Lower Your 1992 Pontiac Firebird Car Insurance Quotes

Looking for better insurance coverage rates for your Pontiac Firebird? Having to pay for overpriced Pontiac Firebird insurance can dry up your savings account and make it impossible to make ends meet. Insurance companies such as State Farm, Allstate, GEICO and Progressive all claim big savings, bombarding you with ad campaigns and it can be hard to see past the corporate glitz and effectively compare rates to find the best deal.

Why your insurance premiums might be higher

Many things are part of the equation when pricing auto insurance. Some are pretty understandable such as traffic violations, but some are not as apparent like your vehicle usage or how safe your car is.It’s important that you understand the rating factors that help calculate your policy premiums. When you understand what impacts premium levels, this enables informed choices that can earn you cheaper rates.

  • Only buy coverage you need – Policies have additional extra coverages that can waste your money if you aren’t careful. Coverages for rental car coverage, accident forgiveness, and extra life insurance coverage are probably not needed. They may seem like a good idea at first, but now you might not need them so consider taking them off your policy.
  • Raise physical damage deductibles and save – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Some examples of covered claims are a windshield shattered by a rock, damage caused by hail, and damage from a fallen tree branch. The deductibles are the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The more money you pay before a claim is paid (deductible), the less money you will pay for insurance coverage for Firebird coverage.
  • Being married can lower rates – Your spouse can get you a discount on insurance coverage. It demonstrates that you tend to be more responsible it has been statistically shown that married couples file fewer claims.
  • Where you call home plays a part – Having an address in a small town can save you money if you are looking for the lowest rates. Residents of big cities have to deal with more auto accidents and more severe claims. Fewer people corresponds to lower accident rates in addition to fewer liability claims.

How to lower your insurance cost

There are a variety of methods to compare insurance quotes, but there is one way that is less time-consuming than others. You can spend countless hours talking to agents in your area, or you could save time and use online quotes to get prices fast.

All the larger companies belong to a marketplace that enables customers to send in one quote, and at least one company then gives them pricing based on that data. This eliminates the need for quote requests for each company you want a rate for.

To access this free quoting program, click here to open in new window.

One minor caviat to doing it this way is you don’t know exactly which providers to get quotes from. If you would rather choose specific providers to compare, we have a listing of the cheapest insurance companies in your area. Click to view list.

Whichever method you choose, make sure you use apples-to-apples coverage limits and deductibles for each comparison quote. If your comparisons have higher or lower deductibles you will not be able to decipher which rate is best.

Save money with discounts

Some providers don’t always advertise all available discounts in an easy-to-find place, so below is a list a few of the more common and the harder-to-find credits available to bring down your rates.

  • Passive Restraints – Options like air bags or automatic seat belts may get savings of 20 to 30 percent.
  • Buy New and Save – Insuring a new car can cost up to 25% less because newer models keep occupants safer.
  • Discount for Multiple Policies – When you combine your home and auto insurance and insure them both with the same insurance company you may earn up to 20% and get you inexpensive insurance coverage.
  • Good Students Pay Less – Being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Safety Restraint Discount – Drivers who require all occupants to use a seat belt could save 15% off the PIP or medical payment premium.
  • Multi-car Discount – Buying insurance for multiple cars with the same company can get a discount on all vehicles.
  • College Student – College-age children who are attending college and do not take a car to college could qualify for this discount.

A little note about advertised discounts, most discount credits are not given to the entire cost. Some only apply to the cost of specific coverages such as comp or med pay. Just because it seems like all those discounts means the company will pay you, you aren’t that lucky.

Some of the larger companies who may offer these money-saving discounts include:

If you are trying to find low cost insurance coverage quotes, ask each company which credits you are entitled to. Discounts may not be offered in your area. If you would like to choose from a list of insurers that offer the discounts shown above, click here.

What is the best car insurance coverage?

When it comes to buying coverage for your vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions could help you determine if your situation might need an agent’s assistance.

  • Is my state a no-fault state?
  • What if I owe more than I can insure my car for?
  • If I drive on a suspended license am I covered?
  • How can I find cheaper teen driver insurance?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered by my spouse’s policy after a separation?
  • What is the minimum liability in my state?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Coverages available on your policy

Understanding the coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your 1992 Pontiac Firebird.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Liability coverages

Liability coverage protects you from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as medical expenses, medical services and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix 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 insurance covers things like a tree branch falling on your vehicle, rock chips in glass, hail damage and theft. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like sideswiping another vehicle, sustaining damage from a pot hole, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills such as ambulance fees, doctor visits, nursing services and surgery. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Cheaper insurance is a realistic goal

When searching for the cheapest insurance coverage quotes, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, drivers have reduced comprehensive coverage or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy the best coverage you can find at the best cost, but don’t skip important coverages to save money.

In this article, we covered many ideas to lower your 1992 Pontiac Firebird insurance auto insurance rates. It’s most important to understand that the more companies you get premium rates for, the better your chances of lowering your premium rates. Consumers may even find the best price on car insurance is with a lesser-known regional company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as GEICO and State Farm.

To learn more, feel free to browse the articles below: