2007 Pontiac Vibe Insurance Rates – 8 Savings Tips

Looking for the cheapest insurance rates for your Pontiac Vibe? Are you tired of robbing Peter to pay Paul to insure your Pontiac every month? You’re in the same situation as millions of other consumers. There is such a variety of insurers to pick from, and though it is a good thing to have multiple companies, it makes it harder to get the best deal.

You should make it a habit to shop coverage around every six months because insurance rates are usually higher with each renewal. Despite the fact that you may have had the lowest rates on Vibe coverage last year other companies may now be cheaper. Block out anything you think you know about insurance because we’re going to demonstrate one of the easiest ways to properly buy coverages while reducing your premium.

This article will teach you the most effective way to quote insurance. If you have car insurance now, you will be able to reduce your rates substantially using these techniques. Drivers just need to understand how to shop for auto insurance on the web.

More discounts equal less premium

The cost of insuring your cars can be expensive, but you can get discounts that you may not know about. A few discounts will automatically apply when you quote, but a few need to be asked for in order for you to get them. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Drive Less and Save – Keeping the miles down on your Pontiac can qualify you for better rates on cars that stay parked.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Own a Home – Owning a home may trigger a car insurance policy discount because owning a home requires personal responsibility.
  • Accident Free – Drivers who don’t have accidents pay much less when compared with frequent claim filers.
  • Federal Employees – Simply working for the federal government can save as much as 8% on Vibe coverage with select insurance companies.
  • Paperless Signup – Some insurance companies will give a small break for buying your policy digitally online.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Good Student Discount – Performing well in school can save 20 to 25%. Earning this discount can benefit you up until you turn 25.

Keep in mind that some of the credits will not apply to your bottom line cost. Some only apply to individual premiums such as collision or personal injury protection. So when the math indicates you can get free auto insurance, you’re out of luck. Any qualifying discounts will help reduce the amount you have to pay.

For a list of companies who offer car insurance discounts, click here.

It’s not one size fits all

When it comes to choosing the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Every situation is different so this has to be addressed. For example, these questions can aid in determining if you could use an agent’s help.

  • Is there coverage for injuries to my pets?
  • Where can I find high-risk insurance?
  • Am I better off with higher deductibles on my 2007 Pontiac Vibe?
  • What is no-fault insurance?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need motorclub coverage?
  • Is other people’s property covered if stolen from my vehicle?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Insurance specifics

Having a good grasp of your insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types found on most insurance policies.

Liability car insurance

Liability insurance provides protection from damage that occurs to people or other property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like court costs, loss of income, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM Coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Pontiac Vibe.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a bird, a tree branch falling on your vehicle, hail damage, damage from flooding and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision protection

Collision coverage pays for damage to your Vibe resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a parking meter, driving through your garage door, rolling your car, damaging your car on a curb and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for immediate expenses for hospital visits, pain medications and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

And the best car insurance company is…

Cheaper 2007 Pontiac Vibe insurance can be sourced from both online companies in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies do not provide online quoting and these smaller companies work with independent agents.

In this article, we covered many tips how you can reduce insurance prices online. The key concept to understand is the more you quote, the better your comparison will be. Consumers may even find the lowest priced insurance comes from a smaller regional carrier. These companies may cover specific market segments cheaper as compared to the big name companies such as Allstate, Geico and Progressive.

Additional information can be read below: