Cheap 2010 Pontiac Vibe Insurance Quotes

Shopping for budget-priced car insurance on the internet might seem difficult for drivers new to quoting and comparing rates and buying car insurance on the internet. With such a large number of agents and online companies, how are we expected to effectively compare the different rates to find better car insurance prices?

How much is auto insurance?

There are multiple methods to compare auto insurance prices but there is one way that is less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with insurance companies in your area, or you could use online quotes to get prices fast.

Most of the best insurance companies belong to a marketplace where prospective buyers send in one quote, and every company can provide price quotes based on that information. This system prevents you from having to do repetitive form submissions to each company. To find out how much you can save on auto insurance click here (opens in new window).

The one disadvantage to using this type of system is buyers cannot specifically choose the insurers to get pricing from. So if you prefer to pick from a list of companies to compare, we have assembled a list of auto insurance companies in your area. Click here to view list.

Take whichever approach you prefer, but make absolute certain that you use nearly identical information with every price quote. If the quotes have higher or lower deductibles it’s not possible to make a fair comparison for your Pontiac Vibe. Even a minor difference in insurance coverages or limits can make a big difference in price. And when quoting auto insurance, remember that making a lot of price comparisons helps locate a better price.

Advertising and insurance

Big name companies like Progressive, Allstate and Geico continually stream ads on television and other media. All the ads try to convey promises that you’ll save big after switching your policy. How is it possible that every company can give you a lower rate? It’s all in how they say it.

Companies quote their cheapest rates for the driver that will be a good risk. For instance, a desirable insured might have to be between the ages of 30 and 45, insures multiple vehicles, and has great credit. Any customer that fits those parameters will qualify for the lowest rates and will also cut their rates substantially.

Consumers who don’t meet these stringent criteria will probably be forced to pay a higher premium which usually ends up with the customer not purchasing. The ads say “drivers who switch” not “everybody who quotes” save that much. That’s why insurance companies can make claims that they all have the best prices.

This really illustrates why you really should compare quotes as often as possible. It’s just not possible to know which insurance companies will give you lower premium rates than your current company.

Discounts for cheaper insurance coverage rates

Insuring your vehicles can cost a lot, but you may be missing some discounts that could drop your premiums quite a bit. A few discounts will automatically apply when you purchase, but lesser-known reductions have to be asked for before they will apply. If you check and find you aren’t receiving every discount you qualify for, it’s possible you qualify for a lower rate.

• College Student – who are attending college and do not have access to a covered vehicle may be insured at a cheaper rate.
• Seat Belt Discounts – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
• Drive Less and Save – Keeping the miles down on your Pontiac may enable drivers to earn cheaper prices.
• Discounts for New Vehicles – Insuring a new car can get you a discount because new model year vehicles keep occupants safer.
• Professional Organizations – Affiliation with a professional or civic organization could qualify you for a break on your bill.
• Braking Control Discount – Cars, trucks, and SUVs with ABS braking systems or traction control prevent accidents and the ABS can save up to 10%.
• Safe Drivers – Safe drivers can save up to 40% or more on their insurance quote for Vibe coverage as compared to drivers with claims.
• Bundled Policy Discount – If you have multiple policies and insure them both with the same insurance company you could get a discount of up to 20% and get you cheap insurance.
• One Accident Forgiven – Not necessarily a discount, but some companies like Allstate, Progressive, and Geico may permit one accident before raising your premiums with the catch being you have to be claim-free prior to being involved in the accident.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course if it’s offered in school.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Some only reduce specific coverage prices like collision or personal injury protection. So when it seems like you can get free auto insurance, insurance coverage companies aren’t that generous.

Companies and a selection of discounts are detailed below.

• Farmers Insurance has discounts for early shopping, teen driver, switch companies, alternative fuel, and bundle discounts.
• State Farm offers discounts including good driver, Steer Clear safe driver discount, multiple autos, safe vehicle, and anti-theft.
• Liberty Mutual includes discounts for multi-car, preferred payment discount, new vehicle discount, hybrid vehicle, and exclusive group savings.
• MetLife may have discounts that include defensive driver, claim-free, accident-free, good driver, and good student.
• Progressive policyholders can earn discounts including multi-policy, good student, multi-vehicle, online signing, online quote discount, continuous coverage, and homeowner.

If you want cheap insurance quotes, ask all companies you are considering which discounts you may be entitled to. Discounts might not apply in your area.

Tailor your insurance coverage to you

When it comes to choosing coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s needs are different.

These are some specific questions could help you determine if you might need an agent’s assistance.

• How high should my medical payments coverage be?
• How much underlying liability do I need for an umbrella policy?
• Does liability extend to a camper or trailer?
• Should I have combined single limit or split liability limits?
• Am I covered when driving in Canada or Mexico?
• Where can I find high-risk insurance?
• Do I need rental car coverage?
• Do I have coverage for damage caused while driving under the influence?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form.

Insurance coverages 101

Learning about specific coverages of insurance helps when choosing the best coverages for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as chiropractic care, nursing services, doctor visits, ambulance fees and rehabilitation expenses. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Pontiac Vibe.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Auto collision coverage

This 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 coverage protects against claims like driving through your garage door, crashing into a ditch, backing into a parked car and sideswiping another vehicle. 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 choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix 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 like hitting a bird, damage from getting keyed and a tree branch falling on your vehicle. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for liability

This can cover damage that occurs to other people or property by causing an accident. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as medical expenses, medical services and emergency aid. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

In any little way, save everyday

We covered some good ideas how to shop for 2010 Pontiac Vibe insurance online. The key concept to understand is the more companies you get premium rates for, the better likelihood of getting cheap insurance. Drivers may discover the best price on insurance coverage is with a small local company.

When you buy insurance online, do not buy poor coverage just to save money. In many instances, an insured cut comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. The aim is to get the best coverage possible at the best cost, but do not skimp to save money.

Consumers change insurance companies for a variety of reasons including high rates after DUI convictions, extreme rates for teen drivers, not issuing a premium refund and even high prices. Regardless of your reason for switching companies, finding a new company is pretty simple and you could end up saving a buck or two.

More resources

• Older Driver Statistics (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Side Impact Crash Tests (iihs.org)
• Bodily Injury Coverage (Liberty Mutual)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)