2004 Pontiac Vibe Car Insurance Rates – 7 Ways to Save

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Having to pay for overpriced Pontiac Vibe insurance can dwindle your checking account and force you to prioritize other expenses. Comparison shopping is a smart way to cut your insurance bill.

Many insurers compete for your hard-earned dollar, and because of this it can be hard to compare insurance companies to discover the definitive lowest rate

It’s a great practice to take a look at other company’s rates every six months because prices change regularly. Even if you think you had the lowest price for Vibe insurance last year you can probably find a lower rate today. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to the quickest way to buy cheaper insurance coverage.

The fastest way that we advise to compare insurance rates from multiple companies is to know the fact most larger insurance companies actually pay money for the chance to compare their rates. All you need to do is provide a small amount of information including how old drivers are, if a SR-22 is needed, if you lease or own, and your credit rating estimate. Your details gets transmitted to insurance companies and they return quotes almost instantly.

There’s no such thing as the perfect policy

When buying adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions may help highlight if you would benefit from professional advice.

  • What vehicles should carry emergency assistance coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Does my 2004 Pontiac Vibe qualify for pleasure use?
  • Am I covered if I crash into my own garage door?
  • Do I benefit by insuring my home with the same company?
  • Is my babysitter covered when using my vehicle?
  • I don’t drive much so do I pay less?
  • What is covered by UM/UIM coverage?
  • Am I covered when pulling a rental trailer?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Specific coverage details

Learning about specific coverages of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages found on most insurance policies.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Pontiac Vibe.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverage – This will pay to fix damage to your Vibe caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sideswiping another vehicle, driving through your garage door, hitting a mailbox and backing into a parked car. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Liability coverage – This coverage can cover damage that occurs to other people or property by causing an accident. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property.

Liability coverage pays for things like repair costs for stationary objects, pain and suffering, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Medical costs insurance – Med pay and PIP coverage pay for short-term medical expenses like prosthetic devices, doctor visits, rehabilitation expenses and chiropractic care. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, hail damage, falling objects, damage from flooding and fire damage. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

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