Cheaper 2006 Pontiac Vibe Insurance Cost

Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Trust us when we tell you there are many drivers thinking the same thing. There are many car insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, lots of choices makes it harder to compare rates and cut insurance costs.

How to compare auto insurance quotes

Comparing auto insurance rates can take time and effort if you don’t utilize the easiest way. You can waste hours talking about coverages with local insurance agents in your area, or you could use the internet to quickly compare rates.

Many companies take part in a program where insurance shoppers submit their information once, and each participating company provides a quote based on the submitted data. This eliminates the need for quote forms to each company.

To find out how much you’re overpaying now click here to start a free quote.

The only downside to doing it this way is you can’t choose the companies to receive prices from. So if you want to select from a list of companies to request quotes from, we have assembled a list of companies who write auto insurance in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just try to keep the exact same coverages on every quote. If the quotes have different deductibles it will be very difficult to truly determine the lowest rate.

Cheaper rates with discounts

Companies don’t always list every available discount in an easy-to-find place, so we break down both the well known in addition to some of the lesser obvious discounts that may be available.

Discount for Swiching Early – Select larger companies give a discount for buying a new policy before your current expiration date. This can save 10% or more.
Government Employees – Simply working for the federal government could cut as much as 10% off for Vibe coverage with select insurance companies.
ABS and Traction Control Discounts – Cars that have anti-lock braking systems can stop better under adverse conditions and will save you 10% or more.
Multi-car Discount – Buying insurance for several vehicles on one policy may reduce the rate for each vehicle.
Auto/Home Discount – If you can bundle your auto and homeowners insurance with one insurance company you may earn at least 10% off all policies.
College Student – Kids who are enrolled in higher education away from home and leave their car at home could qualify for this discount.

Just know that most discount credits are not given to your bottom line cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. Even though it appears it’s possible to get free car insurance, it doesn’t quite work that way. Any qualifying discounts will bring down the amount you have to pay.

The best insurance coverage companies and a selection of discounts are detailed below.

Farmers Insurance may have discounts that include early shopping, bundle discounts, business and professional, distant student, and teen driver.
State Farm discounts include student away at school, driver’s education, Steer Clear safe driver discount, anti-theft, defensive driving training, and good student.
Liberty Mutual has savings for preferred payment discount, good student, newly married, multi-car, safety features, and multi-policy.
MetLife includes discounts for claim-free, multi-policy, good driver, accident-free, defensive driver, and good student.
Progressive may include discounts for continuous coverage, good student, multi-vehicle, multi-policy, and online signing.

If you need affordable auto insurance quotes, ask every insurance company which credits you are entitled to. Some discounts listed above may not apply in your area.

What is the best car insurance coverage?

When buying coverage for your vehicles, there really is no perfect coverage plan. Everyone’s needs are different so your insurance should reflect that These are some specific questions might help in determining if your insurance needs will benefit from professional help.

Do I need rental car coverage?
Am I covered when delivering products for my home-based business?
Do I need more liability coverage?
Do I have coverage when pulling a U-Haul trailer?
How can I get my company to pay me more for my totalled car?
Am I covered when driving a rental car?
When should I remove comp and collision on my 2006 Pontiac Vibe?
Can I get a multi-policy discount for packaging my home and auto coverage?
Does coverage extend to my business vehicle?

If you can’t answer these questions then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area. It’s fast, free and can provide invaluable advice.

Insurance coverage basics

Having a good grasp of insurance helps when choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages available from insurance companies.

Liability car insurance

Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for claims such as structural damage, pain and suffering, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Auto collision coverage

This coverage 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 hitting a parking meter, hitting a mailbox and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your 2006 Pontiac Vibe.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like pain medications, chiropractic care, funeral costs and X-ray expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from flooding, a broken windshield, rock chips in glass and falling objects. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.