2008 Pontiac Vibe Car Insurance Rates – 7 Policy Discounts

Want cheaper auto insurance rates for your Pontiac Vibe? No car owner looks forward to buying auto insurance, especially when they could find lower prices if they just compared rates.

Since drivers have many options, it is hard for the average consumer to locate the right auto insurance provider.

Smart consumers take time to check auto insurance prices occasionally because auto insurance prices are variable and change quite frequently. Despite the fact that you may have had the best price for Vibe insurance a couple years back you can probably find a lower rate today. There is a lot of bad advice regarding auto insurance online, but we’re going to give you some good information on how to lower your auto insurance rates.

Car Insurance Discounts

Car insurance is not an enjoyable expense, but companies offer discounts that you may not know about. Certain discounts will be triggered automatically at quote time, but some need to be manually applied before being credited.

  • Multi-Vehicle Discounts – Buying a policy with primary and secondary vehicles with the same company may reduce the rate for each vehicle.
  • Paperless Signup – A handful of car insurance companies will give a small break shop auto insurance on the web.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle up can save 10% or more on the medical payments or PIP coverage costs.
  • Good Drivers – Safe drivers may save up to 50% more for Vibe insurance than less cautious drivers.
  • Payment Method – If you can afford to pay the entire bill rather than spreading payments over time you may have a lower total premium amount.
  • Government Employee Discount – Employees or retirees of the government could cut as much as 10% off for Vibe insurance with certain companies.
  • Professional Organizations – Belonging to a qualifying organization can get you a small discount on car insurance.

One last thing about discounts, many deductions do not apply to the entire policy premium. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

A few popular companies and some of their more popular discounts can be found below.

  • Progressive has savings for homeowner, multi-policy, online quote discount, continuous coverage, and online signing.
  • MetLife offers discounts including accident-free, claim-free, defensive driver, multi-policy, good driver, good student
  • Mercury Insurance may include discounts for ease of repair, professional/association, type of vehicle, accident-free, and low natural disaster claims.
  • Nationwide offers discounts for easy pay, family plan, multi-policy, business or organization, anti-theft, accident-free, and good student.
  • Geico offers premium reductions for air bags, military active duty, anti-lock brakes, five-year accident-free, membership and employees, and defensive driver.
  • AAA discounts include anti-theft, AAA membership discount, pay-in-full, good driver, education and occupation, and good student.

It’s a good idea to ask each company which discounts can lower your rates. Depending on the company, some discounts may not be offered in your state. To find car insurance companies that have a full spectrum of discounts, click here.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions can help discover if your situation would benefit from an agent’s advice.

  • What are the best liability limits?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is extra glass coverage worth it?
  • How much liability coverage do I need in my state?
  • Is my Pontiac Vibe covered if I use it for business?
  • If my pet gets injured in an accident are they covered?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Smaller companies may have the best rates

State Farm, Allstate and Geico endlessly run television and radio advertisements. They all seem to seem to make the promise of big savings if you get a free auto insurance quote and switch to them. How does every auto insurance company cost less than your current company? It’s all in the wording.

Many companies have specific characteristics for the type of insured that will most likely be profitable. A good example of a profitable customer might have to be between the ages of 40 and 55, has a clean driving record, and has a short commute. Any new insured who fits those characteristics will most likely get cheap car insurance rates and have a good chance to pay quite a bit less when switching companies.

Drivers who fall outside the ideal profile will probably be forced to pay higher prices and this can result in the prospect going elsewhere. Company advertisements say “customers that switch” not “all people who quote” save that much. This is how insurance companies can advertise the savings. Because of this risk profiling, you need to compare as many free auto insurance quotes as you can. Because you cannot predict with any certainty which company will have the best rates.

Insurance coverage options for a 2008 Pontiac Vibe

Understanding the coverages of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages found on the average insurance policy.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like ambulance fees, hospital visits and surgery. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, hitting a deer and a broken windshield. 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.

Liability coverage – Liability insurance can cover damage that occurs to a person or their property. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against things such as attorney fees, pain and suffering and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

UM/UIM Coverage – This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your 2008 Pontiac Vibe.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

Collision – This covers damage to your Vibe from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a ditch, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Be a Smart Shopper

We’ve covered a lot of techniques to save on 2008 Pontiac Vibe insurance. The key thing to remember is the more companies you get rates for, the better likelihood of getting cheap auto insurance. You may be surprised to find that the biggest savings come from some of the smallest insurance companies. Smaller companies may have significantly lower rates on certain market segments than their larger competitors like State Farm and Allstate.

While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where someone sacrificed full coverage to discover at claim time that it was a big mistake. Your objective should be to get the best coverage possible at the best possible price while still protecting your assets.

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