How Much Does 2002 Pontiac Firebird Insurance Cost?

Trying to find the cheapest insurance coverage rates? Buyers have options when searching for the best price on Pontiac Firebird insurance. You can either spend your time struggling with agents to compare prices or leverage the internet to get rate quotes. There are more efficient ways to find insurance coverage online so we’re going to tell you the best way to price shop coverage for a Pontiac and get the lowest possible price from both online companies and local agents.

Cheapest auto insurance quotes

Finding a lower price on 2002 Pontiac Firebird insurance is actually quite simple. Drivers just need to take time to get quotes from online providers. It’s really simple and can be done by using one of the methods below.

1. One of the best ways to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This type of form eliminates the need for separate quotes for every auto insurance company. Taking the time to complete one form will return price quotes from multiple companies. It’s definitely the quickest method.
2. Another way to get comparison quotes is to take the time to go to the website for each individual company and fill out a new quote form. For example, let’s say you want comparison quotes from USAA, Safeco and State Farm. You would need to navigate to each company’s site to enter the same coverage data repeatedly, and that’s why the first method is more popular.

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

3. The last method to find and compare rates is physically going to insurance agencies in your area. The ability to buy insurance online has made agencies unnecessary unless you have a need for the peace of mind of an agent trained in personal lines coverage. Drivers can compare online quotes and have a local agent actually service the policy.

The approach you take is up to you, just double check that you are using nearly identical coverages for every quote you compare. If each company quotes differing limits it’s impossible to get a fair rate comparison.

How much auto insurance do I need?

When buying proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different.

For example, these questions can aid in determining if you may require specific advice.

• Does coverage extend to my business vehicle?
• Which companies will insure high-risk drivers?
• Should I buy additional glass protection?
• What are the financial responsibility laws in my state?
• Does my 2002 Pontiac Firebird need full coverage?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Is my ex-spouse still covered by my policy?
• Should I buy full coverage?
• What exactly is covered by my policy?
• Do I need special endorsements for business use of my vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Specific coverages for a 2002 Pontiac Firebird

Understanding the coverages of your policy can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses such as hospital visits, X-ray expenses, dental work, surgery and ambulance fees. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Collision coverage protection

This coverage pays for damage to your Firebird from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a ditch, damaging your car on a curb, driving through your garage door and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability auto insurance

This coverage will cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

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 liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as court costs, medical expenses and structural damage. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage

This covers 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 can pay for claims such as rock chips in glass, falling objects, vandalism, damage from a tornado or hurricane and theft. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Pontiac Firebird.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.