Pontiac Firebird Insurance Rates

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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: May 28, 2023

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Finding cheaper auto insurance by comparing rates online saves time, is easy to do, in addition you might just save a little. The key to finding lower rates is to take the time to get as many rate quotes as possible in order to accurately compare every option.

Finding the best direct price on auto insurance can be complicated if you are a beginner to online quotes. But don't let that discourage you because comparing prices is actually very simple. Finding a lower price on Pontiac Firebird insurance can be quick and easy. You just have to take a little time to get quotes online from several insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Criteria which help determine Pontiac Firebird insurance cost

Auto insurance rates for a Pontiac Firebird can vary widely and are calculated by many factors. A few of these criteria are:

  • Tickets increase premiums
  • Credit rating
  • The size of your community
  • How many miles you drive
  • Men typically pay more than women
  • The deductible you choose
  • NTSB crash rating for your vehicle
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Owning a home can lower rates

A final factor which can affect Pontiac Firebird insurance rates is the model year. Models that are new have a higher actual cash value in comparison to later models so the costs to repair can inflate annual premiums. But more recent Firebird vehicles may have a trim level with safety features including dual-stage airbags, a rollover prevention system, and lane departure warning system which can help offset higher rates.

Auto liability insurance

This will cover injuries or damage you cause to other people or property that is your fault. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so consider buying higher limits if possible.

Collision coverage

This will pay to fix damage to your Firebird caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Pontiac Firebird collision insurance is rather expensive coverage, 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.

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by your Pontiac Firebird comprehensive insurance. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for bills (i.e. ambulance fees, surgery, and doctor visits). They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP coverage is only offered in select states and may carry a deductible.

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