Save on 1994 Pontiac Firebird Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 23, 2022

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Searching for better insurance rates? Consumers have many options when looking for the lowest priced Pontiac Firebird insurance. You can either waste hours calling around getting price quotes or utilize the internet to make rate comparisons.

There is a right way and a wrong way to compare insurance rates so you’re going to learn the proper way to get price quotes for a new or used Pontiac and obtain the cheapest rates.

It is always a good idea to shop coverage around before your policy renews because insurance rates are usually higher with each renewal. Just because you found the lowest rates for Firebird insurance two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to how to quote online to properly buy coverages while reducing your premium.

The best way to compare rates is to know the fact most insurance companies participate in a system to provide you with a free rate quote. The only thing you need to do is provide a little information such as driver details, your job, if the car is leased, and if you are currently licensed. Your insurance information is instantly provided to all major companies and they return cost estimate with very little delay.

Are you getting all your discounts?

Insuring your fleet can be pricey, but companies offer discounts to help offset the cost. Some trigger automatically when you get a quote, but less common discounts must be requested specifically prior to receiving the credit. If you’re not getting every credit available, you’re paying more than you need to.

  • Senior Citizens – If you qualify as a senior citizen, you may be able to get reduced rates for Firebird insurance.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Bundle and Save – When you have multiple policies with the same insurance company you may save up to 20% off your total premium.
  • Drive Less and Save – Fewer annual miles on your Pontiac can earn better rates on cars that stay parked.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Firebird insurance than their less cautious counterparts.

Drivers should understand that some credits don’t apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like medical payments or collision. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will reduce your premiums.

A partial list of companies that may have these money-saving discounts may include but are not limited to:

Before buying, ask each company which discounts they offer. Savings might not apply in your area.

When might I need an agent?

When buying the right insurance coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine whether your personal situation might need professional guidance.

  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered when using my vehicle for business?
  • How high should my medical payments coverage be?
  • What companies insure drivers after a DUI or DWI?
  • Where can I find DUI or SR-22 insurance?
  • Am I covered when pulling a rental trailer?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

These factors can influence Pontiac Firebird insurance rates

Consumers need to have an understanding of the factors that help determine the rates you pay for insurance coverage. Knowing what determines base rates empowers consumers to make smart changes that will entitle you to big savings.

The following are some of the factors used by your company to calculate prices.

  • Extra coverages can waste money – There are a ton of extra coverages you can purchase when buying insurance coverage. Coverages for personal injury protection, better glass coverage and motor club memberships may be costing you every month. They may seem good when you first buy your policy, but if you don’t need them eliminate them to save money.
  • High credit ratings translate to low rates – A driver’s credit score is a big factor in your rate calculation. People with high credit scores tend to be more responsible than drivers with poor credit. Therefore, if your credit rating is low, you could potentially save money when insuring your 1994 Pontiac Firebird by spending a little time repairing your credit.
  • Cautious drivers pay less – Only having one moving violation may increase your cost forty percent or more. Drivers with clean records receive lower rates compared to drivers with tickets. Drivers with flagrant tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with the DMV in their state in order to keep their license.
  • Where do you drive? – The more you drive in a year’s time the higher your rates will be. Almost all companies rate vehicles based upon how you use the vehicle. Cars that are left in the garage get more affordable rates than those used for commuting. Improper usage on your Firebird may be wasting your money. Verify your insurance coverage policy properly reflects the correct driver usage.
  • Your insurance coverage rates can be influenced by your job – Did you know your job can affect your rates? Careers like judges, executives and accountants tend to have higher rates than average in part from job stress and long work hours. On the flip side, professions such as farmers, athletes and performers receive lower rates for Firebird insurance.
  • Are you male or female? – The statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. Both sexes have accidents in similar numbers, but the males have costlier accidents. They also have more aggressive citations such as reckless driving. Young males are the most expensive to insure and therefore have the most expensive insurance coverage rates.
  • How many coverages with the same company – The majority of insurers give discounts to people who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare rates to make sure you are getting the best deal. Consumers may find a better deal by insuring with multiple companies.
  • You might want pay the small claims yourself – If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Insurance companies generally give discounts to policyholders who file claims infrequently. Your insurance policy is meant to be used in the event of the large, substantial claims.

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Drivers who switch save $448 a year? Really?

Consumers can’t get away from ads for cheaper car insurance by companies like State Farm, GEICO and Progressive. All the ads say the same thing that you can save if you switch to them.

How do they all make almost identical claims?

Insurance companies are able to cherry pick for the type of customer that earns them a profit. For instance, a driver they prefer might be between the ages of 40 and 55, has no tickets, and has great credit. Any new insured who matches those parameters will get the preferred rates and most likely will pay quite a bit less when switching companies.

Potential customers who are not a match for these standards will be quoted higher premiums and this can result in the customer not buying. Company advertisements say “drivers who switch” not “everyone that quotes” save that much money. This is how insurance companies can confidently advertise the savings.

This emphasizes why you need to quote coverage with many companies. It is impossible to predict which car insurance company will provide you with the cheapest Pontiac Firebird insurance rates.

Auto insurance coverages

Learning about specific coverages of your insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for funeral costs, pain medications, EMT expenses, prosthetic devices and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Auto liability

Liability insurance provides protection from damage or injury you incur to a person or their property in an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like court costs, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for collisions

This coverage covers damage to your Firebird caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a building, sustaining damage from a pot hole, backing into a parked car, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Pontiac Firebird.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are similar to your liability insurance amounts.

Comprehensive coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like falling objects, damage from a tornado or hurricane and hail damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Spend less. Save more.

We just showed you a lot of tips how to reduce 1994 Pontiac Firebird insurance prices online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the lowest priced insurance coverage comes from an unexpected company.

Budget-conscious insurance can be found both online and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies do not offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

When trying to cut insurance costs, it’s not a good idea to buy less coverage just to save a little money. In too many instances, an insured cut physical damage coverage and found out when filing a claim that it was a big error on their part. Your focus should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

To learn more, link through to these articles:

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