Easily Lower your Pontiac Firebird Insurance Rates in Three Steps
If searching for lower car insurance rates was a good time, we'd have no problem finding the best rate. But it's actually not a real enjoyable process for the majority of people and we always seem to end up paying too much. You probably feel the same way when trying to find cheaper coverage for your Pontiac Firebird.
Step One: Compare Rates from Multiple Companies
Up until just recently, the only option you had for shopping for insurance was getting a high pressure sales pitch in the office of your local insurance agent. Life has gotten easier!
All the major car insurance companies sell insurance for a Pontiac Firebird and you can compare their rates by entering your information only one time.
Start a free rate quote comparison now by clicking the link below. Once you complete the short form, you'll be able to compare rates and then move on to our next section on how to lower rates even further.
Insurance Quoting Tip! The only way to accurately compare rates bewteen different companies for your Firebird is to use identical coverage limits on all the quotes. If you use different liability limits and/or deductibles, you won't have an apples-to-apples rate comparison.
Step Two: Best Ways to Lower your Firebird Insurance Cost
What you actually pay to insure your Pontiac is determined by many factors, some of which you have no control over.
- Since your vehicle is higher performance than average, you can expect to pay a little more for coverage. To keep your costs lower, you may consider trading for a lower performance vehicle that has more moderate rates.
- Particular years and models of cars tend to be frequently stolen, and if your Firebird is on that list, chances are your insurance company knows it and will ding you a little extra because of it.
- Members of many professional organizations can receive discounts on car insurance, and if you're a senior citizen, that could earn you an additional discount.
- The extra acceleration and sheer fun of the Firebird will be a trade off for lower insurance rates. If you don't need the sportiness of the vehicle, you'll pay less to insure a lower profile vehicle.
- Small claims that may only exceed your physical damage deductibles by a small amount are better off not being submitted to your company. Just pay the extra hundred dollars or two and keep a claim-free discount on your policy.
- Renters will find they may be paying more for insurance as compared to homeowners. Owning a home can often get you a small discount on your car insurance.
- Equipping your Pontiac with available safety features such as air bags and passive restraints allows you to take advantage of additional discounts.
- Gaps in insurance coverage will cause problems for your insurance rates. Don't let your policy expire without having new coverage in place.
- Minor driving violations such as speeding tickets can cause your rates to go up. Too many violations in a short period of time will cause your policy to be non-renewed.
- Having recently completed a class in driver's safety could earn you a discount of 5% to 10%. Check with your insurance company to see if they offer that credit.
- Every parent dreads the day when their teenager gets added to their policy. If you are a teenager, or if you have one on your policy, expect to pay significantly more each year.
- One of the best ways to lower your insurance rates is to raise your credit score. Check your rating once a year and make sure to address any problem areas immediately.
- Before a comprehensive or collision claim is paid by your company, you have to pay a deductible first. The more you're willing to pay, the lower your rates will be. Consider raising your deductibles to $500 or even $1,000.
Step Three: Purchase a New Policy
Purchasing an insurance policy is more than just clicking a button. You need to have funds available to make payment and you need to be sure that the coverages are adequate for your personal situation.
You can cancel a policy at any time, but just remember to make the effective date of the replacement policy the exact same as the date you cancel your old policy. You do not want any gaps in coverage between policies.
When buying a new vehicle, coverage will extend from your existing policy. But if you don't have a car insurance policy, you will want to make sure you have coverage BEFORE you drive off the lot. Anytime you buy a vehicle, you want to make sure coverage is in place before driving off the lot. If you have a policy now, you will have at least liability coverage. But if you don't insure any vehicles with full coverage, then you will put your new Firebird at risk as soon as you drive away.
After completing your policy purchase, you can print out the proof-of-insurance card to place in your car. Always keep the current card available in case requested by law enforcement or if you are in an accident. SR-22 filings are for high risk drivers and ensure that you have met your state's financial responsibility requirements. If you have DUI, DWI or uninsured accident convictions, you may have to file an SR-22 with your state DMV.
For More Information
For more detailed car insurance topics, visit the Insurance Information Institute.
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