1997 Pontiac Firebird Car Insurance Rates

Do you get frustrated by the crazy number of auto insurance companies available to you? Consumers have such a large number of options that it can easily become a chore to find the lowest price.

It is always a good idea to quote other rates on a regular basis since rates fluctuate regularly. Even if you got the best deal on Firebird insurance a year ago there is a good chance you can find better prices now. Forget anything you know (or think you know) about auto insurance because you’re about to learn the tricks you need to know to get good coverage at a lower rate.

Buying the lowest cost coverage is easy if you know what you’re doing. Basically, everyone who carries auto insurance will be able to lower their premiums. Although consumers benefit from understanding how big insurance companies market on the web because it can help you find the best coverage.

Free car insurance rate quotes

To find cheap rates, there are a couple of ways to compare quotes from car insurance companies in your area. By far the easiest way to find cheaper 1997 Pontiac Firebird rates is to use the internet to compare rates. This can be done in several different ways.

  1. The easiest and least time consuming way to get quotes is an all-inclusive rate comparison click to view form in new window. This quick form saves time by eliminating separate quote forms for each company. Filling out one form will get you rate comparisons from all major companies. It’s definitely the quickest method.
  2. A harder way to get comparison quotes requires you to visit the website for each individual company and repeat the quote process again and again. For instance, we’ll assume you want to view quotes from Liberty Mutual, 21st Century and Progressive. To get each rate you have to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

However you get your quotes, do your best to enter the exact same quote data for every company. If you enter higher or lower deductibles then you won’t be able to truly determine the lowest rate. Just slight variations in coverage limits could throw off the whole comparison. Keep in mind that comparing a wide range of rates helps increase your odds of locating a lower rate. Some regional insurers cannot provide price estimates online, so it’s recommended that you also compare quotes from those companies as well.

These discounts can lower insurance rates

Car insurance is not cheap, but you may be missing some discounts that many consumers don’t even know exist. A few discounts will automatically apply when you get a quote, but lesser-known reductions have to be requested specifically in order for you to get them.

  • Discount for Swiching Early – A few insurance companies give discounts for switching companies before your current expiration date. This can save 10% or more.
  • ABS Brakes – Cars that have anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
  • Savings for New Vehicles – Insuring a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Multi-policy Discount – If you combine your home and auto policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • Smart Student Discounts – A discount for being a good student can get you a discount of up to 25%. You can use this discount normally up until you turn 25.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if offered at their school.
  • Home Ownership Discount – Being a homeowner can help you save on insurance because owning a home is proof that your finances are in order.
  • Waiver for an Accident – Not a discount per se, but some companies like GEICO, State Farm, and Progressive will allow you to have one accident before your rates go up if your claims history is clear before the accident.

Drivers should understand that many deductions do not apply to the entire policy premium. Most only cut individual premiums such as comp or med pay. Even though it may seem like it’s possible to get free car insurance, nobody gets a free ride. But any discount will definitely lower the cost of your policy.

A few companies that may offer policyholders these discounts include:

Before buying, ask every insurance company how many discounts you can get. Some discounts listed above may not be offered in your area.

When do I need an agent’s advice?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover if you might need an agent’s assistance.

  • I have a DUI can I still get coverage?
  • Is there coverage for injuries to my pets?
  • Am I insured when driving a different vehicle?
  • How can I find cheaper teen driver insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my teenager covered with friends in the car?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form.

How do car insurance companies determine Pontiac Firebird insurance premiums?

Lots of things are part of the calculation when pricing auto insurance. Some are pretty understandable like a motor vehicle report, although others are not quite as obvious like your continuous coverage or your commute time.The best way to find cheaper car insurance is to take a look at the factors that are used to determine your premiums. When consumers understand what determines premiums, this allows you to make educated decisions that can help you get lower premium levels.

Shown below are some of the factors used by your company to calculate your premiums.

  • Liability is peace of mind – Your policy’s liability coverage kicks in in the event that you are ruled to be at fault for an accident. Liability provides legal defense coverage which can cost thousands of dollars. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should carry high limits.
  • Rates increase with driving citations – Getting just one driving citation may increase your cost by as much as thirty percent. Drivers with clean records have lower premiums as compared to those with violations. Drivers who have gotten serious violations such as DUI or willful reckless driving may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
  • Lower rates come with age – Beginning drivers are statistically proven to be careless and easily distracted with other occupants in the car so they pay higher car insurance rates. Having to add a young driver to your policy can be quite pricey. Older people are more responsible, file fewer claims , and usually have better credit.
  • Choose high safety ratings and save – Vehicles with high crash test scores cost less to insure. These vehicles reduce occupant injuries and lower injury rates means your insurance company pays less passed on to you as lower rates. If your Pontiac Firebird has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
  • More people means more accidents – Residing in a rural area is a positive aspect when buying car insurance. Drivers who live in large cities regularly have congested traffic and longer commutes to work. Fewer drivers on the road means reduced accidents.
  • Deter vehicle theft – Purchasing a vehicle that has a built-in theft deterrent system can save you some money. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.

Educate yourself about insurance coverages

Knowing the specifics of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Liability coverages – Liability insurance will cover damages or injuries you inflict on other’s property or people. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for claims like pain and suffering, bail bonds, loss of income and emergency aid. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

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

Collision coverage pays for things such as sideswiping another vehicle, crashing into a ditch and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as hospital visits, pain medications, dental work 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 all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually these limits are similar to your liability insurance amounts.

Comprehensive coverage – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, hitting a bird, hitting a deer and vandalism. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Shop smart and save

Some insurance companies may not offer internet price quotes and usually these small, regional companies only sell coverage through independent insurance agencies. Budget-friendly insurance coverage is possible on the web and from local insurance agents, so you should compare both in order to have the best chance of saving money.

In this article, we covered many ideas to lower your 1997 Pontiac Firebird insurance prices. The key concept to understand is the more quotes you get, the higher the chance of saving money. Consumers may even find the lowest prices come from an unexpected company.

As you shop your coverage around, make sure you don’t buy less coverage just to save a little money. Too many times, an accident victim reduced collision coverage only to find out they didn’t have enough coverage. The goal is to purchase a proper amount of coverage at the best possible price.

Much more information about insurance coverage can be read at the links below