Want the cheapest car insurance rates for your Pontiac Vibe? Are you tired of being strong-armed to buy car insurance? You’re in the same situation as most other vehicle owners.
With vehicle owners having so many car insurance companies to choose from, it is very difficult to choose the cheapest car insurance provider.
The purpose of this article is to help educate you on how to effectively get price quotes and some money-saving tips. If you currently have car insurance, you will most likely be able to save some money using these tips. Nevertheless, car owners must understand how insurance companies compete online.
There are a variety of methods to shop for insurance coverage, but one way is less labor-intensive and much quicker. You could spend your day discussing policy coverages with local insurance agents in your area, or you can utilize online quoting to achieve your goal.
Most car insurance companies enroll in a system where insurance shoppers send in one quote, and at least one company returns a rated price. This prevents consumers from doing form submissions to every company.
To submit your quote information now, click here to start a free quote.
The only downside to pricing coverage this way is you cannot specify which insurance companies you want pricing from. So if you prefer to pick from a list of companies for rate comparison, we have assembled a list of companies who write insurance coverage in your area. Click to view list.
It doesn’t matter which method you choose, just make sure you are using exactly the same coverages for every company. If the quotes have higher or lower deductibles you will not be able to determine which rate is truly the best. Slightly different coverage limits could throw off the whole comparison. And when comparison shopping, quoting more helps locate the best rates.
Some insurance providers don’t necessarily list every disount available very well, so the list below contains a few of the more well known as well as some of the hidden insurance coverage savings.
While discounts sound great, it’s important to understand that many deductions do not apply to the overall cost of the policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts should help reduce your policy cost.
Companies that may include most of these discounts include:
When getting a coverage quote, ask each insurance company which credits you are entitled to. Savings might not be offered on policies in your state. To view companies with the best insurance coverage discounts, click here.
When it comes to choosing adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. For example, these questions can help discover whether your personal situation would benefit from an agent’s advice.
If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.
Lots of things are used when premium rates are determined. Most are fairly basic like an MVR report, although others are less obvious such as your marital status or your commute time.
The list below includes some of the items companies use to determine your premiums.
Well-known car insurance companies like Progressive, Geico, Allstate and State Farm seem to constantly run ads on TV and radio. All the companies tend to make the same promise that people will save if you move your policy. How is it possible that every company can offer drivers better rates? This is the trick they use.
All the different companies have strict underwriting profiles for the type of customer they prefer to insure. For example, a preferred risk should be between the ages of 30 and 45, has no driving citations, and drives a vehicle with a low ISO rating. A driver who fits that profile will probably get the lowest premium rates and will most likely cut their rates substantially.
Potential insureds who fall short of these stringent criteria may be required to pay higher premiums which translates to the customer buying from someone else. The trick companies use is to say “drivers that switch” but not “all drivers who get quotes” save that kind of money. This is how companies can make it sound like they have such great premium rates.
Each company has different criteria, so you need to do a rate comparison at every renewal. Because you cannot predict with any certainty which company will have the best auto insurance rates.
Knowing the specifics of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by insurance companies.
This covers damage to your Vibe from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things like sustaining damage from a pot hole, rolling your car, backing into a parked car and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.
Liability insurance protects you from damage that occurs to other’s property or people by causing an accident. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage protects against things like structural damage, attorney fees, pain and suffering and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.
This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2004 Pontiac Vibe.
Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for ambulance fees, hospital visits, surgery and prosthetic devices. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible
Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like theft, damage from getting keyed, damage from flooding, vandalism and a broken windshield. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Discount 2004 Pontiac Vibe insurance can be found online as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. Some insurance providers do not offer online price quotes and these small insurance companies prefer to sell through independent insurance agents.
As you quote auto insurance, it’s very important that you do not buy poor coverage just to save money. There have been many cases where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at the best cost and still be able to protect your assets.
More detailed insurance coverage information can be found in the articles below:
Maureen Kemp
Just my two cents. From northwest of Newark, DE. Got prices from Safeco, Esurance, 21st Century, and American Family for my Pontiac and I’m now saving $17 a month. I got prices on the web. Not worth enough to pay for comprehensive and collision.
Lakeshia Sears
Thought I’d throw in my experience. I’m in Virginia Beach, VA. I don’t recall every quote but I ended up saving about $20 each month. I think they have home insurance too. Just waiting to see how claims go.
Delilah Cain
I’m in the suburbs of Phoenix, Arizona. I compared lots of rates. Saved right around $30 a month. State Farm was the most affordable for me. Are quotes cheaper online?
Marleen Maxwell
Live in the northern part of Aurora, Colorado. Quoted a bunch of companies. Saved roughly $10 a month. State Farm was the most affordable for me. Got better coverage too. I just quoted rates online. Book value doesn’t justify full coverage anymore.
Russell Robinson
I live just outside Norfolk, Virginia. I got free rates from Auto-Owners, MetLife, and some smaller one I can’t remember the name of for my 2004 Pontiac Vibe and I’m now saving $16 a month. Was with State Farm. They offer free online rate quotes. I don’t put full coverage on it.
Angelita Church
Will Progressive cancel me if I have an accident?
Dollie Green
Does Washington require a SR-22 after a DUI?
Yevette Hartman
If you’re a decent driver and live around Virginia Beach, Virginia, check out Allstate. They seem to be cheaper. I used their online quote form to compare rates.
Fleta Grimes
Thought I’d throw in my experience. Checking in from Hilo, Hawaii. Quoted quotes from Allstate, Esurance, and Liberty Mutual for my Pontiac and cut my rates about $110 a year.
Cecil Kemp
All companies are crooks. Found cheapest coverage with Progressive for my 2004 Pontiac Vibe and am saving around $70 a year. Insured with Mercury before.
Jonna Walsh
I got decent rates for a 2004 Pontiac Vibe in Jackson, MS. Ended up at roughly $70 every six months with American Family. Insured with Amica before. Hopefully won’t need it. It’s easy to compare rates online now. I think I’ll get rid of full coverage next time.
Willie Buckley
Can you buy custom paint coverage for a 2004 Pontiac Vibe?
Prince Ayala
I got quite a few price quotes for a 2004 Pontiac Vibe in Springfield, MA. Ended up at darn near $110 every six months with American Family. Might find lower rates online. I’m thinking about dropping full coverage though.