Compare 1990 Pontiac Firebird Car Insurance Quotes

Searching for the cheapest insurance coverage rates for your Pontiac Firebird? Are you tired of robbing Peter to pay Paul to make your insurance coverage payment? You are no different than many other consumers.

Many insurers compete for your business, and because of this it can be hard to compare insurance companies and uncover the absolute best rates possible.

Get cheaper auto insurance quotes with discounts

Auto insurance companies do not advertise all possible discounts very clearly, so we researched both well-publicized in addition to some of the lesser obvious ways to save on auto insurance.

  • Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle up before driving could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Paperwork-free – Certain companies provide a small discount for buying your policy online.
  • Defensive Driver Discounts – Taking a course in defensive driving could save 5% or more and easily pay for the cost of the class.
  • Accident Forgiveness – Not necessarily a discount, but a few companies such as Allstate, Progressive, and GEICO will forgive one accident without the usual rate increase if you are claim-free for a particular time prior to the accident.
  • Active Military Service – Being deployed with a military unit can result in better prices.
  • ABS Braking Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Government Employee Discount – Federal government employees may qualify for a discount when you quote car insurance for Firebird coverage with certain companies.
  • Senior Discount – If you’re over the age of 55, you are able to get better auto insurance rates for Firebird coverage.

Just know that most discounts do not apply the the whole policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

The best auto insurance companies and some of the discounts are outlined below.

  • GEICO may offer discounts for daytime running lights, emergency military deployment, air bags, multi-policy, and five-year accident-free.
  • USAA has discounts for driver training, defensive driver, military installation, vehicle storage, and safe driver.
  • Progressive offers discounts including online quote discount, good student, continuous coverage, multi-vehicle, and homeowner.
  • American Family offers discounts for good student, TimeAway discount, Steer into Savings, air bags, early bird, and good driver.
  • Esurance offers premium reductions for multi-policy, Pac-12 alumni, good student, anti-theft, and emergency road assistance.
  • Farmers Insurance policyholders can earn discounts including pay in full, good student, distant student, multi-car, mature driver, business and professional, and youthful driver.
  • State Farm discounts include good student, student away at school, passive restraint, accident-free, Steer Clear safe driver discount, defensive driving training, and driver’s education.

If you need lower rates, check with all the companies to give you their best rates. Savings might not be offered on policies in every state. If you would like to see a list of insurers that offer discounts, follow this link.

Shop insurance online

To get the cheapest car insurance quotes, there a variety of ways of comparing rates from different companies. The best method to find the lowest 1990 Pontiac Firebird rates consists of shopping online. This can be accomplished by using one of the methods below.

  • The easiest and least time consuming way to find low rates is to use a rate comparison form like this one (opens in new window). This form prevents you from having to do a different quote for each price estimate. One form submission compares rates from multiple companies.
  • A different way to analyze rates is to manually visit the website for every company you want to comare and complete a new quote form. For example, let’s assume you want to compare prices for Auto-Owners, Allstate and Liberty Mutual. To get each rate you have to take the time to go to each site and repeatedly enter your information, which is why the first method is more popular.

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

The method you choose is up to you, but make sure you compare nearly identical quote information with each company. If you use different liability limits then you won’t be able to determine which rate is truly the best. Just a small difference in coverage limits may cause a big price difference. And when price shopping your coverage, making a lot of price comparisons will increase your chances of finding a better price. Some smaller insurers to not give quotes online, so it’s recommended that you also compare prices on coverage from those companies, too.

How to lower your insurance premiums

Multiple criteria are part of the calculation when you get a price on insurance. Some factors are common sense like an MVR report, although others are less obvious like your continuous coverage or your vehicle rating.It’s important that you understand the different types of things that go into determining your premiums. If you have a feel for what determines base rates, this enables you to make decisions that may result in cheaper rates.

The list below includes some of the most rate-impacting factors used by companies to determine rates.

  • Prices impacted by vehicle usage – The higher the miles on your Pontiac in a year the more you’ll pay to insure your vehicle. Almost all companies charge rates partially by how you use the vehicle. Vehicles that have low annual miles can get a lower rate compared to those used for work or business. It’s always a good idea to double check that your car insurance policy is rated on annual mileage, because it can save money. Improper usage on your Firebird is throwing money out the window.
  • Bundle policies and save – Many companies apply discounts for people who buy several policies from them such as combining an auto and homeowners policy. Even though this discount sounds good, you may still want to shop around to ensure the best deal.There is a chance you can find a better deal by buying from different companies
  • Your spouse saves you money – Being married can actually save you money on your car insurance bill. Marriage generally demonstrates drivers are more mature and it’s proven that married drivers tend to have fewer serious accidents.
  • Women tend to cost less – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. However, don’t assume that males are worse at driving than females. Females and males are in at-fault accidents in similar percentages, but guys tend to have higher claims. Not only that, but men also get cited for more serious violations like driving under the influence (DUI).

Tailor your insurance coverage coverage to you

When buying adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions may help you determine if your insurance needs could use an agent’s help.

  • What is PIP insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does liability extend to a camper or trailer?
  • Why does it cost so much to insure a teen driver?
  • Am I covered if I hit my neighbor’s mailbox?
  • What is the difference between comprehensive and collision coverage?
  • Is my custom paint covered by insurance?
  • Does my 1990 Pontiac Firebird qualify for pleasure use?
  • Will filing a claim cost me more?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Auto insurance ads are enticing

Big name companies like State Farm and Allstate constantly bombard you with television and radio advertisements. They all convey the message that drivers will save a bundle just by moving to their company. It sounds good, but how can they all charge less that you’re paying now? Here is how they do it.

Different companies give the cheapest rates for the type of driver that will most likely be profitable. A good example of this type of driver may need to be a mature driver, has few claims, and has great credit. A customer who fits that profile receives the best premium rates and will probably save when switching.

Potential insureds who don’t measure up to these standards will see a more expensive rate which usually ends up with the driver buying from a lower-cost company. The trick is to say “drivers who switch” not “everyone that quotes” save that much money. That’s the way insurance companies can confidently state the savings. Each company has different criteria, so you need to compare rate quotes every year. Because you never know which company will have the best prices at this point in time.

Insurance specifics

Knowing the specifics of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types available from insurance companies.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like dental work, chiropractic care and pain medications. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage

Collision coverage will pay to fix damage to your Firebird resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like sustaining damage from a pot hole, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability

Liability insurance provides protection from damage or injury you incur to other’s property or people that is your fault. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things such as emergency aid, court costs, loss of income and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive (Other than Collision)

This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from getting keyed, theft and a broken windshield. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Feed the piggy bank

More affordable auto insurance can be sourced on the web and from local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some companies do not offer price quotes online and most of the time these small insurance companies provide coverage only through independent insurance agents.

We covered a lot of tips how to save on 1990 Pontiac Firebird insurance. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premium rates are with an unexpected company. They may only write in your state and offer lower prices as compared to the big name companies such as Allstate, GEICO and Progressive.

Additional detailed information is located by following these links: