Cheapest 1998 Pontiac Firebird Insurance Rates in 2023
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UPDATED: Aug 24, 2022
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Nobody I know enjoys paying for insurance coverage, especially when their premiums are too high.
Numerous insurance companies battle for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the best price available.
If you have car insurance now, you will most likely be able to reduce your rates substantially using this information. Finding affordable coverage is not that difficult. Nevertheless, consumers must learn how big insurance companies determine prices because it can help you find the best coverage.
The method we recommend to get policy rate comparisons is to take advantage of the fact auto insurance companies pay for the opportunity to compare rate quotes. The only thing you need to do is provide a small amount of information such as whether you are married, deductibles desired, if you are currently licensed, and which vehicles you own. Those rating factors is instantly submitted to multiple auto insurance providers and they return quotes almost instantly.
To compare rates for a 1998 Pontiac Firebird now, click here and complete the form.
Be sure to get all your discounts
Companies don’t always list every discount in an easy-to-find place, so the following is a list of both the well known and the more hidden discounts you could be receiving.
- One Accident Forgiven – A handful of insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a certain period of time.
- Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
- Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
- Military Rewards – Having a deployed family member could be rewarded with lower premiums.
- Auto/Home Discount – If you have multiple policies with one company you may save up to 20% off your total premium.
- 55 and Retired – Older drivers may be able to get a discount up to 10% on Firebird coverage.
- Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up until you turn 25.
It’s important to understand that most discount credits are not given to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. So even though they make it sound like you can get free auto insurance, you’re out of luck.
Companies that may have these benefits include:
Double check with all companies you are considering which discounts they offer. Some discounts may not be available in your area.
How do I know if I need professional advice?
When it comes to choosing adequate coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s needs are different so your insurance should reflect that For example, these questions might help in determining whether your personal situation might need professional guidance.
- Does coverage extend to Mexico or Canada?
- Can my teen drive my company car?
- Should I drop comprehensive coverage on older vehicles?
- Is my 1998 Pontiac Firebird covered for flood damage?
- Should I bundle my homeowners policy with my auto?
- How much liability insurance is required?
- Can I still get insurance after a DUI?
- What discounts do I qualify for?
- Is a new car covered when I drive it off the dealer lot?
- Does car insurance cover theft of personal property?
If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.
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Learn about auto insurance coverages for a 1998 Pontiac Firebird
Understanding the coverages of your auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are the normal coverages available from auto insurance companies.
This coverage provides protection from damage that occurs to other people or property by causing an accident. This coverage protects you against other people’s claims. 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. Your policy might show values of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property.
Liability insurance covers things like structural damage, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.
Collision insurance will pay to fix damage to your Firebird resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for claims such as sustaining damage from a pot hole, hitting a mailbox, damaging your car on a curb, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.
Comprehensive auto coverage
This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like hail damage, damage from a tornado or hurricane, fire damage, damage from flooding and a broken windshield. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Pontiac Firebird.
Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like EMT expenses, ambulance fees and dental work. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible
More choices the merrier
In this article, we presented a lot of information how to compare 1998 Pontiac Firebird insurance prices online. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from the smaller companies. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.
Cheap insurance is possible on the web and with local insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies do not offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.
Much more information about car insurance is located at these links:
- Auto Insurance Learning Center (State Farm)
- Child Safety FAQ (iihs.org)
- What is a Telematics Device? (Allstate)
- Steps to Take After an Auto Accident (Insurance Information Insitute)
- Booster Seat Ratings (iihs.org)
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