Cheap Pontiac Vibe Insurance in Plano

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If you want to save money, the best way to get the cheapest Pontiac Vibe insurance is to start comparing prices regularly from different companies who provide auto insurance in Plano.

Step 1: Spend a few minutes and learn about policy coverages and the modifications you can make to prevent rate increases. Many rating factors that result in higher rates such as speeding and a negative credit history can be remedied by improving your driving habits or financial responsibility.

Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO and State Farm, while independent agencies can provide price quotes from multiple insurance companies.

Step 3: Compare the new quotes to the price on your current policy to see if cheaper Vibe coverage is available. If you can save some money and decide to switch, make sure coverage is continuous and does not lapse.

Step 4: Tell your current agent or company to cancel your current coverage and submit a down payment along with a completed application for your new policy. Be sure to safely store the proof of insurance certificate above your visor, in the console, or in the glove compartment.

One important bit of advice is to try to compare the same physical damage deductibles and liability limits on every price quote and to quote with as many companies as feasibly possible. This guarantees a level playing field and a complete price analysis.

Insurance quote for Pontiac Vibe in PlanoWe don't have to tell you that insurance companies don't want you to compare rates. Insureds who shop around for the cheapest price are likely to switch companies because there is a great chance of finding lower prices. A recent survey found that drivers who routinely shopped for cheaper coverage saved approximately $865 annually compared to policyholders who never compared rates.

If saving money on Pontiac Vibe insurance in Plano is the reason you're reading this, then having a grasp of how to find companies and compare car insurance can save money and time.

Finding the cheapest car insurance coverage in Plano can be made easier if you know where to look. Basically, anyone who comparison shops for car insurance will more than likely find a lower-cost policy. Although Texas car owners can benefit from knowing the way companies market on the web because it can help you find the best coverage.

You may qualify for discounts for Pontiac Vibe insurance in Plano

Insuring your vehicles can cost a lot, but you may be missing some discounts to cut the cost considerably. A few discounts will be applied when you quote, but occasionally some discounts must be specially asked for before you get the savings. If you do not double check each discount you qualify for, you're paying more than you need to.

  • Active Service Discounts - Being on active deployment in the military could trigger a small discount.
  • Drive Safe and Save - Drivers without accidents could pay up to 40% less than their less cautious counterparts.
  • Switch and Save Discount - Some larger companies reward drivers for buying a policy prior to the expiration date on your current Vibe insurance policy. It could save around 10% when you buy Plano car insurance online.
  • Paperwork-free - A few larger online companies will give a small break simply for signing on the internet.
  • Pay Early and Save - By paying your entire bill at once instead of making monthly payments you can actually save on your bill.
  • Own a Home - Just owning your own home can save you money because it requires a higher level of personal finance.
  • Data Collection Discounts - Insureds who allow data collection to study their driving habits by using a telematic data system such as Allstate's Drivewise and State Farm's In-Drive system may get a rate reduction if their driving habits are good.
  • Save with More Vehicles Insured - Buying coverage for multiple cars with the same car insurance company could earn a price break for each car.

A quick disclaimer, some of the credits will not apply to all coverage premiums. Some only apply to the cost of specific coverages such as collision or personal injury protection. Even though it appears all those discounts means the company will pay you, it doesn't quite work that way.

The illustration below illustrates the difference between Pontiac Vibe insurance rates with and without discounts applied. The price estimates are based on a male driver, no accidents or driving violations, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-car, marriage, multi-policy, and claim-free discounts applied.

A list of car insurance companies and the discounts they provide are detailed below.

  • 21st Century offers discounts for homeowners, student driver, anti-lock brakes, automatic seat belts, and early bird.
  • State Farm offers premium reductions for Steer Clear safe driver discount, anti-theft, good driver, defensive driving training, multiple autos, and passive restraint.
  • AAA may offer discounts for AAA membership discount, pay-in-full, good student, anti-theft, multi-policy, and good driver.
  • Liberty Mutual policyholders can earn discounts including new graduate, safety features, preferred payment discount, multi-policy, and newly retired.
  • Progressive includes discounts for multi-policy, homeowner, good student, multi-vehicle, online signing, and continuous coverage.

When comparing rates, check with all the companies which discounts they offer. A few discounts may not apply in your area. If you would like to choose from a list of providers who offer cheap Pontiac Vibe insurance quotes in Plano, click this link.

