Cheap 2004 Pontiac Vibe Insurance Rates

Searching for cheaper insurance coverage rates for your Pontiac Vibe? Finding the best price on insurance coverage may seem to be difficult if you are a beginner to quoting online. But relax because finding affordable coverage online is easier than you think.

Pontiac Vibe premiums are determined by many factors

Smart consumers have a good feel for some of the elements that help determine insurance coverage rates. Understanding what influences your rates helps enable you to make changes that could result in big savings.

The following are a few of the “ingredients” that factor into premiums.

  • Little extras can really add up – There are many add-on coverages that can waste your money if you aren’t careful. Insurance for vanishing deductibles, accident forgiveness and term life insurance may be wasting your money. These may sound like a good investment initially, but if they’re wasting money eliminate the coverages to reduce your premium.
  • More people means more accidents – Choosing to live in less populated areas can be a good thing when talking about insurance coverage. Lower population means a lower chance of having an accident and a lower car theft rate. Drivers in populated areas have much more traffic to deal with and longer commute times. More time commuting means higher likelihood of an accident.
  • Allowing your policy to lapse raises rates – Allowing your coverage to lapse will be a guaranteed way to increase your insurance coverage rates. Not only will rates go up, but being ticketed for driving with no insurance will get you a revoked license or a big fine.
  • Do you know your deductibles? – The deductibles define the amount you are willing to pay if you file a covered claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims are running into the backend of another car, collision with an animal, and windstorm damage. The more expense you’re willing to pay, the less your company will charge you for insurance for Vibe coverage.
  • Theft deterrents lower rates – Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your insurance coverage. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.

Are you getting all your discounts?

Auto insurance companies do not advertise every available discount very clearly, so we took the time to find some of the more common and also the lesser-known auto insurance savings.

  • Federal Employees – Active or retired federal employment can earn a discount up to 10% for Vibe coverage with select insurance companies.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can get savings of 20% or more.
  • Bundle and Save – When you have multiple policies with the same company you may save approximately 10% to 15%.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.
  • Resident Student – Youth drivers living away from home attending college and don’t have a car can receive lower rates.
  • Claim Free – Claim-free drivers pay much less when compared to bad drivers.
  • Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for Vibe coverage than drivers with accident claims.

Consumers should know that many deductions do not apply to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, companies wouldn’t make money that way.

A partial list of companies that may offer some of the above discounts include:

Double check with each company which discounts you may be entitled to. All car insurance discounts might not apply everywhere.

Save $416 a year. For real?

Companies like Progressive, Geico, Allstate and State Farm regularly use television and radio advertisements. All the ads have a common claim that you can save if you move your coverage to them. How can each company make almost identical claims?

Insurance companies have a certain “appetite” for the driver they prefer to insure. A good example of a profitable customer might be profiled as a mature driver, owns a home, and drives newer vehicles. Any driver who meets those qualifications receives the best rates and as a result will probably cut their rates substantially.

Potential customers who fall outside the “perfect” profile must pay higher rates which usually ends up with business not being written. Company advertisements say “customers who switch” not “everyone that quotes” save that kind of money. This is how insurance companies can advertise the way they do. This illustrates why it’s extremely important to compare as many rates as you can. It’s not possible to predict the company that will have the lowest Pontiac Vibe insurance rates.

When might I need an agent?

When buying proper insurance coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different.

For instance, these questions can help discover if you might need an agent’s assistance.

  • When do I need to add a new car to my policy?
  • Why am I required to buy high-risk coverage?
  • Am I covered when pulling a rental trailer?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • When should I remove comp and collision on my 2004 Pontiac Vibe?
  • Are my tools covered if they get stolen from my vehicle?
  • Where can I find high-risk insurance?
  • Should I carry comprehensive and collision coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Detailed coverages of your car insurance policy

Knowing the specifics of car insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Collision insurance

Collision coverage pays for damage to your Vibe caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as rolling your car, sustaining damage from a pot hole, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Liability auto insurance

This protects you from damages or injuries you inflict on other’s property or people. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as structural damage, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like surgery, pain medications, EMT expenses and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Comprehensive or Other Than Collision

This covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, theft, vandalism and hail damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Pontiac Vibe.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Be a penny pincher

We just presented a lot of information how to lower your 2004 Pontiac Vibe insurance rates. The most important thing to understand is the more rate quotes you have, the higher your chance of finding lower rates. You may even discover the best price on car insurance is with a lesser-known regional company.

Insureds change insurance companies for a variety of reasons including high rates after DUI convictions, policy non-renewal, being labeled a high risk driver or even delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new company is pretty easy and you might even save some money in the process.

Cost effective insurance is possible both online as well as from independent agents, and you should compare price quotes from both to have the best selection. Some car insurance companies don’t offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

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