2004 Pontiac Vibe Car Insurance Quotes

Searching for better auto insurance rates for your Pontiac Vibe? Purchasing the most affordable auto insurance on the web is difficult for consumers not familiar with shopping for insurance online. With such a large number of choices, how can drivers effectively compare the different rates to find the best price?

Pricing the cheapest car insurance can be fairly easy. Basically, every driver who is required by state law to have car insurance most likely will be able to find lower rates. Nevertheless, car owners must comprehend the way companies compete online.

Car Insurance Comparisons

Shopping for lower car insurance rates can be a lot of work if you don’t understand the fastest way to get free quotes. You can waste a lot of time talking to agents in your area, or you could use online quoting to maximize your effort.

Most major companies are enrolled in a marketplace where prospective buyers enter their policy data once, and every company can give them a price. This eliminates the need for repetitive form submissions for every car insurance company. To compare pricing click here (opens in new window).

One minor caviat to getting quotes like this is buyers cannot specifically choose which insurance companies to get quotes from. If you would rather choose specific providers for rate comparison, we put together a list of low cost car insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but double check that you are using the exact same deductibles and coverage limits on every quote. If you use different limits and deductibles on each one it’s not possible to determine the best price for your Pontiac Vibe. Having just a slight variation in insurance coverages may result in a large different in cost. And when comparing car insurance rates, know that getting more free quotes helps you find the best offered rates.

Can switching companies really save?

Insurance coverage providers like 21st Century, Allstate and State Farm continually stream ads on TV and radio. They all make the same claim that you can save after switching to their company. But how can every company make almost identical claims?

Different companies can use profiling for the type of driver that is profitable for them. For instance, a profitable customer could be over the age of 40, insures multiple vehicles, and has great credit. A customer getting a price quote that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Drivers who do not match the “perfect” profile must pay higher rates and ends up with business going elsewhere. The ad wording is “people who switch” not “people who quote” save that kind of money. That’s the way companies can truthfully make the claims of big savings.

This illustrates why it is so important to compare many company’s rates. It’s just too difficult to predict the company that will fit your personal profile best.

Why your Pontiac Vibe insurance rates may be high

Consumers need to have an understanding of the different types of things that come into play when calculating your auto insurance rates. Understanding what impacts premium levels helps enable you to make changes that could result in lower auto insurance prices.

  • Where do you drive? – Driving more miles every year the higher your rates will be. The majority of insurers charge to insure your cars based upon how you use the vehicle. Cars and trucks not used for work or commuting receive lower rates than those used for commuting. An improperly rated Vibe may be costing you. Ask your agent if your auto insurance coverage shows the proper vehicle usage, because improper ratings can cost you money.
  • A clean driving record saves money – Even a single moving violation can bump up the cost forty percent or more. Drivers who don’t get tickets get better rates compared to drivers with tickets. Drivers who get flagrant violations like DUI or reckless driving may be required to submit a SR-22 form with their state DMV in order to keep their license.
  • Your location affects your rates – Choosing to live in small towns and rural areas can save you money when it comes to auto insurance. City drivers regularly have traffic congestion and much longer commute distances. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Bump up deductibles to save – Physical damage deductibles define the amount you are willing to pay before a claim is paid by your company. Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply would be running into the backend of another car, collision with an animal, or theft. The more you are required to pay out-of-pocket, the less your auto insurance will be for Vibe insurance.
  • A lapse in coverage is a bad thing – Allowing your coverage to lapse will be a sure-fire way to bump up your auto insurance costs. Not only will you pay more, getting caught without coverage might get you a hefty fine and possibly a revoked license.You may need to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.

Take discounts and save

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to cut the cost considerably. Most are applied when you quote, but some may not be applied and must be asked for before being credited.

  • Resident Student – Youth drivers who are attending college and don’t have a car may qualify for this discount.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Defensive Driving Course – Taking a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you may save 10% to 20% off each policy.
  • Sign Early and Save – Some insurance companies reward drivers for switching to them prior to your current policy expiration. It can save you around 10%.

Consumers should know that some credits don’t apply to the entire policy premium. Most only cut individual premiums such as liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will reduce the amount you have to pay.

A partial list of companies that may offer these discounts may include but are not limited to:

It’s a good idea to ask each company what discounts are available to you. Savings might not apply in your area.

Which policy gives me the best coverage?

When choosing proper insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover if you could use an agent’s help.

  • Do I have coverage if my license is suspended?
  • Is my trailer covered?
  • Is motorclub coverage worth it?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my babysitter covered when using my vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • How high should my uninsured/underinsured coverage be in my state?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Coverages available on your insurance policy

Knowing the specifics of insurance can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Collision coverages – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as hitting a mailbox, damaging your car on a curb, rolling your car and driving through your garage door. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, rock chips in glass, fire damage, vandalism and damage from a tornado or hurricane. The highest amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for chiropractic care, ambulance fees, pain medications and surgery. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability – This will cover damage or injury you incur to a person or their property in an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like attorney fees, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Feed the piggy bank

When shopping online for car insurance, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where an insured dropped comprehensive coverage or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Drivers who switch companies do it for a number of reasons such as policy cancellation, delays in responding to claim requests, being labeled a high risk driver and denial of a claim. Regardless of your reason, finding the right car insurance provider can be less work than you think.

You just read a lot of techniques to save on 2004 Pontiac Vibe insurance. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the biggest savings come from the least-expected company.

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