Finding Pontiac Vibe insurance in Plano, Texas

When price shopping your coverage, having more price comparisons helps you find a lower rate.

The following companies have been selected to offer free quotes in Plano, TX. In order to find cheaper auto insurance in Plano, it's highly recommended you compare several of them to get a more complete price comparison.

Statistics and details

The coverage table shown below outlines detailed analysis of insurance policy prices for Pontiac Vibe models. Having knowledge of how rates are established can assist in making smart choices when buying a car insurance policy.

Pontiac Vibe Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vibe 1.8 $282 $610 $366 $22 $110 $1,390 $116
Vibe 2.4 $282 $610 $366 $22 $110 $1,390 $116
Vibe AWD $318 $718 $366 $22 $110 $1,534 $128
Vibe GT $318 $718 $366 $22 $110 $1,534 $128
Get Your Own Custom Quote Go

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate information does not factor in specific garaging location which can impact premium rates substantially.

Raise deductibles and save

The hardest decision when buying coverage is where should you set your physical damage deductibles. The rates shown below can help you visualize the price difference when you choose different deductibles. The first rate comparisons uses a $100 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.

Pontiac Vibe insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vibe 1.8 $328 $592 $324 $20 $96 $1,385 $115
Vibe 2.4 $328 $592 $324 $20 $96 $1,385 $115
Vibe AWD $370 $698 $324 $20 $96 $1,533 $128
Vibe GT $370 $698 $324 $20 $96 $1,533 $128
Get Your Own Custom Quote Go
Pontiac Vibe insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vibe 1.8 $182 $312 $324 $20 $96 $934 $78
Vibe 2.4 $182 $312 $324 $20 $96 $934 $78
Vibe AWD $206 $368 $324 $20 $96 $1,014 $85
Vibe GT $206 $368 $324 $20 $96 $1,014 $85
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Estimates do not factor in specific location which can modify premium rates considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs an average of $40 more each month or $480 every year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 23 months between claim filings, you would probably save some money if you choose the higher deductible.

Calculate deductible break even point

Average monthly premium for $100 deductibles: $122
Average monthly premium for $1,000 deductibles (subtract): - $82
Monthly savings from raising deductible: $40
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $40
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One important issue to know is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself when you have a comprehensive or collision claim. You should have access to more funds in order to pay more for the deductible.

The example below illustrates how your deductible choice and can raise or lower Pontiac Vibe insurance costs for different insured age categories. The prices are based on a single male driver, full coverage, and no policy discounts are applied.

What Affects Pontiac Vibe Insurance Costs?

Lots of things are used in the calculation when premium rates are determined. A few of the factors are predictable like an MVR report, but others are more obscure such as whether you are married or your commute time.

Gaps in coverage mean higher prices - Having an insurance coverage lapse can be a sure-fire way to trigger a rate increase. And not only will insurance be more expensive, getting caught without coverage can result in fines or a revoked license.

Vehicle options that lower premiums - Driving a car that has a built-in theft deterrent system can help lower your rates. Advanced theft deterrents such as GM's OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft and help bring rates down.

Pay less with a high IIHS safety rating - Vehicles with high crash test scores get lower rates. Vehicles built for safety help reduce the chance of injuries in an accident and fewer serious injuries means less money paid by your insurance company passed on to you as lower rates. If your Pontiac has at least an "acceptable" rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.

Only buy coverage you need - Policies have optional add-on coverages that you can buy when buying car insurance. Things like rental car coverage, high-cost glass coverage, and extra equipment coverage may be wasting your money. The coverages may be enticing when buying your policy, but if they're wasting money think about removing them and cutting costs.

Save money with responsible credit - Having a good credit score is likely to be a major factor in determining what you pay for car insurance. If your credit leaves room for improvement, you could potentially save money when insuring your Pontiac Vibe by spending a little time repairing your credit. People that have high credit scores tend to be better risks to insure as compared to drivers with worse credit.

Your stress level may be raising your rates - Careers such as judges, social workers, and emergency personnel usually pay higher premiums than the average policyholder because of stressful work requirements and long work days. Other careers like professors, engineers and performers receive lower rates.

Low mileage costs less - The higher the miles on your Pontiac in a year the higher your rates will be. A lot of companies charge rates based upon how much you drive. Vehicles that are left in the garage receive lower rates than vehicles that are driven to work every day. Having an incorrect usage rating on your Vibe is throwing money out the window. It's always a good idea to double check that your car insurance declarations sheet properly reflects the correct usage.

Buying from auto insurance agents

Many drivers still like to have an agent's advice and that is not a bad decision One of the benefits of getting free rate quotes online is the fact that drivers can get cheap car insurance quotes but also keep your business local.

Find insurance agent in PlanoOnce you complete this form (opens in new window), the quote information is submitted to insurance agents in Plano who can give free rate quotes for your insurance coverage. You never need to contact any agents because quoted prices will be sent to you. You can get cheaper car insurance rates and a licensed agent to work with. If you need to get a comparison quote from one company in particular, you would need to jump over to their website and fill out the quote form the provide.

Picking the best company shouldn't rely on just a low price. Any agent in Plano should have no problem answering these questions:

  • Will they give you a referral list?
  • Do they feel the quoted coverages are adequate?
  • Can you choose the body shop in case repairs are needed?
  • If they are an independent agency in Plano, which companies do they recommend?
  • Are they giving you every discount you deserve?
  • Is the agency covered by Errors and Omissions coverage?
  • Which members of your family are coverage by the policy?

The different types of car insurance agents

If you want to buy car insurance from a local agent, you must know there are a couple different agency structures and how they are distinctly different. Insurance agencies in Plano are categorized either independent agents or exclusive agents.

Exclusive Agencies

Agents in the exclusive channel can only provide pricing for a single company and examples are State Farm, Allstate, and Farm Bureau. They generally cannot compare rates from other companies so you need to shop around if the rates are high. Exclusive agencies are well schooled on their company's products which can be an advantage. Many people use the same agent partially due to the prominence of the brand rather than low price.

Shown below are exclusive agents in Plano who can help you get price quote information.

More Plano agents

Independent Car Insurance Agents

Agents that elect to be independent are not limited to a single company so they have the ability to put coverage with multiple insurance companies and get the cheapest rates. If they find a cheaper price, your agent can just switch to a different company which requires no work on your part. If you are trying to find cheaper rates, it's a good idea to include several independent agencies in order to compare the most rates. Many can place coverage with smaller regional carriers that can offer cheaper rates than bigger companies.

Below are independent insurance agencies in Plano that can give you price quote information.

More Plano agents

Why you need insurance for your Vibe

Despite the high insurance cost for a Pontiac Vibe in Plano, insuring your vehicle is required by state law in Texas and it also provides benefits you may not be aware of.

  • Just about all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability coverage if you don't want to risk a ticket. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you bought your Pontiac Vibe with a loan, almost every bank will require you to have full coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may buy a policy for your Pontiac for a much higher rate and force you to reimburse them for the expensive policy.
  • Insurance protects both your Pontiac Vibe and your assets. It will also provide coverage for all forms of medical expenses for yourself as well as anyone injured by you. Liability insurance also pays for attorney fees and expenses if you cause an accident and are sued. If your Pontiac gets damaged, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of buying car insurance are definitely more than the cost, especially when you need to use it. The average driver in America is overpaying more than $810 a year so compare rates every year to save money.

Texas car insurance companies

Finding the highest-rated car insurance company is difficult considering how many choices drivers have in Plano. The company ratings below may help you choose which car insurance companies you want to consider buying from.

Top 10 Plano Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA - 91%
  2. AAA Insurance - 90%
  3. Esurance - 90%
  4. Mercury Insurance - 89%
  5. Nationwide - 89%
  6. Travelers - 88%
  7. Progressive - 88%
  8. Safeco Insurance - 88%
  9. State Farm - 88%
  10. Allstate - 88%

Top 10 Plano Car Insurance Companies Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Cheaper car insurance premiums are out there

Cheap Pontiac Vibe insurance in Plano can be found from both online companies as well as from insurance agents, so you should compare both to get a complete price analysis. Some companies don't offer the ability to get a quote online and usually these regional insurance providers provide coverage only through independent agents.

Insureds change insurance companies for a variety of reasons including unfair underwriting practices, high rates after DUI convictions, delays in paying claims and even denial of a claim. Regardless of your reason for switching companies, choosing a new company can be easier than you think.

You just learned many ways to reduce Pontiac Vibe insurance rates online in Plano. The key thing to remember is the more you quote Plano car insurance, the better likelihood of getting the cheapest Pontiac Vibe rate quotes. Consumers could even find that the lowest priced car insurance comes from the least-expected company.

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