Lower Your 2009 Pontiac Vibe Insurance Rates

Want cheaper insurance coverage rates for your Pontiac Vibe? No one in their right mind cherishes buying insurance coverage, particularly when the cost is way too high.

With so many companies to choose from, it’s nearly impossible to choose the most cost effective insurer.

Comprehensive Auto Insurance Comparison Quotes

When shopping for auto insurance there are multiple ways to compare rate quotes from local auto insurance companies. The fastest way to compare 2009 Pontiac Vibe insurance prices involves getting comparison quotes online. This is very easy and can be done using a couple different methods.

Probably the best way consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This form saves time by eliminating a different quote for each company you want a rate for. A single, simple form will get you rate comparisons from multiple companies.

Another way to compare prices requires a visit to each company website and fill out their own quote form. For instance, we’ll pretend you want comparison quotes from USAA, Liberty Mutual and American Family. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.

For a list of links to insurance companies in your area, click here.

It’s your choice how you get your quotes, but make sure you use identical deductibles and coverage limits for every quote you compare. If the quotes have differing limits it will be impossible to determine the best price for your Pontiac Vibe. Just a small difference in coverage limits can make a big difference in price. Keep in mind that getting more free quotes provides better odds of finding a better price.

Pontiac Vibe insurance rates can be determined by these details

An important part of buying insurance is that you know some of the elements that play a part in calculating your insurance rates. Knowing what determines base rates allows you to make educated decisions that may reward you with big savings.

Shown below are a partial list of the pieces companies use to determine rates.

  • A lapse in coverage is a bad thing – Driving your car without having proper coverage is a misdemeanor and your next policy will cost more because you let your insurance expire. And not only will your rates increase, but not being able to provide proof of insurance might get you a license revocation or jail time.
  • Sex matters – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Women and men cause accidents at about the same rate, but the males cause more damage. They also get cited for more serious violations such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and are penalized with high insurance rates.
  • Where you reside plays a part – Choosing to live in small towns and rural areas can be a good thing when buying insurance. Urban drivers tend to have much more traffic and longer commute times. Fewer people means fewer accidents.
  • Small claims can cost you – Insurance companies provide cheaper rates to people who do not file claims often. If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Protect yourself with liability coverage – Liability insurance is the protection in the event that you are found liable for damages caused by your negligence. It will provide for a legal defense which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.
  • Equipment add-ons that lower insurance rates – Owning a car with an alarm system can help lower your rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft.

Policy discounts you shouldn’t miss

Companies offering auto insurance do not advertise all their discounts very clearly, so we researched some of the best known and the harder-to-find discounts you could be receiving.

  • Good Student – A discount for being a good student can save 20 to 25%. The discount lasts until age 25.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks simply for signing over the internet.
  • Discount for Swiching Early – Some companies give discounts for switching policies prior to your current policy expiring. The savings is around 10%.
  • Auto/Life Discount – Larger companies have a discount if you purchase a life insurance policy as well.
  • Bundle and Save – If you insure your home and vehicles with one company you may save 10% to 20% off each policy.
  • Organization Discounts – Belonging to a civic or occupational organization may earn a discount when buying auto insurance for Vibe coverage.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.

Consumers should know that some of the credits will not apply to the entire policy premium. Most cut the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you could get a free auto insurance policy, companies don’t profit that way.

Car insurance companies that may have some of the above discounts are:

Double check with all companies you are considering which discounts you may be entitled to. Savings may not apply in every state.

Insurance agents can help

When it comes to buying the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique so this has to be addressed. For instance, these questions can aid in determining if you would benefit from professional advice.

  • Am I covered when driving a rental car?
  • How high should my medical payments coverage be?
  • Is upholstery damage covered by car insurance?
  • What happens if I owe more than my 2009 Pontiac Vibe is worth?
  • Do I have any recourse if my insurance company denies a claim?
  • Is business equipment covered while in my vehicle?
  • Which companies will insure high-risk drivers?
  • Should I have combined single limit or split liability limits?
  • Do I need rental car coverage?
  • Do I need motorclub coverage?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Car insurance coverage options for a 2009 Pontiac Vibe

Knowing the specifics of a car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages available from car insurance companies.

Comprehensive or Other Than Collision

This covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hail damage, damage from a tornado or hurricane, vandalism and a broken windshield. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like hospital visits, ambulance fees, doctor visits and dental work. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability insurance

This will cover damage or injury you incur to a person or their property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like medical services, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 2009 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage

This will pay to fix damage to your Vibe resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with another moving vehicle, hitting a parking meter, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Shop around and save

When you buy insurance online, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, an accident victim reduced uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage at a price you can afford.

We just presented quite a bit of information on how to reduce 2009 Pontiac Vibe insurance prices online. The key thing to remember is the more quotes you get, the better chance you’ll have of finding lower rates. Consumers may even find the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Geico and State Farm.

Affordable insurance is possible on the web and with local insurance agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who do not offer online price quotes and most of the time these smaller companies sell through independent agents.

Additional insurance coverage information is available below: