Compare 1998 Pontiac Firebird Insurance Rates

Searching for lower auto insurance rates for your Pontiac Firebird? Do you get overwhelmed by the crazy number of auto insurance providers? You have such a vast assortment of providers available that it can easily turn into a difficult situation to find a cheaper company.

It’s a good idea to compare prices before your next renewal because insurance rates are constantly changing. Even if you think you had the best deal on Firebird insurance two years ago you may be paying too much now. Block out anything you think you know about auto insurance because we’re going to show you the only way to properly buy coverages and cut your premium.

Compare auto insurance quotes

When shopping for auto insurance there are multiple ways to get quotes from local auto insurance companies. The simplest method to find affordable Pontiac Firebird insurance rates is to get quotes online. This is quite simple and can be completed using a couple different methods.

  • Hands down the most simple method to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This quick form eliminates the need for separate quote forms to each individual auto insurance company. One form gets coverage cost estimates from auto insurance companies with the best prices. This is perfect if you don’t have a lot of time.
  • A less efficient way to find better pricing is to manually visit the website of each company and repeat the quote process again and again. For examples sake, we’ll pretend you want to get rates from Progressive, Safeco and Liberty Mutual. In order to compare rates, you need to go to each individual site and type in your information over and over, which can be really labor intensive.

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

It’s up to you which method you use, but ensure you’re using the same information on every quote. If your comparisons have different liability limits it will be next to impossible to make a fair comparison for your Pontiac Firebird. Just a small difference in coverages could throw off the whole comparison. Just remember that comparing a large number of companies gives you a better chance of getting better pricing. Not every company provides online price quotes, so it’s recommended that you also compare price quotes from them as well.

Ads can be misleading

Big name companies like State Farm and Allstate seem to constantly run ads in print and on television. All the companies seem to make the promise that you can save if you get a free insurance quote and switch your auto insurance policy to them. That’s great but how can every company save you money? You have to listen carefully.

Insurance providers have strict underwriting profiles for the type of driver that will generate a profit. For instance, a desirable insured should be married and over the age of 30, has never had a policy lapse, and drives a vehicle with a low ISO rating. A propective insured that matches those criteria receives the best car insurance rates as well as save if they switch.

Consumers who may not quite match these stringent criteria will get a higher premium and this results in the prospect going elsewhere. The trick is to say “drivers that switch” not “everybody who quotes” save that much when switching. That is how insurance companies can confidently make claims that they all have the best premium rates. This illustrates why drivers must get insurance quotes from several different companies. Because you never know with any certainty which company will be your best fit.

Drivers save money with these discounts

Some insurance providers don’t always publicize every discount very well, so below is a list both the well known and also the lesser-known credits available to you.

  • Employee of Federal Government – Federal government employees can earn a discount up to 10% on Firebird insurance with select insurance companies.
  • Theft Deterent Discount – Cars equipped with anti-theft or alarm systems can help prevent theft and can earn a small discount on your policy.
  • Passive Restraints and Air Bags – Vehicles with factory air bags may get savings of 20 to 30 percent.
  • Accident Forgiveness – This one isn’t a discount, but certain companies will turn a blind eye to one accident without raising rates with the catch being you have to be claim-free before the accident.
  • Claim-Free Discount – Insureds who avoid accidents and claims have much lower rates when compared with policyholders that have many claims.
  • Discount for Multiple Policies – When you combine your homeowners and auto insurance with one insurance company they may give you a discount of nearly 15% which can help you find cheap insurance.
  • Early Switch Discount – A few insurance companies allow discounts for switching to them prior to your current policy expiration. You could save around 10% when you buy insurance online.
  • Save with More Vehicles Insured – Insuring all your vehicles on the same insurance policy qualifies for this discount.
  • Life Insurance Discount – Larger insurance carriers have a discount if you purchase some life insurance in addition to your auto policy.

Drivers should understand that many deductions do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, that’s just not realistic.

To see a list of insurers that offer discounts, click this link.

Special considerations

When it comes to choosing the right insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that may help you determine whether or not you will benefit from professional help.

  • Am I covered if I hit a deer?
  • Do I have coverage when making deliveries for my home business?
  • Do I need motorclub coverage?
  • Is my nanny covered when driving my vehicle?
  • Does liability extend to a camper or trailer?
  • Do I have any recourse if my insurance company denies a claim?
  • What companies insure drivers after a DUI or DWI?
  • Does having multiple vehicles earn me a discount?
  • What should my uninsured motorist coverage limits be in my state?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, complete this form.

Auto insurance coverages

Learning about specific coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, hitting a deer, a tree branch falling on your vehicle and rock chips in glass. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like hospital visits, pain medications, X-ray expenses and doctor visits. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

UM/UIM Coverage – This protects you and your vehicle 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 damage to your Pontiac Firebird.

Since a lot of drivers 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 is very important.

Liability auto insurance – This coverage can cover injuries or damage you cause to other people or property that is your fault. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like medical services, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision coverages – This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like sideswiping another vehicle, rolling your car, driving through your garage door, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Be a penny pincher

Cheap 1998 Pontiac Firebird insurance is available from both online companies in addition to local insurance agencies, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who do not offer online price quotes and usually these smaller providers work with independent agencies.

You just read a lot of ways to get a better price on 1998 Pontiac Firebird insurance. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your prices. Consumers could even find that the best premium rates are with a smaller regional carrier.

As you go through the steps to switch your coverage, make sure you don’t buy poor coverage just to save money. In many cases, an insured cut uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. Your objective should be to buy the best coverage you can find for the lowest price, but do not skimp to save money.

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