2005 Pontiac Vibe Insurance Rates – 8 Tips to Save

Searching for cheaper auto insurance rates for your Pontiac Vibe? There isn’t anyone who looks forward to paying premiums for auto insurance, particularly when the prices are way too high. Big-name insurance companies like Geico, Farmers Insurance and State Farm all claim big savings, bombarding you with ads and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.

If you have a policy now or are looking for a new policy, you can use these techniques to find the best rates and still get good coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers only need an understanding of the proper way to shop online.

How to compare free auto insurance rate quotes

Performing a rate comparison can take hours if you aren’t aware of the easiest way. You can waste hours talking about coverages with insurance companies in your area, or you could save time and use the web to achieve your goal.

Most of the best insurance companies enroll in a system where insurance shoppers only type in their quote data once, and each company then gives them pricing based on that data. This saves time by eliminating quote forms to every company. To compare pricing click here to start a free quote.

The only downside to comparing rates this way is that you can’t choose the insurers to receive prices from. So if you prefer to pick specific providers to request quotes from, we have assembled a list of companies who write auto insurance in your area. View list of insurance companies.

It’s your choice how you get your quotes, but be sure to compare identical coverage limits on every price quote you get. If the quotes have different coverage information it’s impossible to truly determine the lowest rate.

Cheaper rates by taking advantage of these eight discounts

Insurance is not cheap nor is it fun to buy but you might find some hidden discounts that can help lower your rates. Certain discounts will be applied when you quote, but a few must be requested specifically prior to receiving the credit. If you do not double check each discount available, you are just wasting money.

• Discounts for Safe Drivers – Safe drivers can save up to 40% or more on their insurance coverage quote on Vibe insurance than less cautious drivers.
• Multiple Cars – Insuring multiple vehicles on a single policy may reduce the rate for each vehicle.
• Smart Student Discounts – This discount may save as much as 25% on a insurance coverage quote. You can use this discount normally until age 25.
• Drive Less and Save – Driving fewer miles could be rewarded with better premium rates on cars that stay parked.
• Active Military Service – Being deployed with a military unit may lower your premium rates slightly.
• Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen less frequently and can earn a small discount on your policy.
• Early Signing – Some insurance companies give discounts for signing up before your current coverage expires. This can save 10% or more.
• Claim Free – Insureds who avoid accidents and claims can save substantially compared to drivers with a long claim history.

One last thing about discounts, most discount credits are not given to all coverage premiums. A few only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like you can get free auto insurance, you aren’t that lucky.

Some of the larger companies that may offer quotes with some of the above discounts may include but are not limited to:

• 21st Century
• State Farm
• AAA
• Liberty Mutual
• Progressive

It’s a good idea to ask all the companies which discounts you may be entitled to. Depending on the company, some discounts might not be available to policyholders in your area. To choose insurance companies who offer cheap insurance quotes, click here.

How much car insurance do I need?

When it comes to choosing coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different so this has to be addressed. For instance, these questions might help in determining whether your personal situation may require specific advice.

• Are my friends covered when driving my 2005 Pontiac Vibe?
• When does my teenage driver need to be added to my policy?
• How do I insure my teen driver?
• Do I need medical payments coverage since I have good health insurance?
• Should I file a claim if it’s only slightly more than my deductible?
• Do I need to file an SR-22 for a DUI in my state?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Insurance policy coverages for a Pontiac Vibe

Having a good grasp of a insurance policy helps when choosing the best coverages for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement. Shown next are typical coverage types offered by insurance companies.

Comprehensive coverages

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from getting keyed, damage from flooding, a broken windshield, fire damage and rock chips in glass. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage pays for damage to your Vibe caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as backing into a parked car, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for hospital visits, rehabilitation expenses, prosthetic devices, surgery and ambulance fees. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Liability car insurance

This protects you from damages or injuries you inflict on other people or property that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like legal defense fees, bail bonds, emergency aid and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Pontiac Vibe.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

A little work can save a LOT of money

Budget-friendly car insurance is definitely available both online in addition to many insurance agents, so get free insurance coverage quotes from both of them to have the best selection. Some insurance providers may not provide online price quotes and these regional insurance providers sell through independent agents.

As you quote insurance coverage, make sure you don’t reduce needed coverages to save money. There are too many instances where someone dropped physical damage coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at a price you can afford while still protecting your assets.

More detailed car insurance information can be read in the articles below:

• A Tree Fell on Your Car: Now What? (Allstate)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Medical Payments Coverage (Liberty Mutual)