of luck.

A partial list of companies who might offer these discounts include:

Before buying, ask each company how you can save money. Some discounts may not apply everywhere.

How to Get Cheap Insurance

There are a lot of ways you can shop for insurance but there is one way that is less labor-intensive and much quicker. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you could use online quotes to get prices fast.

Most major companies take part in a program where insurance shoppers submit one quote, and each participating company provides a quote based on that data. This saves time by eliminating quotation requests for each company. To get comparison pricing now click here to start a free quote.

The only drawback to using this type of form is that you can’t choose the providers you want pricing from. So if you want to select from a list of companies for rate comparison, we have assembled a list of companies who write insurance in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just double check that you are using identical coverage information for each comparison quote. If each company quotes different liability limits then you won’t be able to find the best deal for your Pontiac Firebird. Quoting even small variations in limits may result in large price differences. Keep in mind that more quotes will increase your chances of finding better pricing.

Why you might be paying too much to insure your Pontiac Firebird

It’s important that you understand the different types of things that go into determining the rates you pay for auto insurance. Knowing what influences your rates enables informed choices that will entitle you to much lower annual insurance costs.

Listed below are a few of the “ingredients” auto insurance companies consider when setting prices.

  • How many coverages with the same company – Most insurers will award you with lower prices to people who consolidate policies with them such as combining an auto and homeowners policy. Discounts can amount to five, ten or even twenty percent. Even though this discount sounds good, you still need to compare other company rates to ensure the best deal. You may still be able to find a better deal by buying insurance from more than one company.
  • Your stress level may be raising your rates – Jobs such as judges, architects and financial analysts tend to have higher average rates due to high stress and long work days. Conversely, occupations such as scientists, engineers and the unemployed receive lower rates for Firebird insurance.
  • Careful drivers pay lower rates – A bad driving record has a big impact on rates. Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Even one ticket can bump up the cost forty percent or more. If you have severe violations such as DUI or reckless driving may find they need to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • Pay less after the wedding – Having a spouse actually saves money on your policy. Marriage is viewed as being more mature it has been statistically shown that married couples file fewer claims.
  • Never allow your policy to lapse – Not having insurance is illegal and your next policy will cost more because you let your insurance lapse. Not only will rates go up, but being ticketed for driving with no insurance might get you a steep fine or even jail time.You may need to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Clean credit earns discounts – Having a bad credit rating is a big factor in calculating your auto insurance rates. Consumers who have good credit tend to be less risk to insure than drivers with poor credit. Therefore, if your credit score can use some improvement, you could pay less to insure your 2001 Pontiac Firebird by repairing your credit.
  • Drive less and save money – The more you drive every year the more you will pay for auto insurance. Most insurance companies rate vehicles based upon how you use the vehicle. Cars and trucks left parked in the garage can get a lower rate than vehicles that are driven to work every day. An improperly rated Firebird can result in significantly higher rates. Make sure your auto insurance policy properly reflects the correct driver usage, because it can save money.

Your personal situation dictates your coverage

When it comes to choosing proper insurance coverage, there is no cookie cutter policy. Everyone’s situation is unique.

For instance, these questions may help you determine if you may require specific advice.

  • What is the minimum liability in my state?
  • If my pet gets injured in an accident are they covered?
  • Can I rate high risk drivers on liability-only vehicles?
  • Who is covered when they drive my 2001 Pontiac Firebird?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I have coverage when using my vehicle for my home business?

If you can’t answer these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

What car insurance coverages do you need?

Understanding the coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical payments – Med pay and PIP coverage reimburse you for expenses for things like hospital visits, rehabilitation expenses and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like backing into a parked car, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability – This coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as repair bills for other people’s vehicles, funeral expenses, emergency aid and medical expenses. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Uninsured and underinsured coverage – Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Pontiac Firebird.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverages – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, hitting a deer, hail damage, vandalism and hitting a bird. The highest amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Saving money makes a lot of cents

When you buy insurance online, don’t be tempted to reduce needed coverages to save money. In many instances, someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. The ultimate goal is to find the BEST coverage at a price you can afford.

Cheaper 2001 Pontiac Firebird insurance can be bought both online and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. Some companies may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

We just presented many tips how you can save on insurance. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even discover the biggest savings come from some of the smallest insurance companies.

Even more information can be read by following these links: