Consumers Find How to Pay Less for Pontiac Vibe Insurance

No sane person loves paying for auto insurance, especially when they know it costs too dang much. Big-name insurance companies like State Farm and GEICO constantly blast consumers with advertising and it can be hard to ignore the propoganda and do the work needed to find the best deal.

It’s a great practice to quote other rates occasionally because prices are adjusted regularly by insurance companies. Even if you think you had the lowest rates on Vibe coverage two years ago you can probably find a lower rate today. Ignore everything you know about auto insurance because you’re about to find out the only way to get good coverage at a lower rate.

How Your Vibe Insurance Premiums are Determined

Lots of things are part of the calculation when quoting car insurance. Some factors are common sense such as your driving record, although others are more obscure such as whether you are married and annual miles driven.

Performance makes a difference – The performance of the car, truck or SUV you need to insure makes a substantial difference in your auto insurance rates. Because the Pontiac Vibe is considered a compact car, insurance will be the same to a little lower compared to average rates. Smaller low performance passenger cars receive the most favorable rates, but the cost you end up paying is determined by many additional factors.
The more you drive the more you pay – The more you drive in a year’s time the more you’ll pay to insure it. A lot of companies charge rates determined by how the vehicle is used. Autos that are left in the garage qualify for better rates than vehicles that are driven to work every day. Incorrect rating for your Vibe is just wasting money. It’s a smart idea to ensure your vehicle rating correctly shows the correct driver usage, because improper ratings can cost you money.
Liability is important – Your auto insurance policy’s liability coverage will protect you in the event that you are responsible for an accident. Liability provides legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.
Alarm systems lowers auto insurance rates – Selecting a car model with advanced anti-theft systems can save you a little every year. Advanced theft deterrents such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping car theft and help bring rates down.
Your location is a factor – Having an address in smaller towns and rural areas of the country may provide you with better prices when trying to find low car insurance rates. People in densly populated areas regularly have congested traffic and longer commute times. Fewer drivers and short commutes means a lower chance of having an accident and lower theft and vandalism rates.
Safety ratings are a factor – Cars with five star safety ratings cost less to insure. These vehicles help reduce the chance of injuries in an accident and better occupant protection means your insurance company pays less and lower rates for you. If the Pontiac Vibe scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

Auto insurance policy discounts

Not too many consumers would say auto insurance is affordable, but you might already qualify for some discounts that could drop your premiums quite a bit. Certain discounts will be applied when you get a quote, but some discounts are required to be specifically requested before you will receive the discount.

Bundle and Save – If you combine your auto and home policies and insure them both with the same insurance company you will save 10% to 20% off each policy.
Defensive Driver – Passing a course that instructs on driving safety could earn you a small percentage discount and easily pay for the cost of the class.
55 and Retired – Seniors may be able to get lower premium rates on Vibe coverage.
Accident Forgiveness – but certain companies will let one accident slide without raising rates so long as you haven’t had any claims for a specific time period.
Include Life Insurance and Save – Auto insurance companies who offer life insurance give better rates if you take out some life insurance in addition to your auto policy.
Service Members Pay Less – Having a family member in the military may lower your rates slightly.
Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
New Vehicle Savings – Buying a new car instead of a used car can be considerably cheaper compared to insuring an older model.
More Vehicles More Savings – Buying coverage for multiple vehicles with the same auto insurance company can reduce rates for all insured vehicles.

Keep in mind that some of the credits will not apply to your bottom line cost. Most only cut the cost of specific coverages such as comp or med pay. So even though it sounds like all those discounts means the company will pay you, it’s just not the way it works.

A few companies that possibly offer most of the discounts above include:

When quoting, ask each insurance company the best way to save money. A few discounts may not be available in your area. To find auto insurance companies that offer multiple discounts, click this link.

Insurance agents can give valuable advice

Many people would prefer to go talk to an agent and that is recommended in a lot of cases The best thing about comparing insurance prices online is the fact that drivers can get cheap rate quotes and still have a local agent. Buying from and supporting small agencies is definitely important in smaller towns.

For easy comparison, once you complete this quick form, your insurance coverage information is submitted to local insurance agents who will give competitive quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to find an agent on your own since price quotes are sent to you instantly. Get lower rates and a licensed agent to work with. If you have a need to get a price quote for a specific company, you just need to find their quoting web page and fill out their quote form.

If you want to buy auto insurance from a local insurance agent, it helps to know the two types of insurance agents and how they differ in how they quote coverages. agents are classified as either independent or captive depending on the company they work for.

Independent Auto Insurance Agencies

Agents in the independent channel are not required to write business for one company and that is an advantage because they can write policies through many different auto insurance companies and get the cheapest rates. To transfer your coverage to a different company, your agent can switch companies and you can keep the same agent.

When comparing auto insurance prices, you need to include price quotes from independent agents to maximize your price options.

Captive Insurance Agencies

Captive agencies have only one company to place business with such as Farmers Insurance and State Farm. These agents are not able to provide rate quotes from other companies so you might not find the best rates. Captives are well trained on their products and sales techniques which aids in selling service over price.

To choose from agencies near you, click to find a local auto insurance agent.

Selecting a insurance agent shouldn’t rely on just a cheap price quote. A good agent will have answers to these questions.

Which companies do they recommend if they are an independent agency?
How long has the business existed?
Is the agency covered by Errors and Omissions coverage?
What will you get paid if your car is a total loss? How is that amount determined?
Are you getting all the discounts the company offers?

Once you have received satisfactory answers to any questions you have in addition to an acceptable price estimate, you’ve probably found an insurance agent that will adequately provide auto insurance.

Cheaper auto insurance is a realistic goal

When shopping online for auto insurance, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced uninsured motorist or liability limits only to find out that it was a big error on their part. Your focus should be to find the BEST coverage at the best cost.

We just showed you quite a bit of information on how to lower your Pontiac Vibe insurance rates. The key thing to remember is the more you , the better your chances of lowering your car insurance rates. Drivers may discover the best rates are with a company that doesn’t do a lot of advertising. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.