2001 Pontiac Firebird Insurance Cost – 5 Savings Tips

Searching for lower insurance rates for your Pontiac Firebird? Locating low-cost insurance for a Pontiac Firebird can be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to find insurance online so you’re going to learn the best way to compare rates for a Pontiac and get the lowest possible price either online or from local insurance agents.

Choosing the best insurance company for you is quite easy. If you have a policy now or need a new policy, you can use this information to reduce the price you pay while maintaining coverages. Drivers just need to know the proper methods to compare prices online.

Buy insurance coverage online

Most companies like Progressive, GEICO, Allstate and State Farm make it easy to get price estimates from their websites. Getting online quotes is fairly simple because you just enter your required coverages into a form. After the form is submitted, the company’s rating system collects reports for credit and driving violations and returns a price quote based on the information you submitted.

This simplifies rate comparisons, but the work required to visit many different websites and type in the same information is monotonous and tiresome. But it’s also necessary to do this in order to find a lower rate.

Quote rates the easy way

The smarter way to get multiple rate quotes uses just one form that analyzes rates from a bunch of companies at once. This type of form saves time, requires less work, and makes online shopping much more enjoyable and efficient. Once the form is submitted, it is quoted with multiple companies and you can pick any of the returned quotes. If you find a better price it’s easy to complete the application and purchase the new policy. It takes 15 minutes at the most and may result in a nice savings.

If you want to find out how much you’re overpaying now, click here to open in a new tab and enter your information. If you have your current policy handy, we recommend you input deductibles and limits exactly as shown on your declarations page. This helps ensure you will have rate comparison quotes using the exact same coverages.

You may need specialized insurance coverage

When choosing adequate coverage, there really is no cookie cutter policy. Every situation is different.

Here are some questions about coverages that can aid in determining whether your personal situation will benefit from professional help.

  • Do I need an umbrella policy?
  • Do I benefit by insuring my home with the same company?
  • Can I make deliveries for my home business?
  • Is business equipment covered while in my vehicle?
  • Does car insurance cover theft of personal property?
  • If I drive on a suspended license am I covered?
  • Is a blown tire covered by insurance?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered when driving a rental car?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Insurance coverage considerations

Having a good grasp of your insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability car insurance

This coverage will cover damages or injuries you inflict on a person or their property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers things like loss of income, structural damage, bail bonds and emergency aid. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Comprehensive protection

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a bird, theft, hitting a deer and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for bills such as prosthetic devices, hospital visits and dental work. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sustaining damage from a pot hole, rolling your car, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.