How Much Does 2008 Pontiac Vibe Insurance Cost?

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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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No one in their right mind enjoys paying for car insurance, particularly when their premiums are too high.

You have multiple insurers to choose from, and though it is a good thing to be able to choose, lots of choices makes it harder to compare rates and find the lowest cost car insurance.

Which Insurance is Cheapest?

Most companies like Progressive, Allstate and GEICO give price estimates on the web. Getting online quotes is fairly straightforward as you simply type in the amount of coverage you want as detailed in the form. After you submit the form the system makes automated requests for your credit score and driving record and returns pricing information based on many factors. Online quotes makes it a lot easier to compare rates but the time it takes to visit many different websites and enter the same data into a form is not the best way to spend an afternoon. But it’s absolutely necessary to get many rate quotes if you want to find the lowest insurance rates.

Quote rates the easy way

The preferred way to lower your insurance bill utilizes a single form to get prices from multiple companies. This type of form saves time, requires less work, and makes online price comparison a little more enjoyable. After sending your information, your coverage is rated and you can select any of the quote results.

If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. The whole process takes less than 15 minutes and may result in a nice savings.

To quickly find out how much you’re overpaying now, simply click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended you copy the coverage information identical to your current policy. This helps ensure you will get rate comparison quotes based on the exact same insurance coverage.

Do you qualify for discounts?

The cost of insuring your cars can be expensive, but there are discounts available that you may not even be aware of. Larger premium reductions will be automatically applied when you quote, but some must be asked about prior to receiving the credit.

  • E-sign – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
  • Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Discount for New Cars – Insuring a new car is cheaper compared to insuring an older model.
  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% on Vibe coverage with certain companies.

Consumers should know that most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like comp or med pay. So even though it sounds like adding up those discounts means a free policy, you won’t be that lucky. But any discount will bring down your overall premium however.

A partial list of companies who might offer some of the above discounts include:

It’s a good idea to ask each insurance company what discounts are available to you. Savings might not be offered in every state.

Pontiac Vibe rates influenced by many factors

An important part of buying insurance is that you know the factors that go into determining insurance coverage rates. Having a good understanding of what impacts premium levels enables informed choices that may reward you with lower insurance coverage prices.

  • How’s your driving record? – Your driving record has a huge affect on how much you pay. Careful drivers receive lower rates than bad drivers. Just one speeding ticket can boost insurance rates by twenty percent. Drivers who get serious violations such as reckless driving, hit and run or driving under the influence may be required to file a SR-22 with their state motor vehicle department in order to continue driving.
  • Low deductibles can be expensive – The deductibles represent how much money you are willing to pay before your insurance coverage pays a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Examples of covered claims could be colliding with a building, collision with an animal, and burglary. The more you’re willing to pay, the less your company will charge you for insurance on Vibe coverage.
  • Safer cars are cheaper to insure – Vehicles with good safety scores tend to have better insurance rates. Safer cars have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If your Pontiac Vibe earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Rural vs Urban Areas – Choosing to live in a rural area is a positive aspect when insuring your vehicles. Fewer drivers translates into fewer accidents and a lower car theft rate. Drivers in populated areas regularly have more traffic problems and a longer drive to work. Higher commute times can result in more accidents.
  • Pay less if you’re married – Having a spouse helps lower the price on your policy. Marriage means you’re more mature it has been statistically shown that drivers who are married are more cautious.
  • More claims means more premium – If you tend to file frequent claims, you can expect either higher rates or even cancellation. Car insurance companies generally give discounts to drivers who are claim-free. Car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Always keep insurance in force – Allowing your insurance coverage policy to lapse is a fast way to bump up your insurance coverage costs. Not only will rates go up, but being ticketed for driving with no insurance will get you a revoked license or a big fine.

Don’t assume everyone needs the same coverage

When it comes to buying the right insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that can aid in determining if your situation would benefit from an agent’s advice.

  • Should I have combined single limit or split liability limits?
  • Does coverage extend to my business vehicle?
  • Can I get a multi-policy discount?
  • At what point should I drop full coverage?
  • What is roadside assistance coverage?
  • Why do I need rental car insurance?
  • When should I not file a claim?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is there coverage for injuries to my pets?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Coverage specifics

Learning about specific coverages of a car insurance policy aids in choosing appropriate coverage for your vehicles. Car insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average car insurance policy.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Pontiac Vibe.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills like surgery, pain medications, dental work and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision insurance

Collision insurance will pay to fix damage to your Vibe resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as driving through your garage door, crashing into a building, sideswiping another vehicle, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Auto liability

This coverage can cover injuries or damage you cause to other’s property or people. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as funeral expenses, bail bonds and emergency aid. How much coverage you buy is your choice, but buy higher limits if possible.

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like theft, hitting a bird and hail damage. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Affordable insurance is out there

In this article, we presented a lot of ways to shop for 2008 Pontiac Vibe insurance online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even discover the lowest premiums are with some of the lesser-known companies. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or GEICO.

When shopping online for insurance, you should never reduce coverage to reduce premium. In many cases, an accident victim reduced full coverage to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Discount insurance can be bought on the web and with local insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance companies do not offer online quoting and these smaller companies work with independent agents.

More information is available at these links:

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