2002 Pontiac Firebird Insurance Rates
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UPDATED: Feb 26, 2020
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Consumers have options when looking for affordable Pontiac Firebird insurance. You can either spend your time contacting agents getting price quotes or leverage the internet to make rate comparisons. There is a right way and a wrong way to shop for insurance coverage so you’re going to learn the quickest way to get price quotes for a new or used Pontiac and get the lowest possible price.
You should make it a habit to compare rates every six months since insurance rates change regularly. Even if you think you had the best deal for Firebird coverage last year other companies may now be cheaper. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to one of the quickest ways to reduce your cost while improving coverage.
Why your Pontiac Firebird might be costing you more
Smart consumers have a good feel for the factors that come into play when calculating the rates you pay for car insurance. Knowing what influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.
The list below includes some of the factors used by your company to calculate rates.
- Mature drivers pay less – More mature drivers are more responsible, tend to file fewer claims and receive fewer citations. Teen drivers are statistically proven to be less responsible when driving and because of this, their car insurance rates are much higher.
- Where do you drive? – Driving more miles in a year the higher your rate. The majority of insurers rate vehicles based on their usage. Cars left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Make sure your car insurance coverage shows the proper vehicle usage, because improper ratings can cost you money. If your policy improperly rates your Firebird can cost quite a bit.
- Multi-policy discounts can save money – The majority of insurers provide better rates to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to comparison shop to confirm you are receiving the best rates possible. Consumers may find better rates by buying insurance from more than one company.
- Extra add-on coverages are wasting money – There are many extra bells and whistles you can purchase on your Firebird policy. Insurance for vanishing deductibles, better glass coverage and motor club memberships may be costing you every month. They may seem like a good idea at first, but if you don’t need them eliminate the coverages to reduce your premium.
The quickest way to get policy rate comparisons is to know the fact most insurance companies pay for the opportunity to give free rates quotes. To start a quote, the only thing you need to do is spend a couple of minutes providing details like types of safety features, how many miles driven, whether your vehicle is owned or leased, and if a SR-22 is required. Those rating factors is instantly provided to multiple top-rated companies and you should receive rate quotes almost instantly.
Save on Pontiac Firebird insurance
Car insurance companies don’t necessarily list all available discounts in an easy-to-find place, so the following is a list of some of the more common as well as the least known savings tricks you should be using. If they aren’t giving you every credit possible, you are paying more than you should be.
- College Student – Children who live away from home and do not have access to a covered vehicle may be able to be covered for less.
- Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
- Accident Free – Claim-free drivers pay much less as compared to accident-prone drivers.
- Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
- Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less for Firebird coverage than less cautious drivers.
- Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
- Multi-policy Discount – When you combine your home and auto insurance with one insurance company you may earn at least 10% off all policies.
- Senior Discount – Mature drivers may receive reduced rates for Firebird coverage.
- Multiple Cars – Insuring all your vehicles on one policy may reduce the rate for each vehicle.
- Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Some only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn’t make money that way.
For a list of insurers with discount car insurance rates, click this link.
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Tailor your coverage to you
When choosing the best car insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different.
Here are some questions about coverages that may help highlight if you might need professional guidance.
- Why do I only qualify for high-risk insurance?
- Is my vehicle covered by my employer’s policy when using it for work?
- Do I have coverage if my license is suspended?
- Am I covered when driving a rental car?
- Am I covered when driving in Canada or Mexico?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Does insurance cover damages from a DUI accident?
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.
Car insurance 101
Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.
Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for bills for things like chiropractic care, dental work, hospital visits and doctor visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage
Collision – Collision coverage pays for damage to your Firebird resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for claims like sideswiping another vehicle, crashing into a building, driving through your garage door and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.
Comprehensive or Other Than Collision – This pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as damage from flooding, hail damage and hitting a bird. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Coverage for liability – Liability insurance can cover damage that occurs to a person or their property. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.
Liability coverage protects against things like medical services, structural damage, emergency aid, legal defense fees and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.
UM/UIM Coverage – This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2002 Pontiac Firebird.
Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.
Cheaper insurance is a realistic goal
We just showed you a lot of ways to reduce 2002 Pontiac Firebird insurance prices online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising.
As you shop your coverage around, make sure you don’t reduce coverage to reduce premium. In too many instances, someone sacrificed physical damage coverage only to discover later that it was a big error on their part. Your focus should be to buy a smart amount of coverage for the lowest price.
Insureds change insurance companies for any number of reasons including poor customer service, extreme rates for teen drivers, an unsatisfactory settlement offer or policy non-renewal. Regardless of your reason for switching companies, choosing a new company is not as hard as you think.
For more information, link through to the following helpful articles:
- Credit Impacts Car Insurance Rates (State Farm)
- Information for Teen Drivers (GEICO)
- Comprehensive Coverage (Liberty Mutual)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
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