Pontiac Vibe Insurance Rates

You have many choices when trying to find low-cost insurance for your Pontiac vehicle. You can either contact your neighborhood insurance agent or shop online to check prices from lots of different providers. Comparing car insurance through online providers is easy, in addition you will probably save money.

Beginners to comparing rates may think purchasing cut-rate Vibe insurance is hard and time consuming. To find the best car insurance prices, there are several ways to compare rate quotes from different insurance companies. The simplest method to find competitive Vibe insurance cost involves getting comparison quotes online. This is very easy and can be done by completing this short form.

Criteria which help determine your insurance rates

Insurance rates for your Pontiac Vibe can vary widely based upon several criteria. A few of these criteria are:

The performance level of your Vibe
Any accidents you may have
Home and auto can earn discounts
Pleasure, commuting or business use can affect rates
Mature drivers pay less
Having a spouse can save money
Optional coverages like vehicle replacement
Your profession
The level of coverage
Owning a home can lower rates

One last important factor that can impact the rate you pay on your Pontiac is the year of manufacture. Used vehicles have a much lower replacement value so the payout to repair will push premiums down. Conversely, new Pontiac models may have options such as tire pressure monitors, sideview assist mirrors, active head restraints, and adaptive cruise control which can give discounted rates.

To get a better idea how much rates will be for your vehicle, select the year of your Vibe from the following list.

Liability auto insurance

Liability insurance provides protection from injuries or damage you cause to other's property or people. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so purchase higher limits if possible.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like ambulance fees, surgery, and doctor visits. They are utilized in addition to your health insurance policy or if you do not have health coverage. PIP is not universally available but it provides additional coverages not offered by medical payments coverage.

How Much are Pontiac Vibe Insurance Rates?