2000 Pontiac Firebird Car Insurance Quotes – 5 Discounts for Cheapest Rates

Want lower auto insurance rates for your Pontiac Firebird? Wish you could get out of high-priced auto insurance? Trust us when we tell you there are lots of people in the same boat.

Popular companies such as GEICO, Farmers Insurance and State Farm promote their brand names with fancy advertisements and it is challenging if not impossible to avoid their marketing magic and find the best price available.

Save a ton with these five discounts

Some insurance providers do not advertise the complete list of policy discounts in an easy-to-find place, so below is a list a few of the more common and the more hidden discounts that you can inquire about if you buy car insurance online.

  • No Accidents – Insureds with no claims or accidents get the best car insurance rates when compared with drivers who are more careless.
  • Senior Citizen Rates – If you qualify as a senior citizen, you can possibly qualify for a small discount on rates for Firebird insurance.
  • Online Discount – A few larger online companies will give you a small discount for buying a policy and signing up digitally online.
  • Onboard Data Collection – Insureds who allow driving data collection to look at driving manner by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they exhibit good driving behavior.
  • Pay Now and Pay Less – If you can afford to pay the entire bill instead of making monthly payments you can avoid the installment charge.

It’s important to understand that some credits don’t apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any amount of discount should help lower your policy cost.

The best car insurance companies and some of their more popular discounts are:

  • AAA offers discounts including education and occupation, good driver, anti-theft, multi-policy, and good student.
  • Progressive discounts include continuous coverage, multi-vehicle, good student, online quote discount, and homeowner.
  • State Farm policyholders can earn discounts including good student, multiple policy, Steer Clear safe driver discount, good driver, passive restraint, anti-theft, and student away at school.
  • Esurance may have discounts that include paid-in-full, good student, claim free, multi-policy, defensive driver, anti-lock brakes, and Pac-12 alumni.
  • Nationwide offers premium reductions for good student, business or organization, multi-policy, family plan, easy pay, and defensive driving.

When quoting, ask every prospective company how many discounts you can get. Some of the discounts discussed earlier might not be available to policyholders in your area. If you would like to choose from a list of insurance companies who offer discounts, click here.

What is the best auto insurance coverage?

When choosing the best auto insurance coverage, there really is not a one size fits all plan. Everyone’s situation is unique so this has to be addressed. For instance, these questions may help you determine whether your personal situation may require specific advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Do I need replacement cost coverage on my 2000 Pontiac Firebird?
  • Am I covered if hit by an uninsured driver?
  • Do I need PIP (personal injury protection) coverage in my state?
  • I don’t drive much so do I pay less?
  • Does car insurance cover theft of personal property?
  • Is my nanny covered when driving my vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Specific coverages for a Pontiac Firebird

Learning about specific coverages of your auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. These are the usual coverages offered by auto insurance companies.

Liability coverages – This coverage will cover injuries or damage you cause to other’s property or people that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as court costs, structural damage and pain and suffering. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Pontiac Firebird.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for expenses for things like ambulance fees, pain medications, EMT expenses, funeral costs and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision coverages – Collision coverage pays for damage to your Firebird from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like sustaining damage from a pot hole, damaging your car on a curb and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive auto coverage – This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a deer, a tree branch falling on your vehicle, fire damage, hail damage and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Quote more. Save more.

More affordable insurance coverage is available both online and from local agencies, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers don’t offer online quoting and most of the time these smaller companies provide coverage only through local independent agents.

When you buy car insurance online, don’t be tempted to buy less coverage just to save a little money. Too many times, consumers will sacrifice liability limits or collision coverage only to regret that they should have had better coverage. The proper strategy is to buy the best coverage you can find for the lowest price.

Additional insurance coverage information is located at these links: