Cheaper 2009 Pontiac Vibe Car Insurance Quotes

Looking for the cheapest auto insurance rates for your Pontiac Vibe? Are you tired of not being able to afford each month for car insurance? You’re in the same situation as many other consumers.

Drivers have multiple insurance companies to choose from, and although it’s nice to have a selection, too many choices makes it more difficult to adequately compare rates.

Consumers need to get comparison quotes on a regular basis since rates change frequently. Even if you think you had the best rates for Vibe insurance last year you will most likely find a better rate today. There is a lot of bad information regarding auto insurance on the internet, so I’m going to show you some good information on how to reduce your auto insurance bill.

Finding the best rates is easy if you know what you’re doing. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these methods. But consumers must learn how insurance companies compete online and apply this information to your search.

Cheap Insurance Coverage Comparisons

To find the best insurance coverage prices, there are several ways to compare quotes from different insurance companies. One of the best ways to find competitive 2009 Pontiac Vibe insurance rates consists of obtaining rate quotes online. This can be accomplished using a couple different methods.

The single most time-saving way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for repetitive form submissions for each company. Just one form gets rate comparisons direct from many companies.

A harder way to find lower rates requires a visit to the website of each company and fill out their own quote form. For examples sake, we’ll pretend you want to compare rates from Farmers, 21st Century and Allstate. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why most consumers use the first method.

For a handy list of car insurance company links in your area, click here.

The least recommended way of getting rate comparisons is to spend time driving to local insurance agencies. The ability to buy insurance online makes this process obsolete unless you want the professional guidance of a licensed agent. It is possible to compare online quotes but still have the advice of a local agent and we’ll touch on that later.

It’s your choice how you get your quotes, but ensure you’re using the exact same deductibles and coverage limits for each price quote. If you enter unequal deductibles or liability limits it will be next to impossible to truly determine the lowest rate. Quoting even small variations in coverages can result in a big premium difference. And when comparing insurance coverage rates, know that comparing a large number of companies gives you a better chance of getting lower pricing.

Are insurance companies telling the truth?

Insurance providers like Progressive, Allstate and Geico consistently run ads on TV and radio. They all make an identical promise of big savings if you change your policy. How can each company make the same claim?

All the different companies have a preferred profile for the driver that is profitable for them. For example, a preferred risk might be over the age of 50, owns a home, and has excellent credit. A customer getting a price quote who matches those parameters will get very good rates and is almost guaranteed to save when switching.

Drivers who don’t measure up to this ideal profile will have to pay higher prices which usually ends up with the driver buying from a lower-cost company. The ads say “customers that switch” but not “drivers who get quotes” save that much money. That’s the way insurance companies can advertise the savings. Because of the profiling, drivers must compare as many rates as you can. It’s just too difficult to predict which insurance company will give you the biggest savings on Pontiac Vibe insurance.

These discounts can slash car insurance rates

Car insurance companies don’t always list every available discount in a way that’s easy to find, so we took the time to find some of the best known as well as the least known discounts you could be receiving.

  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Defensive Driving Course – Successfully completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% for Vibe insurance depending on your company.
  • Distant Student – Any of your kids who live away from home without a vehicle on campus may be able to be covered for less.

Keep in mind that many deductions do not apply the the whole policy. Some only reduce specific coverage prices like comprehensive or collision. Just because it seems like it’s possible to get free car insurance, companies don’t profit that way.

Companies that possibly offer these benefits are:

Double check with each insurance company what discounts are available to you. Some discounts may not be available everywhere.

When might I need the advice of an agent?

When it comes to choosing proper insurance coverage, there really is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if you might need an agent’s assistance.

  • What are the best liability limits?
  • Can I rate high risk drivers on liability-only vehicles?
  • How does medical payments coverage work?
  • Does my insurance cover my expensive audio equipment?
  • Does insurance cover damages from a DUI accident?
  • Which is better, split liability limits or combined limits?
  • Is my dog or cat covered if injured in an accident?
  • Do I need roadside assistance coverage?
  • Am I covered if hit by an uninsured driver?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Car insurance coverage information

Learning about specific coverages of a auto insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. These are the usual coverages offered by auto insurance companies.

Liability coverage – This coverage can cover damage that occurs to other people or property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like medical services, funeral expenses and emergency aid. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Pontiac Vibe.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a broken windshield, a tree branch falling on your vehicle, vandalism, theft and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverages – Collision insurance covers damage to your Vibe resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sideswiping another vehicle, sustaining damage from a pot hole, scraping a guard rail, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Medical expense insurance – Med pay and PIP coverage reimburse you for immediate expenses such as hospital visits, funeral costs, X-ray expenses, nursing services and dental work. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Get your money’s worth

We covered a lot of ways to shop for 2009 Pontiac Vibe insurance online. The most important thing to understand is the more companies you get rates for, the better your comparison will be. You may even discover the biggest savings come from some of the smallest insurance companies. They may cover specific market segments cheaper than their larger competitors like Geico and State Farm.

When shopping online for insurance, it’s very important that you do not buy less coverage just to save a little money. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to regret at claim time that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Lower-priced insurance is definitely available on the web and with local insurance agents, so compare prices from both in order to have the best chance of saving money. There are still a few companies who do not offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

Much more information about insurance is located at the links below