How Much Does 2007 Pontiac Vibe Car Insurance Cost?

Searching for better insurance coverage rates for your Pontiac Vibe? Locating better insurance prices for your Pontiac Vibe could be a painful process, but you can learn a few tricks to find lower rates. There are both good and bad ways to find insurance coverage online so you’re going to learn the proper way to get price quotes for a new or used Pontiac and find the lowest price either online or from local insurance agents.

Consumers need to do rate comparisons occasionally since insurance rates are usually higher with each renewal. Even if you got the best deal for Vibe insurance a few years ago a different company probably has better rates today. Block out anything you think you know about insurance coverage because you’re about to learn the fastest way to find the best coverage while lowering your premiums.

If you are insured now or are looking for a new policy, you can use these techniques to shop for the lowest rates and possibly find even better coverage. Buying affordable protection is easy if you know what you’re doing. Drivers only need to know the tricks to shop their coverage around online.

Which Car Insurance is Cheapest?

Performing a rate comparison is a ton of work if you don’t utilize the most efficient way to do it. You could waste time talking about coverages with insurance companies in your area, or you could save time and use the internet for quick rates.

Most car insurance companies enroll in a system where prospective buyers submit their information once, and at least one company returns a competitive quote based on that data. This eliminates the need for quotation requests to each company.

To find out how much you can save on car insurance click here (opens in new window).

The only drawback to using this type of form is you are unable to specify the companies to get pricing from. If you prefer to choose specific insurance companies to request quotes from, we have a listing of low cost car insurance companies in your area. Click here to view list.

Whichever way you use, make sure you use exactly the same coverage information with each company. If the quotes have different deductibles it’s not possible to truly determine the lowest rate.

Can you really save that much by switching?

Consumers get pounded daily by advertisements that promise big savings from the likes of Allstate and Progressive. All the companies have a common claim of big savings after switching your coverage to them.

How can each company claim to save you money?

All the different companies are able to cherry pick for the right customer that is profitable for them. For example, a driver they prefer might be profiled as between the ages of 30 and 50, insures multiple vehicles, and chooses high deductibles. A customer that hits that “sweet spot” is entitled to the best price and as a result will probably save quite a bit of money when switching.

Drivers who don’t qualify for this ideal profile will be quoted higher premiums and this can result in business not being written. Company advertisements say “customers who switch” not “everyone that quotes” save money. That’s the way insurance companies can confidently state the savings. This emphasizes why it’s extremely important to get a wide range of price quotes. Because you never know which company will have the lowest Pontiac Vibe insurance rates.

Complexity of Pontiac Vibe insurance rates

Smart consumers have a good feel for the factors that help determine insurance coverage rates. When you know what positively or negatively determines base rates allows you to make educated decisions that will entitle you to big savings.

  • Increase deductibles and save – The deductibles define the amount you are willing to pay if you file a covered claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims could be running into the backend of another car, collision with an animal, and burglary. The more you have to pay, the less your insurance coverage will be for Vibe insurance.
  • Rates may be higher depending on your occupation – Occupations like doctors, executives and dentists tend to have the highest average rates in part from high stress and lots of time spent at work. Other jobs such as actors, historians and retirees receive lower rates for Vibe insurance.
  • Where you live – Living in small towns and rural areas can save you money when it comes to insurance coverage. Lower population means fewer accidents and a lower car theft rate. Urban drivers have to deal with traffic congestion and much longer commute distances. More time on the road can result in more accidents.
  • Frequent insurance coverage claims increase rates – Companies award discounts to drivers who do not rely on their insurance for small claims. If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings tend to have better insurance rates. The safest vehicles reduce injuries and better occupant protection means less money paid by your insurance company and lower rates for you. If your Pontiac Vibe is rated at least four stars on you may qualify for a discount.
  • Careful drivers pay lower rates – Careful drivers receive lower rates compared to drivers with tickets. Just one citation can boost insurance rates by as much as thirty percent. Drivers with flagrant tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 form to the state department of motor vehicles in order to keep their license.

Don’t miss these discounts

Companies don’t always list all their discounts in an easy-to-find place, so we took the time to find both the well known and the more hidden savings tricks you should be using. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • New Car Discount – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you may save up to 20% off your total premium.
  • Payment Method – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Club Memberships – Participating in certain professional organizations may earn a discount on your policy for Vibe insurance.
  • Driver Safety – Completing a defensive driving course could save 5% or more depending on where you live.
  • Life Insurance – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Sign Early and Save – A few companies offer discounts for buying a policy before your current expiration date. It can save you around 10%.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Some only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like it’s possible to get free car insurance, insurance companies aren’t that generous.

To see a list of providers who offer insurance discounts, click here to view.

When might I need help?

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Each situation is unique.

For example, these questions could help you determine if your situation might need professional guidance.

  • What are the financial responsibility laws in my state?
  • Am I covered by my spouse’s policy after a separation?
  • When can my company non-renew my policy?
  • What is high-risk coverage and where do I buy it?
  • What discounts do I qualify for?
  • Where can I find high-risk insurance?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form. It is quick, free and can help protect your family.

Auto insurance coverages

Learning about specific coverages of car insurance can be of help when determining appropriate coverage for your vehicles. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for immediate expenses for surgery, EMT expenses, hospital visits and doctor visits. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverage – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, rock chips in glass, theft and hitting a deer. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage – Collision insurance covers damage to your Vibe from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a mailbox, rolling your car, crashing into a ditch, backing into a parked car and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Liability coverages – Liability coverage protects you from damage that occurs to other people or property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like bail bonds, medical services, court costs, loss of income and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Save your hard earned cash

Cost effective 2007 Pontiac Vibe insurance is definitely available both online and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. There are still a few companies who may not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

You just learned many tips how you can get a better price on insurance. The key concept to understand is the more providers you compare, the higher your chance of finding lower rates. You may even find the lowest rates come from some of the lesser-known companies.

Insureds who switch companies do it for a variety of reasons including high rates after DUI convictions, delays in responding to claim requests, lack of trust in their agent and high prices. Whatever your reason, finding a new company can be pretty painless.

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