Lower Your 2009 Pontiac Vibe Insurance Cost

Want lower insurance rates for your Pontiac Vibe? Are you regretting buying high-priced insurance? Don’t feel bad because there are lots of people in the same boat.

You have multiple auto insurance companies to purchase coverage from, and although it’s a good thing to have multiple companies, lots of choices makes it harder to find a good deal.

The easiest way to get rate comparisons utilizes the fact car insurance companies will pay a fee to give rate comparisons. All consumers are required to do is provide the companies a bit of rating information like whether the vehicles are used for commuting, if it has an alarm system, the year, make and model of vehicles, and what your job is. Your rating data is automatically sent to insurance carriers in your area and they provide comparison quotes with very little delay.

Discounts to earn lower-cost car insurance rates

Car insurance is not an enjoyable expense, but you might already qualify for some discounts that can drop the cost substantially. Many of these discounts will be applied automatically at the time of quoting, but a few need to be asked for before you will receive the discount.

• Onboard Data Collection – Drivers who agree to allow data collection to scrutinize where and when they drive remotely like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they exhibit good driving behavior.
• Homeowners Savings – Simply owning a home may earn you a small savings since home ownership requires personal responsibility.
• Passive Restraint Discount – Vehicles equipped with air bags can qualify for discounts of 20% or more.
• Good Grades Discount – Getting good grades can earn a discount of 20% or more. You can use this discount normally until age 25.
• Auto/Life Discount – Select insurance carriers reward you with a discounted rate on car insurance if you buy auto and life insurance together.
• Safety Restraint Discount – Forcing all vehicle occupants to buckle up can save 10% or more off PIP or medical payments premium.
• Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education if it’s offered in school.
• Bundled Policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you may earn nearly 15% which can help you find affordable auto insurance.
• More Vehicles More Savings – Purchasing coverage when you have more than one vehicle with the same car insurance company can reduce rates for all insured vehicles.
• Accident Forgiveness Coverage – This isn’t a discount exactly, but some insurance companies may permit one accident without raising rates if you are claim-free for a particular time prior to the accident.

One thing to note about discounts is that most discounts do not apply the the whole policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you’re out of luck.

Popular car insurance companies and a selection of discounts are shown below.

• State Farm has savings for good student, anti-theft, multiple autos, driver’s education, passive restraint, and Drive Safe & Save.
• Progressive offers discounts including good student, homeowner, multi-vehicle, multi-policy, continuous coverage, online quote discount, and online signing.
• Progressive includes discounts for good student, continuous coverage, homeowner, multi-vehicle, multi-policy, online quote discount, and online signing.
• MetLife may have discounts that include accident-free, claim-free, defensive driver, good student, multi-policy, good driver
• Farm Bureau policyholders can earn discounts including multi-policy, renewal discount, 55 and retired, good student, youthful driver, and multi-vehicle.
• Geico offers premium reductions for good student, air bags, five-year accident-free, defensive driver, seat belt use, anti-theft, and federal employee.
• SAFECO may offer discounts for teen safe driver, anti-lock brakes, multi-car, safe driver, and bundle discounts.

If you want the cheapest auto insurance quotes, ask every prospective company which discounts you may be entitled to. Some credits may not be offered in your state.

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Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there really is no cookie cutter policy. Every situation is different and your policy should reflect that. For instance, these questions may help highlight whether your personal situation may require specific advice.

• Is there coverage for injuries to my pets?
• Am I insured when driving a different vehicle?
• If I drive on a suspended license am I covered?
• Is motorclub coverage worth it?
• Will filing a claim cost me more?
• Why do I only qualify for high-risk insurance?
• Am I covered if I hit a deer?
• How many claims can I have before being cancelled?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Informed drivers can reduce insurance rates

Many factors are considered when you get your auto insurance bill. A few of the factors are predictable like an MVR report, but other criteria are more obscure such as whether you are married or your vehicle rating.

Shown below are a few of the things companies use to determine your rate level.

• Safer vehicles mean better rates – Cars with five star safety ratings tend to be cheaper to insure. These vehicles reduce the chance of injuries and lower rates of occupant injuries means less money paid by your insurance company and lower rates for you.
• Prevent insurance policy lapses – Driving any period of time without insurance is not a good idea and any future policy may cost more because you let your insurance lapse. And not only will your rates increase, not being able to provide proof of insurance can result in a fine, jail time, or a revoked license.
• Guys pay more for insurance coverage – Statistics show that females take fewer risks when driving. The data does not necessarily mean that females are better at driving than males. They both cause auto accidents in similar percentages, but the men tend to have higher claims. Not only are claims higher, but men receive more major tickets like DWI (DUI) or reckless driving.
• Adjust physical damage deductibles and save – Physical damage coverage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your Pontiac. Some examples of claims that would be covered could be a dented fender, vandalism, and burglary. The deductibles are how much you are willing to pay out-of-pocket before your insurance pays a claim. The more money you choose to pay out-of-pocket, the less your insurance will be on Vibe insurance.

Insurance coverage specifics

Having a good grasp of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Shown next are typical coverage types found on the average insurance policy.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from flooding, damage from a tornado or hurricane, hitting a deer, hail damage and falling objects. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Pontiac Vibe.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sustaining damage from a pot hole, colliding with another moving vehicle, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Liability car insurance

This will cover damages or injuries you inflict on people or other property by causing an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as legal defense fees, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as EMT expenses, dental work, ambulance fees, pain medications and chiropractic care. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

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Don’t break the bank

As you quote auto insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, an insured dropped liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to purchase plenty of coverage for the lowest cost while not skimping on critical coverages.

Cheaper auto insurance is attainable online as well as from insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some auto insurance companies may not offer online price quotes and these smaller companies prefer to sell through independent agents.

We just presented some good ideas how to reduce 2009 Pontiac Vibe insurance car insurance rates online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest car insurance rates are with the least-expected company. Smaller companies may have significantly lower premium rates on certain market segments than their larger competitors like State Farm or Progressive.

Additional auto insurance information is located at these links:

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Vehicle Size and Weight FAQ (iihs.org)
• Side Impact Crash Tests (iihs.org)
• Driving in Bad Weather (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)

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