Pontiac Firebird Owners Uncover How to Lower Their Auto Insurance Rates

Consumers have a choice when looking for the lowest priced Pontiac Firebird insurance. They can either waste time struggling with agents trying to get quotes or use the internet to compare rates. There are more efficient ways to find auto insurance online so you’re going to learn the best way to compare rates on a Pontiac and find the best price possible from both online companies and local agents.

Buying car insurance is not rocket science. If you currently have car insurance, you stand a good chance to be able to save some money using these techniques. Nevertheless, car owners must understand how the larger insurance companies determine prices.

How much can you save with discounts?

Companies don’t always publicize every discount in a way that’s easy to find, so the following is a list of some of the more common as well as the least known ways to save on auto insurance.

• Multiple Cars – Insuring all your vehicles on one policy qualifies for this discount.
• Military Rewards – Having a deployed family member could be rewarded with lower premiums.
• Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
• Low Mileage Discounts – Driving fewer miles can qualify you for discounted rates on garaged vehicles.
• Sign Early and Save – Some companies give discounts for switching policies prior to your current policy expiring. It can save you around 10%.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most cut individual premiums such as liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way.

To choose insurers with discount auto insurance rates, click this link.

How to Compare Auto Insurance Costs

The are a couple different ways of comparing rate quotes and find the best price. The best way to find the cheapest Pontiac Firebird insurance rates is to use the internet to compare rates. This can be done in just a few minutes using one of these methods.

1. The fastest way to get quotes for comparison is to use a rate comparison form click to view form in new window. This easy form keeps you from doing separate forms for each company you want a rate for. Just one form will get you price quotes instantly. Just one form and you’re done.
2. Another way to compare rate quotes requires you to visit the website of each company to complete a price quote. For example, let’s assume you want comparison quotes from Auto-Owners, Allstate and State Farm. To get each rate you have to visit each site and enter your information, which is why the first method is quicker.

   For a handy list of car insurance company links in your area, click here.

However you get your quotes, compare exactly the same quote information for each price quote. If you enter different deductibles it will be next to impossible to make an equal comparison. Having just a slight variation in insurance coverages could mean much higher rates. It’s important to know that having more price comparisons helps you find the best offered rates.

Pontiac Firebird rates influenced by many factors

It’s important that you understand the different types of things that come into play when calculating the rates you pay for auto insurance. Knowing what influences your rates enables informed choices that can help you get better auto insurance rates.

The list below includes a few of the “ingredients” auto insurance companies consider when setting your rates.

• How many coverages with the same company – Most insurance companies provide better rates to policyholders who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. If you currently are using one company, it’s still a good idea to compare rates to make sure you are getting the best deal.
• Theft deterrents lower rates – Owning a car with an alarm system can help lower your rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.
• Men are more aggressive – Statistics have proven that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. Men and women tend to get into accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations such as reckless driving.
• Low deductibles can be expensive – Physical damage deductibles represent how much money you are required to spend in the event of a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply could be colliding with a building, damage caused by hail, and burglary. The more you are required to pay out-of-pocket, the less your company will charge you for insurance for Firebird coverage.
• Liability coverage is cheap – Liability coverage is the coverage that protects you in the event that a court rules you are at fault for damages from an accident. It will provide for a legal defense starting from day one. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.

Drivers who switch save $480 a year? Really?

State Farm, GEICO and Progressive regularly use ads on TV and radio. All the companies make the same claim of big savings if you move to their company. But how can every company say the same thing? It’s all in the numbers.

All companies can use profiling for the type of customer that is profitable for them. A good example of a desirable insured could be between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. Any new insured who fits that profile will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.

Drivers who don’t measure up to these standards will be charged higher premiums and ends up with the customer not buying. The ad wording is “people who switch” but not “drivers who get quotes” save that much. That’s the way insurance companies can make the claims of big savings. That is why drivers must get as many quotes as possible. It’s impossible to know which insurance companies will fit your personal profile best.

One last thing about your coverage

We’ve covered some good ideas how you can reduce Pontiac Firebird insurance prices online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising.

Lower-priced Pontiac Firebird insurance is possible both online and with local insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance companies do not offer online quoting and these smaller companies work with independent agents.

People change insurance companies for any number of reasons including high prices, unfair underwriting practices, policy non-renewal and extreme rates for teen drivers. It doesn’t matter what your reason, switching auto insurance companies is pretty easy and you might even save some money in the process.