2003 Pontiac Vibe Insurance Quotes

Trying to find lower insurance rates for your Pontiac Vibe? Wish you could get out of high-priced insurance? Don’t feel bad because many consumers are feeling buyer’s remorse and feel like there’s no way out.

Popular companies such as Geico and Progressive all promote huge savings with catchy ads and it can be hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.

How to shop car insurance online

To get low cost car insurance quotes, there a variety of ways to obtain and compare prices from companies that offer car insurance in your state. The fastest way to find cheaper 2003 Pontiac Vibe rates is to get quotes online. It’s really quite simple and can be done in a couple minutes as outlined below.

Without a doubt, the easiest way to find low rates is an all-inclusive rate comparison click here to open form in new window. This type of form eliminates the need for separate forms for each company. One quote request gets rate comparisons from several companies.

A more time consuming way to get quotes online requires you to visit the website of each company and repeat the quote process again and again. For examples sake, let’s assume you want to compare rates from State Farm, Farmers and Allstate. To do that, you would have to take the time to go to each site and repeatedly enter your information, which is why the first method is quicker.

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

You can choose any of those ways to find more affodable coverage, but double check that you are using nearly identical quote data for every company. If each company quotes different values for each quote it will be very difficult to make a fair rate comparison. Just a small difference in coverages may result in large price differences. And when price shopping your coverage, comparing a large number of companies will enable you to find more affordable insurance. Not every company does prices over the internet, so it’s necessary to compare quotes from those companies as well.

Save a ton with discounts

Insurance coverage is expensive, but you may qualify for discounts that many consumers don’t even know exist. Some of these disounts will be visible at quote time, but a few need to be specially asked for before being credited.

  • Good Grades Discount – Performing well in school can save 20 to 25%. This discount can apply up until you turn 25.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Pontiac can qualify you for discounted premium rates on garaged vehicles.
  • Payment Discounts – By paying your policy upfront rather than paying in monthly installments you could save 5% or more.
  • Sign Early and Save – Some larger companies reward drivers for switching to them before your current coverage expires. This can save 10% or more.
  • Discount for Home Ownership – Owning a house can get you a discount due to the fact that maintaining a home shows financial diligence.

Discounts lower rates, but some of the credits will not apply to the overall cost of the policy. Most only cut specific coverage prices like medical payments or collision. So when the math indicates all those discounts means the company will pay you, it just doesn’t work that way.

A few of the larger companies and the discounts they provide are detailed below.

  • American Family offers discounts including multi-vehicle, good driver, defensive driver, early bird, and TimeAway discount.
  • Farm Bureau policyholders can earn discounts including good student, youthful driver, multi-policy, multi-vehicle, and renewal discount.
  • State Farm offers discounts for Steer Clear safe driver discount, good driver, driver’s education, Drive Safe & Save, and accident-free.
  • Travelers has savings for new car, payment discounts, early quote, hybrid/electric vehicle, multi-car, home ownership, and student away at school.
  • The Hartford may offer discounts for anti-theft, driver training, bundle, vehicle fuel type, good student, air bag, and defensive driver.
  • Geico includes discounts for daytime running lights, anti-lock brakes, emergency military deployment, five-year accident-free, seat belt use, and multi-policy.
  • Progressive offers premium reductions for multi-policy, homeowner, online quote discount, multi-vehicle, and good student.

If you need inexpensive car insurance quotes, ask each company or agent which discounts they offer. A few discounts may not be offered everywhere.

What is the best insurance coverage?

When choosing proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions may help highlight whether or not you may require specific advice.

  • Where can I get insurance after a DUI in my state?
  • How can I get my company to pay me more for my totalled car?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Why do I need rental car insurance?
  • Is my trailer covered?
  • Can my teen drive my company car?
  • When should I remove comp and collision on my 2003 Pontiac Vibe?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

You can change your insurance prices

A large part of saving on auto insurance is knowing the factors that help calculate the rates you pay for auto insurance. If you understand what determines premiums, this allows you to make good choices that may reward you with better auto insurance rates.

The following are some of the major factors used by companies to determine premiums.

  • Lower rates come with age – Older, more experienced drivers are more cautious drivers, tend to cause fewer accidents and get fewer tickets.Teen drivers tend to be careless and easily distracted with other occupants in the car therefore auto insurance rates are much higher.
  • Protect yourself with liability – Your auto insurance policy’s liability coverage is the coverage that protects you if you are found liable for damages caused by your negligence. Liability insurance provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive when compared to the cost of physical damage coverage, so drivers should carry high limits.
  • Excellent credit scores equal low premiums – Having a good credit score is a large factor in your rate calculation. Consumers who have good credit tend to be better drivers and file fewer claims as compared to drivers with poor credit. Therefore, if your credit rating can use some improvement, you could save money insuring your 2003 Pontiac Vibe by repairing your credit.
  • Infrequent drivers can save – The more you drive every year the more you’ll pay to insure your vehicle. Most insurance companies price each vehicle’s coverage based on their usage. Cars and trucks that sit idle most of the time can get a lower rate compared to those used for work or business. Verify your auto insurance policy states the correct usage, because it can save money. A policy that improperly rates your Vibe can cost quite a bit.

The car insurance bait and switch

Companies like Geico, State Farm and Progressive endlessly run television, radio, and online ads. All the companies say the same thing that people will save if you move your policy. That’s great but how can every company give you a better price? Here is the trick they use.

All companies can use profiling for the type of insured that is profitable for them. One example of a desirable insured might be described as married and over the age of 30, has a clean driving record, and drives newer vehicles. A propective insured that fits those parameters gets the lowest premium rates and will also save money with a new company.

Drivers who don’t qualify for those standards will get a higher rate with the end result being business going elsewhere. The ads state “people who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s the way insurance companies can confidently advertise the savings. Because each company has a different risk profile, it is so important to quote coverage with many companies. It’s impossible to know which car insurance company will provide you with the cheapest prices.

Parts of your insurance policy

Knowing the specifics of your insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are the usual coverages offered by insurance companies.

Auto liability insurance – Liability insurance provides protection from damage that occurs to people or other property in an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like structural damage, pain and suffering, medical services, loss of income and court costs. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for short-term medical expenses like X-ray expenses, chiropractic care, nursing services and ambulance fees. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Comprehensive coverage (or Other than Collision) – This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, fire damage and vandalism. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Pontiac Vibe.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage – Collision coverage pays for damage to your Vibe resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with a tree, sustaining damage from a pot hole and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Final thoughts

While you’re price shopping online, don’t be tempted to buy less coverage just to save a little money. In too many instances, an accident victim reduced liability coverage limits to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage at the best price while not skimping on critical coverages.

You just read many tips how you can reduce 2003 Pontiac Vibe insurance prices online. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. You may even find the lowest priced auto insurance comes from a small mutual company. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive or Geico.

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