Pontiac Pontiac Firebird Insurance Rates
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UPDATED: Feb 26, 2020
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Trying to find cheaper insurance rates for your Pontiac Firebird? Searching for cheaper insurance for your Pontiac Firebird could be a lot of work, but you can learn these tips to save time. There are more efficient ways to buy insurance so we’re going to tell you the best way to quote coverages for a Pontiac and find the lowest price from both online companies and local agents.
Pontiac Firebird rates are in the details
Smart consumers have a good feel for the rating factors that play a part in calculating the price you pay for insurance. When you know what positively or negatively influences your rates helps enable you to make changes that may reward you with big savings.
- Theft deterrents lower rates – Owning a car with anti-theft technology or alarm system can help lower your rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your vehicle from being stolen.
- Do you need the policy add-ons? – There are a lot of add-on coverages that you can get tricked into buying on your Firebird policy. Insurance for roadside assistance, accidental death and membership fees are examples of these. They may seem like a good idea when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
- Are you male or female? – Statistics have proven that women are safer drivers than men. However, this does not mean men are worse drivers. Men and women cause accidents at a similar rate, but men have costlier accidents. Men also have more aggressive citations such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and thus pay the highest rates.
- Multiple policies with one company can save – Most insurance companies will give a discount to people who buy several policies from them in the form of a multi-policy discount. Even if you’re getting this discount you may still want to compare rates to confirm you are receiving the best rates possible. You may still be able to find better rates by insuring with multiple companies.
Cut your car insurance rates with discounts
Companies offering auto insurance don’t necessarily list all available discounts very well, so the following is a list of some of the best known and the more hidden savings tricks you should be using. If you don’t get every credit you deserve, you are paying more than you should be.
- No Claims – Good drivers with no accidents can save substantially compared to frequent claim filers.
- Defensive Driving Course – Taking part in a course teaching defensive driving skills could cut 5% off your bill if you qualify.
- Low Mileage – Driving fewer miles could qualify for better rates on cars that stay parked.
- Student in College – Kids in college who live away from home without a vehicle on campus may be able to be covered for less.
- Multiple Policy Discount – When you combine your home and auto insurance with the same company you will save at least 10% off all policies.
- More Vehicles More Savings – Insuring multiple cars or trucks with the same company qualifies for this discount.
- Auto/Life Discount – Larger companies have lower rates if you buy life insurance.
- Homeowners Discount – Owning a home may earn you a small savings because of the fact that having a home is proof that your finances are in order.
- New Car Discount – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
- Memberships – Participating in a qualifying organization may earn a discount on your policy for Firebird insurance.
Keep in mind that some of the credits will not apply to your bottom line cost. Some only reduce specific coverage prices like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.
For a list of insurance companies offering car insurance discounts, click here.
Do drivers who switch really save?
Drivers constantly see and hear ads for the lowest price auto insurance by 21st Century, Allstate and State Farm. All the companies say the same thing about savings if you switch to their company.
But how can every company say the same thing?
Insurance companies are able to cherry pick for the type of customer that makes them money. For instance, a driver they prefer might be profiled as over the age of 50, has no driving citations, and drives less than 10,000 miles a year. Any new insured that hits that “sweet spot” receives the best rates and is almost guaranteed to save when they switch companies.
Consumers who don’t meet this ideal profile will have to pay a more expensive rate which leads to the driver buying from a lower-cost company. The ads state “people who switch” not “everybody who quotes” save that kind of money. That is how insurance companies can state the savings. Because of the profiling, you absolutely need to compare many company’s rates. Because you never know the company that will fit your personal profile best.
You are unique and your auto insurance should be too
When buying proper insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.
For instance, these questions might help in determining whether you might need an agent’s assistance.
- Is a fancy paint job covered?
- I have health insurance so do I need medical payments coverage?
- Why am I required to get a high-risk car insurance policy?
- Why do I only qualify for high-risk insurance?
- Do I need PIP (personal injury protection) coverage in my state?
- How do I buy GAP insurance?
- Am I covered if I break a side mirror?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.
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Car insurance policy coverages for a Pontiac Firebird
Knowing the specifics of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.
Insurance for medical payments
Med pay and PIP coverage pay for immediate expenses for things like surgery, ambulance fees and dental work. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Pontiac Firebird.
Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like hitting a deer, fire damage and a broken windshield. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Liability coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.
Liability insurance covers things such as structural damage, bail bonds, court costs, medical expenses and legal defense fees. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.
This coverage pays for damage to your Firebird resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.
Collision coverage pays for claims such as crashing into a building, scraping a guard rail, sideswiping another vehicle, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.
Coverage on a shoestring budget
Cheaper 2000 Pontiac Firebird insurance can be found from both online companies and with local insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.
We just presented many ideas to save on insurance. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even find the most savings is with some of the smallest insurance companies.
When trying to cut insurance costs, never reduce needed coverages to save money. There are many occasions where an accident victim reduced liability coverage limits and learned later they didn’t purchase enough coverage. The aim is to buy a smart amount of coverage at an affordable rate.
More information can be found at the links below
- Credit and Insurance Scores (Insurance Information Insitute)
- Keeping Children Safe in Crashes Video (iihs.org)
- Information for Teen Drivers (GEICO)
- Senior Drivers (Insurance Information Insitute)
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