2006 Pontiac Vibe Car Insurance Cost – 10 Policy Discounts

Finding a different company that has low cost insurance coverage might sound like a lofty goal if you’ve never received online rate quotes. Don’t let that bother you because finding affordable coverage online is easier than you think.

If you have car insurance now, you should be able to reduce your rates substantially using this strategy. The purpose of this post is to teach you the most effective way to quote insurance. But drivers must learn how the larger insurance companies price online insurance because it can help you find the best coverage.

Buy auto insurance online

There are multiple methods to compare auto insurance quotes, but there is one way that is more efficient than others. You could spend your day discussing policy coverages with local insurance agents in your area, or you can utilize online quotes to maximize your effort.

Most car insurance companies belong to an insurance system that enables customers to submit their information once, and each participating company then gives them pricing based on the submitted data. This system prevents you from having to do quotation requests to every company.

To enter your information into the quoting system, click here to open in new window.

The single downside to comparing rates this way is you cannot specify the companies you want pricing from. So if you want to select individual companies for rate comparison, we have a listing of the cheapest auto insurance companies in your area. Click to view list.

Take whichever approach you prefer, but try to use apples-to-apples coverages and limits with every price quote. If you use different limits and deductibles on each one it’s not possible to determine the lowest rate for your Pontiac Vibe. Even a minor difference in coverage limits could throw off the whole comparison. And when quoting auto insurance, remember that comparing more rates from different companies helps improve the odds of finding the best offered rates. Some smaller insurers to not give online quotes, so you also need to get price quotes from the smaller companies as well.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that might point out if you could use an agent’s help.

• I don’t drive much so do I pay less?
• Does my insurance cover my expensive audio equipment?
• Can I afford low physical damage deductibles?
• Is business equipment covered while in my vehicle?
• Does coverage extend to Mexico or Canada?
• What if I owe more than I can insure my car for?
• Is rental equipment covered for theft or damage?
• How much liability coverage do I need in my state?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form.

Coverages available on your insurance policy

Learning about specific coverages of insurance can help you determine appropriate coverage for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

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

Collision can pay for claims like hitting a mailbox, rolling your car, colliding with a tree, backing into a parked car and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive protection – This covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like vandalism, hail damage, a tree branch falling on your vehicle, damage from flooding and hitting a bird. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability – This protects you from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers things such as repair bills for other people’s vehicles, funeral expenses, medical expenses, bail bonds and attorney fees. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical expense coverage – Med pay and PIP coverage provide coverage for immediate expenses for dental work, chiropractic care, funeral costs and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers 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 should not be overlooked.