Lower Your 2005 Pontiac Vibe Insurance Rates

Trying to find the cheapest auto insurance rates for your Pontiac Vibe? Have you had enough of paying out the nose to insure your Pontiac every month? You are in the same boat as many other drivers.

Companies like Geico and Progressive continually bombard you with catchy ads and it can be hard to ignore the propoganda and do the work needed to find the best deal.

If you are paying for car insurance now, you should be able to lower your premiums substantially using these tips. Finding the best rates is not that difficult. But consumers must comprehend how the larger insurance companies sell online and apply this information to your search.

Quick Insurance Quotes

The are a couple different ways to compare rate quotes from different insurance companies. The best method to find the lowest 2005 Pontiac Vibe rates is to perform an online rate comparison. This can be done in a couple of different ways.

1. The most efficient way to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This method saves time by eliminating a different quote for every insurance company. A single form gets rate comparisons from many national carriers.
2. A more time consuming way to get comparison quotes requires a visit to each company’s website to complete a price quote. For sake of this example, let’s assume you want to compare rates from Allstate, Liberty Mutual and American Family. To get rate quotes you would need to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular.

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

Which method you use is up to you, but ensure you are comparing identical coverages and limits on every quote. If you use differing limits it’s not possible to determine which rate is truly the best. Slightly different coverage limits may cause a big price difference. It’s important to know that comparing a large number of companies will improve the odds of getting a lower rate.

You are unique and your car insurance should be too

When buying the best car insurance coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions could help you determine if you could use an agent’s help.

• How do I insure my teen driver?
• Does my 2005 Pontiac Vibe need full coverage?
• Do I need replacement cost coverage on my 2005 Pontiac Vibe?
• What vehicles should carry emergency assistance coverage?
• Is a blown tire covered by insurance?
• Do I need more liability coverage?
• What discounts do I qualify for?
• Do I need to file an SR-22 for a DUI in my state?
• How can I force my company to pay a claim?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Auto insurance coverage basics

Having a good grasp of your auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from auto insurance companies.

Collision coverage – Collision coverage will pay to fix damage to your Vibe resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a mailbox, sustaining damage from a pot hole, rolling your car, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for expenses like ambulance fees, hospital visits, rehabilitation expenses and prosthetic devices. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage – This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a broken windshield, hitting a bird, theft and falling objects. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability car insurance – This coverage can cover damage that occurs to other people or property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which stand for 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 coverage protects against things like legal defense fees, repair costs for stationary objects and medical expenses. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Pontiac Vibe.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.