Looking for lower auto insurance rates for your Pontiac Vibe? Feeling guilty for buying overpriced auto insurance? Believe me when I say there are many drivers thinking the same thing.
You have so many insurers to choose from, and although it’s nice to have multiple companies, it can be more difficult to compare rates and cut insurance costs.
Some insurance providers do not list the complete list of policy discounts very well, so the list below contains both the well known and the harder-to-find credits available to you.
A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. Even though it may seem like adding up those discounts means a free policy, it doesn’t quite work that way.
A few popular companies and the discounts they provide are shown below.
When quoting, ask all companies you are considering which discounts can lower your rates. Some discounts might not be available to policyholders in your area. If you would like to see a list of insurers that offer multiple discounts, click here.
When buying the right insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s needs are different so your insurance should reflect that These are some specific questions may help you determine whether your personal situation would benefit from professional advice.
If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.
Popular insurance providers such as Progressive, Allstate and Geico regularly use television, radio, and online ads. They all seem to state the claim about savings just by switching to their company. How does every insurance company offer drivers better rates? It’s all in the words they use.
All companies give the cheapest rates for the type of insured that will add to their bottom line. A good example of a driver they prefer should be between 25 and 40, has no driving citations, and has a high credit rating. A customer that fits those parameters will get a cheap rate quote and will save when switching.
Drivers who are not a match for this ideal profile will probably be forced to pay a higher rate with the end result being the driver buying from a lower-cost company. The trick is to say “customers who switch” but not “all drivers who get quotes” will save that much if they switch. That’s why companies can truthfully advertise the way they do. This illustrates why you should get a wide range of price quotes. It’s just too difficult to predict the company that will have the lowest rates for your situation.
Understanding the coverages of a car insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages available from car insurance companies.
Collision coverage protection
Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like backing into a parked car, hitting a parking meter, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.
Comprehensive (Other than Collision)
This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things like hitting a deer, a tree branch falling on your vehicle, hitting a bird and damage from a tornado or hurricane. The most your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Liability coverages
This coverage protects you from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.
Liability can pay for things like court costs, repair bills for other people’s vehicles, medical services, funeral expenses and bail bonds. How much coverage you buy is up to you, but buy as much as you can afford.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for surgery, chiropractic care and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Pontiac Vibe.
Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
When shopping online for insurance, make sure you don’t buy lower coverage limits just to save a few bucks. In many cases, someone dropped physical damage coverage only to find out that they should have had better coverage. Your goal is to get the best coverage possible for the lowest cost, but don’t skip important coverages to save money.
Cheaper insurance can be purchased on the web and with local insurance agents, and you should be comparing both to have the best rate selection. Some insurance providers may not have the ability to get quotes online and usually these smaller providers sell through independent agents.
To read more, link through to these articles:
Ladawn Mills
If you have a clean record and are close to Greensboro, North Carolina, check out Progressive. They seem to be cheaper. I have a couple other vehicles on the policy. Just waiting to see how claims go.
Krystyna Cervantes
Are Progressive rates cheap in North Carolina?
Marlon Bass
I live in a small town just outside of Dallas, TX. Not sure of all the companies but I ended up saving about $40 each month.
Earleen Harmon
In Rapid City, South Dakota try Allstate or Progressive. Both had decent prices.
Tamesha Hawkins
Will GEICO cancel if I have a claim?
Krystin Sanchez
Like your site, BTW. I’m from Portland, OR. I quoted with Liberty Mutual, AIG Insurance, Mercury, and a couple others for my Vibe and saved just over $190 a year. Insured with Esurance before. :)
Temple Powell
I’m in the north part of Billings, Montana. Received quotes from GEICO, Auto-Owners, and some I forget for my Pontiac and saved $268 a year. It was easy to get rates.
Kanesha Lawrence
I live in a small town just outside of Boise, ID and for me GEICO had the lowest quote. Was with Hartford.
Dixie Joseph
I think I’m paying too much. From west side of Tulsa, OK. I don’t recall every quote but I ended up saving about $40 each month. Bought it from an online quote.
Magda Kirkland
If you’re a decent driver and live in the vicinity of Virginia Beach, Virginia, check out GEICO. They seem to be cheaper. Insured with Esurance before.
Hosea Schwartz
Hope my rates come down. Went with Amica for my Pontiac and saved about $270 a year.