Cheapest 1995 Pontiac Firebird Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Aug 23, 2022

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Searching for cheaper insurance rates for your Pontiac Firebird? I can’t think of a single person who likes paying for insurance, particularly when they are paying too much.

Because there are so many companies to choose from, it’s difficult to locate the right provider.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have a car insurance policy, you will be able to lower your premiums substantially using these methods. But drivers do need to learn the way insurance companies sell insurance online.

Insurance Coverage Comparison Rates

When shopping for insurance coverage there are multiple ways of comparing price quotes and find the best price. The easiest way by far to find competitive 1995 Pontiac Firebird insurance rates is to perform an online rate comparison. This can be accomplished in several different ways.

  1. The recommended way to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This method prevents you from having to do separate quote forms for each company you want a rate for. A single, simple form compares rates from insurance coverage companies with the best prices.
  2. Another way to get comparison quotes requires a trip to each company’s website to request a price quote. For instance, let’s say you want comparison quotes from Auto-Owners, Safeco and Liberty Mutual. To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

  3. The most time-consuming method of comparing rate quotes is to waste gas driving to local insurance agencies. The ability to buy insurance online makes this process obsolete unless you have a need for the professional guidance of a local agent. You can, however, get the lowest quotes online and still use a local agent and we’ll touch on that later.

Whichever method you choose, be sure to compare apples-to-apples coverage limits for each price quote. If you compare different liability limits it will be very difficult to make a fair comparison for your Pontiac Firebird. Quoting even small variations in limits could mean much higher rates. And when comparison shopping, obtaining a wide range of quotes will improve the odds of getting the best rates.

Verify you’re getting all your discounts

Companies offering auto insurance don’t always advertise all their discounts in an easy-to-find place, so the following is a list of some of the best known and the more hidden discounts you could be receiving.

  • Multi-policy Discount – If you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
  • Discount for New Cars – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Driver Safety – Completing a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Firebird insurance with certain companies.
  • Claim Free – Drivers with accident-free driving histories can earn big discounts as compared to drivers who are more careless.
  • One Accident Forgiven – Certain companies permit an accident before your rates go up as long as you don’t have any claims for a certain period of time.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less for Firebird insurance than drivers with accidents.

Drivers should understand that some of the credits will not apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, car insurance companies aren’t that generous.

Companies that may offer these discounts are:

It’s a good idea to ask every prospective company how you can save money. Savings might not be offered everywhere.

Pieces of the Pontiac Firebird insurance rate puzzle

It’s important that you understand some of the elements that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels enables informed choices that could result in big savings.

Shown below are some of the factors auto insurance companies consider when setting premiums.

  • Equipment add-ons that lower auto insurance rates – Purchasing a vehicle with an alarm system can help lower your rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
  • Better crash test results mean better rates – Vehicles with good safety scores get lower rates. These vehicles have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies and thus lower rates. If your Pontiac Firebird has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Consolidate policies to earn discounts – Many auto insurance companies give discounts to policyholders who consolidate policies with them in the form of a multi-policy discount. Even with this discount, you still need to comparison shop to verify if the discount is saving money. You may still find better rates by splitting coverages up.
  • Do you have enough liability coverage? – Liability coverage is the protection if you are found to be at fault for personal injury or accident damage. It will provide legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Where you live – Being located in less populated areas can be a good thing when buying auto insurance. Fewer drivers means reduced accidents as well as less vandalism and auto theft. Drivers who live in large cities tend to have much more traffic to deal with and longer commutes to work. Longer commute distances can result in more accidents.
  • Pleasure use or commuting – The higher the mileage driven in a year the higher your rates will be. Most insurance companies apply a rate based on their usage. Vehicles used primarily for pleasure use can get a lower rate than those used for commuting. Having the wrong rating on your Firebird can result in significantly higher rates. Double check that your auto insurance declarations sheet shows the correct usage for each vehicle, because it can save money.
  • Being married is a good thing – Being married helps lower the price on auto insurance. It is viewed as being more mature than a single person and it’s statistically proven that being married results in fewer claims.
  • Lower rates come with age – Mature drivers are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel. Teenage drivers are statistically proven to be careless and easily distracted in a vehicle and because of this, their auto insurance rates are much higher.

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When should I talk to an agent?

When choosing the right insurance coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that can help discover whether your personal situation could use an agent’s help.

  • Does my car insurance cover rental cars?
  • Is a fancy paint job covered?
  • How do I file an SR-22 for a DUI in my state?
  • Who is covered by my policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is rental equipment covered for theft or damage?
  • Am I covered if I hit a deer?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Don’t believe everything you hear

Companies like 21st Century, Allstate and State Farm consistently run ads in print and on television. All the ads make an identical promise that you’ll save big if you change to their company. How does each company make the same claim?

All companies are able to cherry pick for the right customer that makes them money. A good example of a driver they prefer could be between 25 and 40, has no driving citations, and drives less than 7,500 miles a year. A customer who fits that profile will qualify for the lowest rates and therefore will save when switching.

Potential customers who do not match this ideal profile must pay higher prices which usually ends up with the customer not buying. The ads state “drivers who switch” but not “drivers who get quotes” save that much. This is how companies can truthfully claim big savings. This illustrates why it’s extremely important to compare as many rates as you can. It’s not possible to predict which insurance companies will provide you with the cheapest Pontiac Firebird insurance rates.

Specific coverage details

Having a good grasp of your policy can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring. Shown next are typical coverage types found on the average insurance policy.

Medical costs insurance

Coverage for medical payments and/or PIP pay for expenses for things like doctor visits, pain medications, funeral costs, ambulance fees and hospital visits. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability insurance can cover damage that occurs to other people or property by causing an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers things like structural damage, medical services and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Comprehensive or Other Than Collision

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like vandalism, rock chips in glass, damage from a tornado or hurricane and falling objects. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision protection

Collision insurance pays for damage to your Firebird caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as damaging your car on a curb, backing into a parked car and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

UM/UIM Coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Pontiac Firebird.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Save for a rainy day

When you buy insurance online, make sure you don’t skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. The proper strategy is to buy enough coverage at a price you can afford.

Cheaper 1995 Pontiac Firebird insurance is attainable both online and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies may not provide the ability to get a quote online and these small insurance companies work with independent agents.

More tips and info about insurance can be read at these sites:

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