Cheaper 2003 Pontiac Vibe Car Insurance Rates

Trying to find low cost Driverscar insurance can seem to be frustrating for drivers who are beginners to quoting coverage prices online. With so many insurance agents and online companies available, it can easily become hard work to locate the lowest rates.

The quickest method to compare rate quotes is to take advantage of the fact most of the larger companies allow for online access to give free rates quotes. The only thing you need to do is provide a little information like how much education you have, whether you drive to work or school, whether you have decent credit, and the type of vehicles you drive. That information is automatically sent to insurance carriers in your area and they respond with quotes immediately.

To find lower rates now, click here and enter your zip code.

These discounts can lower car insurance rates

Car insurance companies do not advertise the entire discount list in an easy-to-find place, so the list below details a few of the more well known and also the more inconspicuous credits that may apply to you. If you are not receiving all the discounts available, you are throwing money away.

• Theft Prevention System – Cars, trucks, and SUVs optioned with advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
• Policy Bundle Discount – If you can bundle your auto and homeowners insurance with the same insurance company you could save approximately 10% to 15%.
• New Car Discount – Adding a new car to your policy can get you a discount because new model year vehicles have to meet stringent safety requirements.
• Drive Less and Save – Low annual miles can earn lower prices due to less chance of an accident.
• Discount for Swiching Early – Select insurance companies give a discount for switching companies prior to the expiration date on your current policy. You may see this discount when you get insurance coverage quotes online.
• Good Student Discount – This discount can get you a discount of up to 25%. The good student discount can last well after school through age 25.
• Employee of Federal Government – Federal government employees may reduce rates when you quote insurance coverage for Vibe insurance with some car insurance companies.
• 55 and Retired – Seniors may be able to get a slight reduction on a insurance coverage quote for Vibe insurance.
• Clubs and Organizations – Being in a qualifying organization could qualify you for a break on car insurance.

You should keep in mind that some of the credits will not apply to the entire cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, car insurance companies aren’t that generous. But all discounts will reduce your policy premiums.

A few companies that may offer many of the previously listed discounts include:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

When getting a coverage quote, ask each insurance company to give you their best rates. Some credits may not be available in your area. If you would like to view companies with discount rates, click here.

When do I need an agent’s advice?

When buying proper insurance coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out whether your personal situation would benefit from an agent’s advice.

• Does my policy cover me when driving someone else’s vehicle?
• How can I get high-risk coverage after a DUI?
• Is upholstery damage covered by car insurance?
• Does liability extend to a camper or trailer?
• When would I need rental car insurance?
• Who is covered by my policy?
• Do I need motorclub coverage?
• Is extra glass coverage worth it?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form.

You can change your insurance premiums

Many things are part of the equation when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but others are not quite as obvious such as whether you are married and annual miles driven.

• Rates and your address – Being located in small towns and rural areas is a positive aspect if you are looking for the lowest rates. People in densly populated areas regularly have much more traffic and longer commute times. Fewer drivers translates into fewer accident claims as well as less vandalism and auto theft.
• Careless drivers pay higher costs – Having a clean driving record has a big impact on rates. Only having one speeding ticket or other violation could increase your next policy renewal by as much as thirty percent. Careful drivers tend to pay less for car insurance than their less careful counterparts. Drivers who have careless tickets like DUI or reckless driving might be required by their state to maintain a SR-22 with their state’s department of motor vehicles in order to prevent a license revocation.
• Don’t skimp on liability insurance – A critical coverage on your policy, liability insurance is the coverage that protects you in the event that you are found to be at fault for causing damage or personal injury in an accident. Liability provides you with a defense in court starting from day one. This coverage is very inexpensive when compared to the cost of physical damage coverage, so drivers should carry high limits.
• Cheaper rates after marriage – Having a significant other can get you a discount on your insurance coverage bill. It translates into being more stable financially and statistics prove married drivers get in fewer accidents.
• Consider raising deductibles – Physical damage insurance, aka comp and collision, is used to repair damage to your vehicle. Some examples of covered claims would be colliding with a building, damage caused by hail, and having your car stolen. Deductibles for physical damage represent how much money you are required to spend if a covered claim is submitted. The more you choose to pay out-of-pocket, the better rate you will receive for Vibe insurance.
• Higher prices for specific vocations – Occupations such as lawyersairline pilots and dentists are shown to have higher rates than the rest of us in part from high stress levels and long work days. On the flip side, occupations like professors, athletes and performers have the lowest average rates for Vibe insurance.
• Buy a safe car and pay less – Safer cars are cheaper to insure. The safest vehicles protect occupants better and reduced instances of injuries means less claims paid which can result in lower premiums. If the Pontiac Vibe scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
• A good credit history can save money – An insured’s credit history is a big factor in calculating your premium rate. Drivers who have very high credit ratings tend to be better drivers and file fewer claims as compared to drivers with bad credit. So if your credit history can be improved, you could pay less to insure your 2003 Pontiac Vibe by taking the time to improve your credit score.

Information about specific coverages

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive coverages

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, hail damage and damage from flooding. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for collisions

This will pay to fix damage to your Vibe resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as rolling your car, hitting a parking meter, driving through your garage door, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Pontiac Vibe.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Liability

This protects you from damages or injuries you inflict on people or other property by causing an accident. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as bail bonds, medical expenses, funeral expenses and emergency aid. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for bills such as hospital visits, EMT expenses, funeral costs, doctor visits and nursing services. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Be Smart and Buy Smart

Consumers change insurance companies for a variety of reasons including denial of a claim, not issuing a premium refund, policy non-renewal and even lack of trust in their agent. No matter why you want to switch, finding a new car insurance company can be pretty painless.

A few companies don’t offer the ability to get a quote online and these smaller companies only sell through local independent agents. More affordable car insurance is possible both online in addition to local insurance agencies, and you need to price shop both in order to have the best price selection to choose from.

We just covered a lot of techniques to shop for 2003 Pontiac Vibe insurance online. The key concept to understand is the more rate quotes you have, the better your comparison will be. Consumers could even find that the lowest rates are with the least-expected company.

Other learning opportunities

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• Vehicle Insurance in the U.S. (Wikipedia)
• Child Safety FAQ (iihs.org)
• Parking Tips to Reduce Door Dings (State Farm)