How Much Does 2009 Pontiac Vibe Insurance Cost?

Finding better insurance prices for a Pontiac Vibe can be difficult, but you can follow the following methods to save time. There is a right way and a wrong way to find auto insurance online and we’ll show you the quickest way to get price quotes on a Pontiac and obtain the best price possible.

Save with these discounts

Some insurance providers don’t always advertise all possible discounts very clearly, so we break down a few of the more well known and also the lesser-known discounts that you may qualify for.

• Driver Training Discounts – Taking time to complete a class that teaches driver safety techniques could earn you a small percentage discount and also improve your driving technique.
• Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
• Bundled Policy Discount – If you can bundle your auto and home insurance and insure them both with the same insurance company you may save over 10 percent off each policy depending on the company.
• Senior Citizen Discount – Drivers that qualify as senior citizens may receive reduced rates on Vibe coverage.
• Multi-line Discount – Select car insurance companies reward you with better car insurancerates if you take out auto and life insurance together.

Policy discounts save money, but some of the credits will not apply to your bottom line cost. The majority will only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, companies wouldn’t make money that way. But any discount will reduce your premiums.

Popular car insurance companies and some of their more popular discounts are outlined below.

• Geico includes discounts for anti-lock brakes, daytime running lights, seat belt use, good student, federal employee, and military active duty.
• MetLife has discounts for good driver, claim-free, multi-policy, accident-free, and defensive driver.
• Progressive may include discounts for continuous coverage, homeowner, good student, online quote discount, multi-policy, online signing, and multi-vehicle.
• Travelers may have discounts that include new car, save driver, multi-car, early quote, and multi-policy.
• SAFECO may offer discounts for teen safe driver, safe driver, bundle discounts, multi-car, accident prevention training, homeowner, and teen safety rewards.
• AAA offers discounts including good driver, multi-car, good student, anti-theft, pay-in-full, AAA membership discount, and multi-policy.

Before buying, ask every company which discounts you may be entitled to. Savings may not apply to policies everywhere. If you would like to view insurance companies that offer discounts, follow this link.

Compare insurance coverage rates

Effectively comparing insurance coverage prices is a ton of work if you don’t utilize the best way to get rate quotes. You can waste a few hours (or days) talking to insurance agencies in your area, or you can stay home and use the internet for quick rates.

Many of the larger companies participate in an industry program where insurance shoppers submit one quote, and each company can give them a price based on that information. This system prevents you from having to do quote requests to each individual insurance coverage company.

To compare rates now click here to start a free quote.

The one downside to using this type of system is that consumers can’t choose the insurers to get quotes from. If you would rather choose from a list of companies to compare rates, we have a listing of insurance coverage companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but compare the exact same deductibles and coverage limits for every company. If you are comparing differing limits you can’t possibly determine the best price for your Pontiac Vibe.

Informed drivers save more

Lots of things are used in the calculation when you get a price on insurance. Some are obvious such as your driving record, but some are more obscure like your vehicle usage and annual miles driven.Consumers need to have an understanding of some of the elements that are used to determine your policy premiums. When consumers understand what determines premiums, this empowers consumers to make smart changes that will entitle you to cheaper rates.

The items below are some of the items companies use to determine your rates.

• Good drivers pay less – Having just one speeding ticket or other violation can increase the cost of insurance to the point where it’s not affordable. Good drivers pay lower auto insurance prices than bad drivers. Drivers who have received license-revoking violations like hit and run, DWI or reckless driving convictions may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
• Teenagers are high risk – Inexperience drivers have been known to be inattentive and easily distracted when driving with friends and because of this, their car insurance rates are much higher. Older people are more cautious drivers, cause fewer claims and accidents .
• Where do you drive? – Driving more miles in a year the more you’ll pay to insure your vehicle. The majority of insurers calculate prices based upon how the vehicle is primarily used. Vehicles that have low annual miles cost less to insure than those that get driven frequently. An incorrectly rated Vibe is just wasting money. It’s a smart idea to ensure your car insurance coverage correctly shows how each vehicle is driven.
• Car and home together may be cheaper – Most larger car insurance companies provide a discount for people that have more than one policy in the form of a multi-policy discount. Even though this discount sounds good, drivers will still want to compare other company rates to ensure the best deal.

Special considerations

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique.

For example, these questions could help you determine whether your personal situation would benefit from professional advice.

• When can I cancel my policy?
• Is my Pontiac Vibe covered if I use it for business?
• Does my car insurance cover rental cars?
• Does insurance cover damages from a DUI accident?
• Is my 2009 Pontiac Vibe covered for smoke damage?
• If my 2009 Pontiac Vibe is totaled, can I afford another vehicle?
• Does liability extend to a camper or trailer?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Don’t believe everything you hear

Drivers can’t avoid all the ads that claim the lowest premium rates from companies such as Progressive, Geico, Allstate and State Farm. They all advertise claims about how much you will save if you change your insurance coverage to their company.

How does every insurance company charge you a lower premium? This is the trick they use.

Most companies quote their cheapest rates for a prospective insured that will most likely be profitable. An example of this type of insured may be over the age of 35, has a clear driving record, and drives newer vehicles. Anyone who fits that profile will get the preferred prices and will save if they switch.

Drivers who do not fit those criteria will probably be forced to pay higher rates which translates to the customer not buying. If you pay attention, the ads say “customers that switch” not “everyone who quotes” save that kind of money. This is how companies can truthfully advertise the savings. Each company has different criteria, so you really should get car insurance quotes from several different companies. It’s just too difficult to predict the company that will have the best prices.

The coverage is in the details

Understanding the coverages of car insurance can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Pontiac Vibe.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive auto coverage – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like a broken windshield, vandalism and rock chips in glass. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability – Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers claims like repair costs for stationary objects, medical expenses and structural damage. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for immediate expenses like nursing services, prosthetic devices and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision – Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a ditch, damaging your car on a curb, colliding with another moving vehicle, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

A penny earned…

We’ve covered a lot of information how to save on 2009 Pontiac Vibe insurance. The most important thing to understand is the more quotes you get, the higher your chance of finding low cost car insurance. You may even discover the most savings is with a lesser-known regional company.

People change insurance companies for a number of reasons such as not issuing a premium refund, high rates after DUI convictions, an unsatisfactory settlement offer and denial of a claim. It doesn’t matter what your reason, finding a new company is easier than you think.

Budget-conscious 2009 Pontiac Vibe insurance is possible from both online companies and with local insurance agents, and you need to price shop both to have the best selection. Some insurance companies do not offer rates over the internet and usually these regional carriers only sell coverage through independent agents.

Additional detailed information can be found by following these links:

• How to Avoid Staged Accidents (State Farm)
• Neck Injury FAQ (iihs.org)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Insitute)