2003 Pontiac Vibe Car Insurance Cost

Searching for lower auto insurance rates? Consumers have options when looking for the best price on Pontiac Vibe insurance. They can either waste time calling around trying to get quotes or leverage the internet to make rate comparisons. There is a better way to find auto insurance online so you’re going to learn the proper way to compare rates for a new or used Pontiac and get the best price possible from local insurance agents and online providers.

Consumers need to get comparison quotes yearly because prices change quite often. Even if you got the best rates for Vibe coverage last year there may be better deals available now. So block out anything you think you know about auto insurance because you’re going to learn the best methods to remove unneeded coverages and save money.

Take advantage of discounts

Car insurance companies don’t always publicize all their discounts in a way that’s easy to find, so here is a list both well-publicized and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Accident Waiver – A few companies allow you one accident before your rates go up if your claims history is clear prior to the accident.
  • Save with a New Car – Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Sign Online – Certain companies will discount your bill up to fifty bucks for buying your policy on their website.
  • No Accidents – Claim-free drivers can save substantially compared to bad drivers.
  • Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for Vibe coverage depending on your company.
  • Sign Early and Save – Select companies give a discount for switching to them prior to your current policy expiration. It can save you around 10%.
  • Save over 55 – If you qualify as a senior citizen, you may receive better car insurance rates for Vibe coverage.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. Some only apply to specific coverage prices like liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, car insurance companies aren’t that generous.

Companies who might offer these benefits include:

Double check with every prospective company how you can save money. Discounts may not apply in your area.

Some factors that can determine what Pontiac Vibe insurance costs

It’s important that you understand the factors that help determine your auto insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that can help you get much lower annual insurance costs.

The following are some of the items that factor into your rates.

  • Men are more aggressive – Statistics have proven women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. They both tend to get into accidents in similar numbers, but the men have costlier accidents. Men also statistically get cited for more serious violations like DUI and reckless driving. Teenage male drivers are several times more likely to be in an accident and are penalized with high auto insurance rates.
  • Your job and insurance rates – Careers like doctors, architects and accountants tend to pay higher rates than average attributed to high stress and lengthy work days. On the flip side, occupations like actors, athletes and retirees have the lowest average rates for Vibe coverage.
  • Lower rates with optional equipment – Driving a car with a theft deterrent system can help lower your rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
  • A lapse in coverage is a bad thing – Having an insurance coverage lapse is a fast way to trigger a rate increase. And not only will insurance be more expensive, but being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.

How to know if you need help

When it comes to choosing adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Every insured’s situation is different.

For example, these questions may help you determine whether you would benefit from professional advice.

  • I have a DUI can I still get coverage?
  • What is the rate difference between pleasure use and commuting?
  • What are the best liability limits?
  • Is my 2003 Pontiac Vibe covered for flood damage?
  • Is my teenager covered with friends in the car?
  • Can my babysitter drive my car?
  • Does coverage extend to a rental car in a foreign country?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Are you falling for claims of savings?

Consumers can’t get away from ads for cheaper car insurance from the likes of State Farm, Allstate and Geico. They all say the same thing of big savings if you change your coverage to them.

But how can every company claim to save you money?

All companies can use profiling for the type of customer that earns them a profit. For instance, a profitable customer could possibly be over the age of 50, a clean driving record, and has great credit. Any driver that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save when they switch companies.

Potential insureds who do not match the requirements will be charged a more expensive rate and this can result in business going elsewhere. Company advertisements say “people who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can advertise the way they do. That is why drivers should quote coverage with many companies. You cannot predict the company that will fit your personal profile best.

Auto insurance coverage information

Having a good grasp of your car insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like rock chips in glass, a tree branch falling on your vehicle, damage from a tornado or hurricane, a broken windshield and theft. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2003 Pontiac Vibe.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like EMT expenses, prosthetic devices, pain medications and surgery. They are utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage


This coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as emergency aid, attorney fees, pain and suffering, structural damage and loss of income. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Collision coverage protection

This pays for damage to your Vibe resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like damaging your car on a curb, sideswiping another vehicle, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Make an honest buck

Affordable 2003 Pontiac Vibe insurance can be purchased on the web and with local insurance agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

We just presented a lot of information how to get a better price on insurance. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. Consumers could even find that the most savings is with some of the smallest insurance companies.

When shopping online for car insurance, do not sacrifice coverage to reduce premiums. Too many times, an insured cut liability limits or collision coverage only to regret at claim time that the small savings ended up costing them much more. Your strategy should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

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