Save on 2008 Pontiac Vibe Insurance Cost

Are you drained from sacrificing to pay your insurance bill each month? You’re in the same situation as many other vehicle owners. Big companies like Allstate and Progressive continually hit you with advertising and it is challenging if not impossible to see through the deception and find the best price available.

Compare free auto insurance rate quotes

Performing a rate comparison can take hours if you aren’t aware of the most efficient way. You can spend your afternoon talking to insurance companies in your area, or you could use the web to get prices fast.

The majority of car insurance companies belong to a marketplace where insurance shoppers submit their information once, and at least one company returns a rated price determined by their information. This prevents consumers from doing form submissions to each company.

To find out how much you can save on auto insurance click here to start a free quote.

One minor caviat to using this type of system is you don’t know exactly the companies to receive prices from. So if you want to select from a list of companies to request quotes from, we have a listing of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Compare rates however you want, just try to use equivalent coverages and limits with each company. If your comparisons have different liability limits then you won’t be able to find the best deal for your Pontiac Vibe.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that may help highlight if your situation might need professional guidance.

• What if I owe more than I can insure my car for?
• Does liability extend to a camper or trailer?
• Exactly who is provided coverage by my policy?
• Is a new car covered when I drive it off the dealer lot?
• Will my insurance pay for OEM parts?
• Can I drive in Mexico and have coverage?
• At what point should I drop full coverage?
• Should I buy full coverage?
• Do I need higher collision deductibles?
• How much can I save by bundling my policies?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

The coverage is in the details

Learning about specific coverages of your auto insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverage types found on the average auto insurance policy.

Comprehensive protection

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

Comprehensive insurance covers things such as hitting a bird, damage from a tornado or hurricane and a broken windshield. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

This coverage covers damage to your Vibe resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as scraping a guard rail, hitting a mailbox, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for bills for things like surgery, nursing services, rehabilitation expenses and funeral costs. They are used to fill the gap from your health insurance plan or if you do not have health coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

This gives you protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Pontiac Vibe.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Coverage for liability

This can cover damages or injuries you inflict on a person or their property in an accident. It protects YOU against other people’s claims. Liability 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 values of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things such as structural damage, bail bonds, pain and suffering, funeral expenses and court costs. How much coverage you buy is up to you, but buy as high a limit as you can afford.