1991 Pontiac Firebird Insurance Rates – 10 Policy Discounts

Wish you could get out of overpriced car insurance? Trust us when we tell you there are lots of residents who feel the same. Many insurance companies vie for your business, so it can be very hard to choose a company to get the best price available.

It is always a good idea to get comparison quotes yearly due to the fact that insurance prices are variable and change quite frequently. If you had the best deal for Firebird coverage two years ago you can probably find a lower rate today. Forget all the misinformation about car insurance because you’re going to learn the quickest way to save on car insurance.

If you have insurance now or are looking for a new policy, you can use these tips to reduce the price you pay while maximizing coverage. Finding the best rates is easy if you know what you’re doing. Vehicle owners just need to understand how to compare price quotes online.

Don’t overlook these ten insurance coverage discounts

Car insurance companies don’t necessarily list the complete list of policy discounts very clearly, so here is a list some of the more common in addition to some of the lesser obvious discounts that you can inquire about if you buy auto insurance online.

  • Military Rewards – Being on active deployment in the military could qualify you for better insurance coverage rates.
  • No Claims – Insureds who avoid accidents and claims have much lower rates when compared to accident-prone drivers.
  • Driver Safety – Taking time to complete a driver safety course could cut 5% off your bill and also improve your driving technique.
  • Smart Student Discounts – Performing well in school can get you a discount of up to 25%. The discount lasts up to age 25.
  • Save with a New Car – Putting coverage on a new car can save you some money since new model year vehicles are generally safer.
  • Switch and Save Discount – A few insurance coverage companies allow discounts for switching policies before your current coverage expires. The savings is around 10%.
  • Multi-Vehicle Discounts – Insuring more than one vehicle with one company could earn a price break for each car.
  • Discount for Passive Restraints – Cars that have air bags or automatic seat belts may qualify for discounts of up to 25% or more.
  • Seat Belt Discounts – Forcing all vehicle occupants to buckle up could cut 10% or more on the medical payments or PIP coverage costs.
  • Data Collection Discounts – Drivers that enable their insurance coverage company to scrutinize where and when they drive by using a telematic data system like Allstate’s Drivewise could save a few bucks if their driving habits are good.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you could get a free insurance coverage policy, nobody gets a free ride. But all discounts should help reduce the amount you have to pay.

Some of the insurance companies who may offer some of the above discounts include:

Double check with every prospective company which credits you are entitled to. A few discounts might not apply everywhere. If you would like to view insurance coverage companies that offer many of these discounts, click this link.

How much is car insurance?

Many insurance companies like Allstate, GEICO and Progressive give pricing on their websites. This process is easy for anyone as all you need to do is type in the amount of coverage you want as requested by the quote form. When the form is submitted, their system makes automated requests for reports for credit and driving violations and quotes a price based on these factors. Online quotes streamlines rate comparisons, but the time required to go to several different sites and type in the same data is monotonous and tiresome. But it’s very important to perform this step if you want to get the lowest price.

Quote rates the easy way

A quicker way to locate the lowest prices uses one simple form to return rates from several different companies. This type of form saves time, reduces the work, and makes online shopping much more enjoyable. As soon as you send your information, it is rated and you can choose any or none of the price quotes you receive. If the quotes result in lower rates, you can click and sign and purchase coverage. The entire process can be completed in less than 10 minutes and could lower your rates considerably.

To compare rates using this form now, click here and fill out the form. If you have coverage now, it’s recommended you input deductibles and limits just like they are on your policy. Doing this guarantees you will have a fair comparison for the exact same coverage.

When to get professional advice

When choosing the best car insurance coverage for your vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions might help in determining if you might need an agent’s assistance.

  • Do all my vehicles need collision coverage?
  • What is medical payments coverage?
  • Should I buy more coverage than the required minimum liability coverage?
  • I have health insurance so do I need medical payments coverage?
  • What discounts do I qualify for?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does coverage extend to my business vehicle?
  • Am I covered if I crash into my own garage door?
  • How much liability do I need to cover my assets?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance policy coverages for a 1991 Pontiac Firebird

Knowing the specifics of auto insurance can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages found on most auto insurance policies.

Auto liability – Liability insurance can cover damage that occurs to a person or their property that is your fault. Coverage consists of three different 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 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things like repair bills for other people’s vehicles, bail bonds and funeral expenses. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like X-ray expenses, surgery and ambulance fees. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverages – Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a bird, hail damage, damage from a tornado or hurricane and theft. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage – This gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Pontiac Firebird.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision – This pays for damage to your Firebird caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like hitting a mailbox, driving through your garage door, crashing into a ditch, colliding with a tree and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

In Summary

We’ve covered many tips how you can shop for 1991 Pontiac Firebird insurance online. It’s most important to understand that the more you quote auto insurance, the more likely it is that you will get a better rate. You may even discover the lowest prices are with a company that doesn’t do a lot of advertising. These companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and GEICO.

As you go through the steps to switch your coverage, make sure you don’t buy poor coverage just to save money. There are a lot of situations where an insured dropped physical damage coverage and learned later that it was a big mistake. The goal is to buy the best coverage you can find at the best price, but don’t skip important coverages to save money.

More detailed insurance coverage information can be found in these articles: