Cheapest 1992 Pontiac Firebird Insurance Rates in 2023
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UPDATED: Feb 26, 2020
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Paying for high-priced Pontiac Firebird insurance can drain your personal savings and force you to make sacrifices. Comparing price quotes is free and is an excellent way to slash your bill and have more diposable income. Big-name insurance companies like Allstate, Progressive and GEICO continually bombard you with advertising and it can be hard to sift through the bull and take the time to shop coverage around.
If you have a policy now or are shopping for new coverage, you can learn to reduce the price you pay and still get good coverage. Finding affordable coverage is quite easy. Consumers only need to know the most effective way to shop for car insurance online.
Discounts mean cheaper Pontiac Firebird insurance rates
Companies do not list all their discounts in an easy-to-find place, so here is a list both well-publicized as well as the least known car insurance savings. If they aren’t giving you every credit available, you’re just leaving money on the table.
- New Car Discount – Adding a new car to your policy is cheaper since new cars are generally safer.
- Defensive Driver – Completing a defensive driving course could save 5% or more if your company offers it.
- College Student – Kids in college who are attending college and don’t have a car can be insured at a reduced rate.
- No Accidents – Good drivers with no accidents pay less as compared to accident-prone drivers.
- Auto/Life Discount – Select insurance companies reward you with a break if you buy life insurance from them.
- Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
- Accident Waiver – A handful of insurance companies will allow you to have one accident before raising your premiums if you are claim-free for a certain period of time.
- Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
- Sign Online – Some insurance companies give back up to $50 simply for signing over the internet.
Keep in mind that some of the credits will not apply the whole policy. A few only apply to specific coverage prices like comp or med pay. So even though it sounds like adding up those discounts means a free policy, you won’t be that lucky.
For a list of providers offering car insurance discounts, click here to view.
How to Buy Insurance Online
There are a lot of ways to compare insurance prices but there is one way that is less time-consuming than others. You can waste a lot of time discussing policy coverages with agents in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.
Most of the best insurance companies participate in an industry program where prospective buyers enter their policy data once, and each participating company provides a quote based on that information. This saves time by eliminating repetitive form submissions to each individual insurance company.
To compare pricing click here (opens in new window).
The one disadvantage to doing it this way is you don’t know exactly the companies you will receive quotes from. So if you prefer to choose from a list of companies to receive pricing from, we have assembled a list of insurance companies in your area. Click here to view list.
It doesn’t matter which method you choose, just compare exactly the same coverage limits on every quote you get. If the quotes have different limits and deductibles on each one it’s impossible to determine the lowest rate for your Pontiac Firebird.
Pontiac Firebird rates are in the details
Consumers need to have an understanding of the factors that play a part in calculating the price you pay for car insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that will entitle you to better car insurance rates.
Shown below are some of the factors used by your company to calculate prices.
- Little extras can really add up – There are many extra bells and whistles that you can get tricked into buying if you aren’t careful. Coverages for vanishing deductibles, accidental death and additional equipment coverage are examples of these. They may seem like a good idea at first, but now you might not need them so eliminate them to save money.
- Never allow your policy to lapse – Having an insurance coverage lapse will be a quick way to increase your car insurance rates. And not only will your rates increase, getting caught without coverage will get you a license revocation or jail time.Then you may be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
- Having a spouse can save you money – Being married can get you a discount on car insurance. Having a significant other means you’re more mature it has been statistically shown that married couples file fewer claims.
- Theft deterrents lower rates – Choosing a vehicle with an alarm system can help lower your rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
- Traffic violations increase rates – Even a single ticket can bump up the cost by as much as thirty percent. Drivers who don’t get tickets get better rates than people who have multiple driving citations. Drivers who get severe violations such as DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
Tailor your coverage to you
When it comes to choosing proper insurance coverage, there is no cookie cutter policy. Every insured’s situation is different so this has to be addressed. For instance, these questions may help highlight if your situation might need an agent’s assistance.
- If I drive on a suspended license am I covered?
- Does insurance cover damages from a DUI accident?
- What happens if I owe more than my 1992 Pontiac Firebird is worth?
- Why am I required to get a high-risk car insurance policy?
- Does coverage extend to Mexico or Canada?
- Is my 1992 Pontiac Firebird covered for flood damage?
- Is borrowed equipment or tools covered if stolen or damaged?
- What is UM/UIM insurance?
If you’re not sure about those questions but you think they might apply to your situation, 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. It’s fast, free and can help protect your family.
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The fine print in auto insurance ads
Consumers get pounded daily by advertisements for the lowest price auto insurance from companies such as 21st Century, Allstate and State Farm. All the ads make the same claim that you can save if you move your policy.
How do they all claim to save you money?
Insurance companies have a preferred profile for the right customer that is profitable for them. For example, a desirable insured could possibly be a mature driver, owns a home, and has excellent credit. Any new insured who meets those qualifications will qualify for the lowest rates and as a result will probably save when they switch companies.
Potential insureds who fall outside this ideal profile will be quoted more money and this can result in the driver buying from a lower-cost company. The ads state “customers who switch” not “everyone that quotes” save that much money. That’s why companies can truthfully advertise the savings. This emphasizes why you absolutely need to get as many quotes as possible. You cannot predict which auto insurance company will have the lowest Pontiac Firebird insurance rates.
Insurance policy coverages for a Pontiac Firebird
Learning about specific coverages of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Shown next are the usual coverages found on the average insurance policy.
Uninsured Motorist or Underinsured Motorist insurance
This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Pontiac Firebird.
Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.
Comprehensive coverage (or Other than Collision)
This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like rock chips in glass, theft and damage from getting keyed. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
This covers damage to your Firebird resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like hitting a parking meter, driving through your garage door, rolling your car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.
This will cover injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage protects against claims such as bail bonds, loss of income, emergency aid and court costs. How much coverage you buy is your choice, but you should buy higher limits if possible.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as nursing services, surgery, X-ray expenses, prosthetic devices and dental work. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible
Coverage on a shoestring budget
Low-cost 1992 Pontiac Firebird insurance is possible both online and with local insurance agents, and you need to comparison shop both to have the best selection. Some insurance providers do not offer online price quotes and many times these small, regional companies only sell through independent insurance agents.
As you restructure your insurance plan, make sure you don’t buy less coverage just to save a little money. There have been many cases where drivers have reduced full coverage only to discover later that it was a big error on their part. Your aim should be to buy enough coverage at the best price while still protecting your assets.
Much more information about car insurance is available at the links below
- Teen Driver Statistics (Insurance Information Insitute)
- What Does No-Fault Insurance Cover? (Allstate)
- Auto Insurance Facts and Statistics (Insurance Information Insitute)
- Tools for Teen Driving Safety (State Farm)
- Car Insurance: When not to Skimp (BankRate.com)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
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