1995 Pontiac Firebird Insurance Quotes – 7 Tips to Save

Looking for cheaper car insurance rates for your Pontiac Firebird? No normal person rejoices having to buy car insurance, especially knowing the cost is too high. You have so many auto insurance companies to pick from, and although it’s nice to be able to choose, it can be more challenging to find the best rates for your vehicles.

Choosing the best insurance company for you is not that difficult. If you have car insurance now, you will be able to lower your premiums substantially using this strategy. Consumers just need to know the most efficient way to shop their coverage around on the web.

Discounts can really help lower rates

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts to reduce the price significantly. Certain credits will be shown at the time of purchase, but once in a while a discount must be specifically requested before you will receive the discount.

  • Senior Citizen Discount – Mature drivers are able to get reduced rates on Firebird coverage.
  • Defensive Driver Discounts – Participating in a course teaching defensive driver skills can save you 5% or more if your company offers it.
  • Government Employee Discount – Employees or retirees of the government could cut as much as 10% off on Firebird coverage depending on your company.
  • Home Ownership Discount – Just owning your own home may trigger a policy discount on car insurance due to the fact that maintaining a home requires a higher level of personal finance.
  • Anti-theft Discount – Vehicles that have factory anti-theft systems are less likely to be stolen and will qualify for a discount on a insurance coverage quote.
  • E-sign – Many larger companies may give you up to $50 for signing up on the internet.
  • Driving Data Discount – People who choose to allow companies to scrutinize driving patterns by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they show good driving skills.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. So even though you would think you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will lower your policy premium.

A few popular companies and a summarized list of policyholder discounts are included below.

  • State Farm may offer discounts for driver’s education, Steer Clear safe driver discount, good driver, passive restraint, student away at school, multiple policy, and good student.
  • Nationwide may include discounts for easy pay, accident-free, business or organization, good student, Farm Bureau membership, and multi-policy.
  • GEICO offers premium reductions for daytime running lights, anti-lock brakes, seat belt use, multi-vehicle, and anti-theft.
  • AAA offers discounts for anti-theft, education and occupation, multi-car, multi-policy, and good student.
  • 21st Century has savings for early bird, 55 and older, air bags, automatic seat belts, anti-lock brakes, and good student.
  • The Hartford offers discounts including vehicle fuel type, good student, anti-theft, air bag, defensive driver, and driver training.

Before you buy a policy, ask each company which credits you are entitled to. Depending on the company, some discounts may not apply to policies in your area. To find car insurance companies that can offer you the previously mentioned discounts, click this link.

Will just any policy work for me?

When it comes to choosing the right insurance coverage, there really is not a cookie cutter policy. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that may help highlight whether or not you might need an agent’s assistance.

  • Why do I need rental car insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I file a claim if it’s only slightly more than my deductible?
  • When can I cancel my policy?
  • Am I covered when driving a rental car?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered if I break a side mirror?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Does car insurance advertising bend the truth?

Consumers can’t get away from all the ads that claim the best auto insurance rates by Progressive, GEICO, Allstate and State Farm. All the companies seem to make the promise that drivers will save a bundle if you get a free insurance coverage quote and switch to their company.

How does every company have lower policy pricing? It’s all in how they say it.

All the different companies can use profiling for the driver they prefer to insure. One example of a desirable insured might be between the ages of 40 and 55, insures multiple vehicles, and does not commute to work. A customer getting a price quote who matches that profile will qualify for the lowest prices and will probably cut their rates if they switch.

Potential customers who do not match the requirements will be charged a higher rate which translates to the customer buying from a different company. If you listen closely, the ads state “drivers who switch” not “everybody who quotes” save that much. This is how companies can truthfully make those statements. Different companies use different criteria so you really need to do a rate comparison at every renewal. It is impossible to guess which insurance companies will give you the biggest savings.

Coverage specifics

Having a good grasp of auto insurance can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on the average auto insurance policy.

Comprehensive (Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, a tree branch falling on your vehicle, vandalism, rock chips in glass and damage from flooding. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage pays for damage to your Firebird from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a building, driving through your garage door, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for bills for hospital visits, EMT expenses, pain medications, funeral costs and X-ray expenses. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like legal defense fees, medical expenses, emergency aid, pain and suffering and court costs. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Pontiac Firebird.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

A penny saved is a penny earned

Budget-conscious 1995 Pontiac Firebird insurance can be purchased on the web in addition to local insurance agencies, so you should compare both to have the best rate selection. Some insurance providers don’t offer rates over the internet and most of the time these small insurance companies provide coverage only through independent agencies.

As you restructure your insurance plan, never reduce coverage to reduce premium. In too many instances, an insured cut liability coverage limits only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find at an affordable rate while still protecting your assets.

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