Pontiac Vibe Insurance Rates

You have many choices when trying to insure your Pontiac vehicle. You can either contact an insurance agent or shop online to compare insurance costs of multiple companies. Comparing car insurance online is easy, in addition you may find lower rates.

Beginners to comparing rates may think shopping for cut-rate Vibe insurance is very challenging. The are a couple different ways to get quotes from different insurance companies. The quickest method to find the cheapest Vibe insurance quotes involves getting comparison quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine your insurance rates

Insurance premiums for your Pontiac Vibe can be significantly different based upon several criteria. A few of these criteria are:

The performance level of your Vibe
How many accidents you have had
Home and auto can earn discounts
Pleasure, commuting or business use can affect rates
Optional coverages like vehicle replacement
Your job
The level of coverage
Owning a home can lower rates

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a much lower replacement value compared to new Pontiac models so the payout to repair will push premiums down. Conversely, more recent Pontiac vehicles have more advanced features such as sideview assist mirrors, pedestrian detection, lane departure warning system, and tire pressure monitors that may help help offset higher 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 coverage

Liability insurance will cover injuries or damage you cause to other's property or people. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so buy as large an amount as possible.

Collision coverage

This coverage will pay to fix damage to your Pontiac resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like ambulance fees, surgery, and doctor visits. They can be utilized in addition to your health insurance policy or if you do not have health coverage. PIP is only offered in select states and may carry a deductible.

How Much are Pontiac Vibe Insurance Rates?