Cheaper 1993 Pontiac Firebird Insurance Quotes

Wish you could get out of an overpriced insurance coverage policy? You’re in good company because many consumers are feeling buyer’s remorse and feel like there’s no way out.

You have multiple auto insurance companies to purchase coverage from, and though it is a good thing to have a choice, so many choices can make it hard to find the best rates.

Lower rate quotes by taking advantage of discounts

The price of auto insurance can be rather high, but you might already qualify for some discounts that you may not know about. Many of these discounts will be applied automatically when you get a quote, but a few must be specifically requested prior to receiving the credit.

  • Federal Employees – Simply working for the federal government could cut as much as 10% off on Firebird insurance with certain companies.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can get savings as much as 30%.
  • Defensive Driver Discounts – Passing a course that instructs on driving safety could cut 5% off your bill and easily recoup the cost of the course.
  • Renewal Discounts – Some companies reward drivers for buying a new policy before your current coverage expires. It can save you around 10%.
  • Multiple Vehicles – Buying a policy with multiple vehicles with the same company may reduce the rate for each vehicle.
  • No Claims – Good drivers with no accidents get the best auto insurance rates as opposed to bad drivers.

As a footnote on discounts, most of the big mark downs will not be given the the whole policy. Most only cut the cost of specific coverages such as liability and collision coverage. Just because it seems like you can get free auto insurance, it’s just not the way it works.

Some of the larger companies that have these benefits are:

Check with every insurance company how you can save money. Some of the earlier mentioned discounts may not apply to policies in your area. If you would like to choose from a list of companies that offer some of these discounts, click here.

Four things that impact your insurance prices

One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the factors that help calculate your premiums. When consumers understand what impacts premium levels, this allows you to make good choices that could help you find much lower annual insurance costs. Many factors are used in the calculation when you get your auto insurance bill. A few of the factors are predictable such as traffic violations, but other factors are more obscure such as whether you are married or your vehicle rating.

Shown below are some of the major factors used by companies to determine your rate level.

  • City dwellers may pay more – Living in smaller towns and rural areas of the country is a positive aspect if you are looking for the lowest rates. Fewer drivers and short commutes means fewer accidents as well as less vandalism and auto theft. Residents of big cities regularly have more road rage incidents and longer commutes to work. Longer commute distances means higher likelihood of an accident.
  • Age of drivers – Inexperience drivers have been known to be careless and easily distracted with other occupants in the car therefore insurance coverage rates are much higher. Adding a first-time driver onto a policy will cause a huge premium hike. Older insureds tend to be more responsible, cause fewer claims and accidents and are safer drivers.
  • Gender matters – Over time, data shows that men are more aggressive behind the wheel. That doesn’t necessarily mean that males are worse at driving than females. Both genders get in auto accidents at a similar rate, but guys tend to have higher claims. Men also tend to get ticketed for serious violations like DWI (DUI) or reckless driving. Teenage male drivers cause the most accidents and thus pay the highest rates.
  • Improve your credit history – Having a bad credit history is a big factor in calculating your insurance coverage rates. Insureds with high credit scores tend to file fewer claims and have better driving records than drivers who have worse credit. If your credit rating can be improved, you may save money insuring your 1993 Pontiac Firebird if you clean up your credit.

How much auto insurance do I need?

When buying the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different so this has to be addressed. For example, these questions can aid in determining whether or not you could use an agent’s help.

  • Does my car insurance cover rental cars?
  • Where can I find high-risk insurance?
  • Do I need rental car coverage?
  • Am I covered when using my vehicle for business?
  • If my 1993 Pontiac Firebird is totaled, can I afford another vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance coverages for a 1993 Pontiac Firebird

Understanding the coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages found on most insurance policies.

Liability auto insurance

This coverage provides protection from injuries or damage you cause to a person or their property in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as structural damage, medical expenses, pain and suffering, bail bonds and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

Collision coverage will pay to fix damage to your Firebird from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like driving through your garage door, backing into a parked car, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1993 Pontiac Firebird.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive auto coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, damage from getting keyed, hail damage, damage from flooding and rock chips in glass. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for bills for doctor visits, nursing services and hospital visits. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Don’t throw your cash in the trash

Cost effective 1993 Pontiac Firebird insurance is possible on the web and also from your neighborhood agents, so you need to quote insurance coverage with both to get a complete price analysis. Some companies do not offer online rate quotes and most of the time these small, regional companies only sell through independent agencies.

When buying insurance coverage, do not reduce needed coverages to save money. There are many occasions where an insured dropped physical damage coverage and discovered at claim time that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible for the lowest price and still be able to protect your assets.

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