Finding the cheapest insurance for a Pontiac Firebird can normally be difficult, but you can learn the following methods and make it easy. There are both good and bad ways to shop for car insurance and we’ll show you the quickest way to price shop coverage on a Pontiac and get the lowest possible price either online or from local insurance agents.
If you are insured now or need a new policy, you can learn to find the best rates and still get good coverage. Locating cheaper car insurance coverage is quite easy. Consumers only need to know the proper way to shop online.
What determines your Pontiac Firebird insurance premium
Consumers need to have an understanding of some of the elements that go into determining the rates you pay for car insurance. Understanding what determines base rates helps enable you to make changes that could result in lower car insurance prices.
- Type of vehicle determines base rates – The performance of the vehicle you drive makes a big difference in how high your rates are. The lowest base rates are usually for lower performance four cylinder passenger cars, but the final cost of insurance is determined by many other factors. Since the Pontiac Firebird is considered a sport coupe, insuring your vehicle will cost much more than the average rate where you live.
- Younger drivers pay higher rates – More mature drivers are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations. Teen drivers are statistically proven to be more careless when driving therefore car insurance rates are much higher.
- Never let your coverage lapse – Having an insurance coverage lapse is a sure-fire way to increase your car insurance rates. And not only will insurance be more expensive, getting caught without coverage may earn you a revoked license or a big fine.Then you may be required to file a SR-22 with your state department of motor vehicles.
- Careful drivers pay lower rates – Even one moving violation may increase your cost twenty percent or more. Drivers with clean records have lower premiums than bad drivers. If you have serious violations like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.
- Do men or women drive better? – Statistics demonstrate women tend to be less risk to insure than men. Now that doesn’t mean men are WORSE drivers than women. Women and men are in accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically get more serious tickets such as reckless driving.
- Lower miles equals lower premium – The higher the mileage driven in a year the more you will pay for car insurance. Most companies apply a rate determined by how the vehicle is used. Autos that are left in the garage receive lower rates compared to those used for work or business. If your policy improperly rates your Firebird can cost quite a bit. Verify your car insurance declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money.
- Your location affects your rates – Being located in less populated areas can save you money when talking about car insurance. Drivers who live in large cities have traffic congestion and much longer commute distances. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.
Comparison of Car Insurance
Effectively comparing car insurance prices can be a lot of work if you aren’t aware of the easiest way. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you could use the web to get prices fast.
Many insurance companies belong to an insurance system that enables customers to enter their policy data once, and each company can give them a price based on that information. This prevents consumers from doing quote forms for every car insurance company.
To find out how much you’re overpaying now click here to open in new window.
The only drawback to using this type of form is that you can’t choose which insurance companies you want pricing from. If you wish to select specific providers to receive pricing from, we have a page of companies who write car insurance in your area. Click to view list.
It doesn’t matter which method you choose, just make absolute certain that you use exactly the same coverage information on every quote you get. If you use different deductibles then you won’t be able to determine the best price for your Pontiac Firebird.
Is there deception in advertising?
Consumers get pounded daily by advertisements for car insurance savings from the likes of Progressive, Allstate and GEICO. They all seem to make an identical promise of big savings if you move your coverage to them.
How can each company claim to save you money? It’s all in the numbers.
All the different companies have a preferred profile for the type of customer they prefer to insure. For example, a profitable customer could possibly be between 30 and 50, has no driving citations, and has a high credit rating. Any new insured who meets those qualifications will get the preferred rates and as a result will probably cut their rates substantially.
Consumers who do not match the “perfect” profile must pay more money which usually ends up with the customer not buying. The ads say “drivers who switch” not “people who quote” save that kind of money. That is how insurance companies can confidently advertise the way they do. This illustrates why drivers must quote coverage with many companies. It’s impossible to know the company that will provide you with the cheapest rates.
Take discounts and save
Car insurance companies don’t list all their discounts very clearly, so we researched both the well known and the harder-to-find discounts you could be receiving. If you’re not getting every credit you deserve, you are paying more than you should be.
- Driver Safety – Taking a driver safety course could cut 5% off your bill if your company offers it.
- Discount for New Cars – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
- Accident Forgiveness – Some insurance companies permit an accident before raising your premiums if you are claim-free for a set time period.
- Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
- Homeowners Pay Less – Being a homeowner may trigger a car insurance policy discount because owning a home requires personal responsibility.
- E-sign – A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
- Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
- Anti-theft System – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
- Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
Keep in mind that most discounts do not apply to the overall cost of the policy. Most only apply to individual premiums such as liability and collision coverage. Just because it seems like you can get free auto insurance, companies don’t profit that way.
To see a list of companies offering car insurance discounts, follow this link.
A tidy conclusion
As you go through the steps to switch your coverage, it’s very important that you do not skimp on coverage in order to save money. In many instances, an insured dropped uninsured motorist or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage for the lowest price.
We just presented a lot of ways to reduce Pontiac Firebird insurance prices online. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even find the best prices are with a smaller regional carrier.
Insureds leave their current company for a number of reasons such as high rates after DUI convictions, questionable increases in premium, lack of trust in their agent or high prices. Regardless of your reason, choosing a new company is not as hard as you think.
