Save on 2003 Pontiac Vibe Insurance Rates

Looking for lower car insurance rates? Shoppers have lots of choices when shopping for low-cost Pontiac Vibe insurance. You can either waste hours struggling with agents to get rate comparisons or save time using the internet to find the lowest rates.

There is a better way to compare car insurance rates and we’ll show you the best way to compare rates for your Pontiac and locate the cheapest rates from local insurance agents and online providers.

You should take the time to compare premium rates periodically because insurance prices are constantly changing. Even if you got the lowest rates for Vibe insurance a year ago there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about car insurance because we’re going to show you the tricks you need to know to properly buy coverages and cut your premium.

If you have a policy now or need a new policy, you can use these techniques to shop for the lowest rates while maintaining coverages. The purpose of this article is to tell you the most effective way to quote insurance and some tricks to saving. Drivers just need to know the tricks to compare rates over the internet.

The fastest way that we advise to compare rates is to know the fact auto insurance companies pay for the opportunity to give free rates quotes. To begin a comparison, all you need to do is give the companies some data such as the make and model of your vehicles, whether you have decent credit, driver ages, and your occupation. That rating information gets transmitted to insurance companies and they respond with quotes very quickly.

Double check you’re getting with these discounts

Companies don’t necessarily list every possible discount very well, so below is a list both the well known and also the lesser-known credits available to you.

  • Sign Online – Some insurance companies may give you up to $50 simply for signing digitally online.
  • Mature Driver Discount – Mature drivers can possibly qualify for a small decrease in premiums for Vibe insurance.
  • More Vehicles More Savings – Buying a policy with multiple vehicles on the same auto insurance policy can get a discount on all vehicles.
  • Own a Home and Save – Owning your own home or condo can save a few bucks since owning and maintaining a home is proof of financial responsibility.
  • Multi-line Discount – If the company offers life insurance, you could get a small discount if you purchase some life insurance too.
  • Employee of Federal Government – Federal government employees can earn a discount up to 10% for Vibe insurance depending on your company.
  • Military Deployment Discount – Having a family member in the military may qualify for rate reductions.
  • Air Bag Discount – Factory options such as air bags or automatic seat belts may qualify for discounts as much as 30%.
  • First Accident Forgiveness – Not necessarily a discount, but a few companies such as State Farm and GEICO will allow you to have one accident without getting socked with a rate hike if you are claim-free prior to being involved in the accident.

You can save money using discounts, but some credits don’t apply to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. Despite the appearance that you could get a free auto insurance policy, auto insurance companies aren’t that generous. Any amount of discount should help reduce your premiums.

To choose insurers that provide some of the discounts listed above, click here to view.

Six tips to get cheaper insurance rates

Lots of factors are considered when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but other factors are not as apparent like where you live or how safe your car is.Smart consumers have a good feel for the different types of things that are used to determine your premiums. If you have some idea of what influences your rates, this enables informed choices that may reward you with lower premium levels.

The factors shown below are just a few of the factors used by insurance companies to determine premiums.

  • Bad credit hurts insurance rates – An insured’s credit history is likely to be a major factor in your rate calculation. Drivers who have excellent credit scores tend to be better risks to insure than those with bad credit. Therefore, if your credit rating can use some improvement, you could be paying less to insure your 2003 Pontiac Vibe by improving your rating.
  • Marriage pays dividends – Your spouse can actually save you money on auto insurance. Having a spouse may mean you are less irresponsible and statistics prove married couples file fewer claims.
  • Optional features that cut prices – Selecting a car model with anti-theft technology or alarm system can earn a premium discount. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
  • Age of drivers – Young drivers tend to get distracted easily when driving with friends and because of this, their auto insurance rates are much higher. If you’ve ever had to add a teen driver to your auto insurance policy will cause a huge premium hike. Older drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.
  • Women tend to take less risk – Over the last 50 years, statistics have shown females are less aggressive when driving. It does not mean males are worse at driving than females. Both sexes cause at-fault accidents at about the same rate, but men have accidents that have higher claims. In addition to higher claims, males also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers tend to get in the most accidents so it costs more to insure them.
  • Safer cars save money – Vehicles with good safety scores are cheaper to insure. Highly rated vehicles have better occupant injury protection and fewer serious injuries means lower claim amounts which can mean better rates for you. If your Pontiac earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.

Your situation helps dictate your coverage

When choosing adequate coverage for your vehicles, there really is no one size fits all plan. Every insured’s situation is different.

These are some specific questions may help you determine whether you might need professional guidance.

  • How much can I save by bundling my policies?
  • Is extra glass coverage worth it?
  • Do I need replacement cost coverage?
  • Am I insured when driving a different vehicle?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I covered when using my vehicle for business?
  • What is medical payments coverage?
  • If my 2003 Pontiac Vibe is totaled, can I afford another vehicle?
  • What companies insure drivers after a DUI or DWI?
  • Will my insurance pay for OEM parts?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

The insurance bait and switch

Consumers can’t escape the ads that promise big savings for switching by companies like GEICO, State Farm and Progressive. They all convey the message that drivers will save a bundle if you switch your policy.

It sounds good, but how can they all give you a lower rate? It’s all in the words they use.

Insurance companies provide the lowest rates for the driver that makes them money. One example of a profitable insured might have to be a mature driver, has no tickets, and drives newer vehicles. Someone who matches those parameters will probably get cheap rates and as a result will probably save money with a new company.

Potential customers who do not fit this ideal profile will have to pay higher rates with the end result being the customer not buying. The wording the ads use say “drivers that switch” but not “everyone who gets a quote” save money. This is how companies can state the savings.

This emphasizes why drivers should get auto insurance quotes from several different companies. It’s impossible to know which company will fit your personal profile best.

Parts of your insurance policy

Having a good grasp of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

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

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. Your policy might show policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things such as structural damage, bail bonds, legal defense fees and pain and suffering. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Comprehensive coverage – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, hitting a deer, damage from flooding, rock chips in glass and hail damage. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision – This coverage will pay to fix damage to your Vibe from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a building, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants 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 very important. Frequently these coverages are set the same as your liablity limits.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for short-term medical expenses such as EMT expenses, prosthetic devices, funeral costs, rehabilitation expenses and surgery. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Buy Smart and Save

We just presented a lot of tips how to get a better price on 2003 Pontiac Vibe insurance. It’s most important to understand that the more price quotes you have, the better your comparison will be. Drivers may discover the best price on auto insurance is with the smaller companies.

When buying insurance coverage, you should never skimp on critical coverages to save a buck or two. There have been many situations where an insured dropped collision coverage and discovered at claim time that they should have had better coverage. Your focus should be to buy a smart amount of coverage at the best price, but do not sacrifice coverage to save money.

Cheaper auto insurance can be found both online and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies may not have the ability to get quotes online and these smaller companies work with independent insurance agencies.

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