1996 Pontiac Firebird Insurance Rates

Want the cheapest car insurance rates for your Pontiac Firebird? Price shopping your Driverscar insurance could be difficult for drivers not familiar with shopping for insurance online. Because there are so many online companies available, it can quickly become more work than you anticipated to compare prices.

It is always a good idea to quote other rates yearly because prices go up and down regularly. Even if you think you had the best quotes on Firebird coverage last year a different company probably has better rates today. Block out anything you think you know about car insurance because you’re about to find out the quickest way to find the best coverage while lowering your premiums.

Choosing the best insurance company for you is quite easy. If you currently have a car insurance policy, you will be able to reduce your rates substantially using these techniques. Nevertheless, drivers must understand the way companies market on the web and take advantage of how the system works.

How much does insurance cost?

The are a couple different ways to compare prices from many available insurance companies in your state. One of the best ways to find competitive 1996 Pontiac Firebird insurance rates is to get quotes online. It’s really quite simple and can be done using a couple different methods.

  • The first (and easiest) way to get quotes is to use a rate comparison form click to view form in new window. This easy form eliminates the need for repetitive form entry for each company. Just one form gets coverage cost estimates instantly. Recommended for those who want to invest the least amount of time.
  • A harder way to shop for insurance online requires a visit to each company’s website and repeat the quote process again and again. For sake of this example, we’ll assume you need rates from USAA, Farmers and Allstate. To get each rate you have to go to every website and repeatedly enter your information, which can take a lot of time.

    For a list of links to companies insuring cars in your area, click here.

Take whichever approach you prefer, but try to use the same information for each price quote. If you compare different deductibles you can’t possibly find the best deal for your Pontiac Firebird. Quoting even small variations in insurance coverages can make a big difference in price. And when comparing insurance rates, know that comparing more company’s prices increases the change that you will find lower pricing.

Why you might not save $446 a year

Well-known insurance companies like State Farm, GEICO and Progressive continually stream television, radio, and online ads. All the ads make the point of big savings after switching to their company. How is it plausible that every one can charge lower premium rates?

All companies provide the lowest rates for the type of customer that will generate a profit. One example of this type of risk profile may need to be a female over age 40, has no driving citations, and has a short commute. A propective insured that meets those criteria will most likely get cheap car insurance rates and is almost guaranteed to pay quite a bit less when switching companies.

People who may not quite match these standards may be forced to pay more expensive rates and ends up with the customer not buying. The trick is to say “drivers who switch” not “everyone who quotes” save that kind of money. This is how insurance companies can confidently make it sound like they have such great car insurance rates. Because of these techniques, drivers must get auto insurance quotes as often as possible. It is impossible to guess which insurance companies will fit you best based on your risk profile.

Cheap insurance quotes with discounts

Car insurance can cost a lot, but discounts can save money and there are some available that could drop your premiums quite a bit. Some of these disounts will be visible when you get a quote, but some may not be applied and must be specially asked for before you get the savings. If you do not double check each discount possible, you are paying more than you should be.

  • Defensive Driver Discounts – Taking a safe driver class is a good idea and can lower rates and easily pay for the cost of the class.
  • Student Driver Training – Teen drivers should participate in a local driver’s education class if it’s offered in school.
  • Seat Belts Save – Drivers who require all vehicle occupants to buckle up could save 15% off the PIP or medical payment premium.
  • Anti-lock Brakes – Cars with anti-lock braking systems can avoid accidents and the ABS can save up to 10%.
  • Low Mileage Discounts – Maintaining low annual mileage could qualify for slightly better premium rates than normal.
  • Drive Safe and Save – Drivers without accidents can get discounts for up to 45% lower rates on Firebird coverage than less cautious drivers.
  • Telematics Devices – Insureds who allow driving data collection to scrutinize driving habits by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they are good drivers.

Keep in mind that most of the big mark downs will not be given to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, insurance companies aren’t that generous.

The best insurance companies and their possible discounts are shown below.

  • Farm Bureau may have discounts that include youthful driver, 55 and retired, renewal discount, safe driver, and multi-policy.
  • MetLife offers discounts for good student, good driver, multi-policy, claim-free, accident-free, and defensive driver.
  • Progressive policyholders can earn discounts including good student, online quote discount, multi-vehicle, online signing, multi-policy, continuous coverage, and homeowner.
  • AAA discounts include pay-in-full, anti-theft, multi-policy, multi-car, education and occupation, good student, and AAA membership discount.
  • American Family offers premium reductions for good driver, bundled insurance, accident-free, multi-vehicle, and early bird.
  • GEICO has savings for driver training, five-year accident-free, seat belt use, multi-policy, and multi-vehicle.
  • State Farm may include discounts for safe vehicle, Drive Safe & Save, accident-free, defensive driving training, and student away at school.

Before buying, ask each company to give you their best rates. Some of the discounts discussed earlier might not be offered in your area. To locate companies that offer the discounts shown above, click this link.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is unique.

These are some specific questions may help you determine whether you could use an agent’s help.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I pay less if my vehicle is kept in my garage?
  • Is my custom paint covered by insurance?
  • Can I get a multi-policy discount?
  • Am I missing any policy discounts?
  • Are my friends covered when driving my 1996 Pontiac Firebird?
  • Is my nanny covered when driving my vehicle?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Information about specific coverages

Having a good grasp of insurance can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Auto liability insurance – Liability coverage provides protection from injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for things like medical expenses, legal defense fees and attorney fees. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for bills for things like ambulance fees, surgery, chiropractic care, prosthetic devices and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision – Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sustaining damage from a pot hole, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, hitting a bird, theft and vandalism. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Pontiac Firebird.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Shop around and save

Lower-priced 1996 Pontiac Firebird insurance can be purchased both online as well as from insurance agents, so you need to shop auto insurance with both to have the best chance of lowering rates. Some companies may not provide price quotes online and many times these regional insurance providers only sell through local independent agencies.

In this article, we covered a lot of information how to save on 1996 Pontiac Firebird insurance. The most important thing to understand is the more providers you compare, the better likelihood of getting cheap auto insurance. You may even find the lowest priced car insurance comes from the least-expected company.

People change insurance companies for many reasons like extreme rates for teen drivers, not issuing a premium refund, lack of trust in their agent and delays in responding to claim requests. It doesn’t matter what your reason, finding a new company can be easier than you think.

Even more information can be found by following these links: