Best Quotes for Pontiac Vibe Insurance in Virginia Beach

Unbelievable but true, most car insurance buyers kept their coverage with the same car insurance company for well over three years, and almost 40% of drivers have never compared quotes from other companies. Virginia insurance shoppers could save an average of as much as $548 each year by just comparing rate quotes, but most just don’t grasp how much money they would save if they switched to a cheaper policy.

If you want to save the most money, the best way to find more affordable Pontiac Vibe insurance in Virginia Beach is to regularly compare quotes from different companies in Virginia. You can shop around by completing these steps.

• Step 1: Try to comprehend how your policy works and the measures you can take to prevent high rates. Many factors that cause high rates such as speeding tickets, careless driving and a less-than-favorable credit history can be improved by making minor changes in your lifestyle. This article gives information to help keep rates affordable and find missing discounts.
• Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from a single company like Progressive and State Farm, while agents who are independent can provide price quotes for a wide range of insurance providers. Find a Virginia Beach insurance agent
• Step 3: Compare the new rate quotes to your existing rates to determine if switching companies saves money. If you can save some money and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.

An important bit of advice to remember is to make sure you’re comparing the same physical damage deductibles and liability limits on every quote request and and to get price estimates from as many companies as you can. This guarantees a fair price comparison and the best rate selection.

The method we recommend to get rate comparisons for Pontiac Vibe insurance in Virginia Beach takes advantage of the fact auto insurance companies provide online access to quote your coverage. The only thing you need to do is provide a small amount of information including distance driven, if you went to college, how old drivers are, and if you lease or own. Your details is sent automatically to many of the top insurers and they return cost estimate almost instantly.

To start a quote now, click here then complete the form.

The following companies offer free quotes in Virginia Beach, VA. In order to find cheaper auto insurance in VA, we suggest you click on several of them to get the cheapest price.

Save a ton by receiving discounts

Not too many consumers would say auto insurance is affordable, but you might find some hidden discounts to cut the cost considerably. Some trigger automatically at the time of purchase, but some need to be requested specifically before they will apply.

• Low Mileage Discounts – Fewer annual miles on your Pontiac could be rewarded with cheaper prices.
• ABS Braking Discount – Vehicles that have steering control and anti-lock brakes can stop better under adverse conditions and qualify for as much as a 10% discount.
• Save with More Vehicles Insured – Having multiple cars with the same company qualifies for this discount.
• Discount for Multiple Policies – If you can combine your auto and home policy with the same insurance company you could earn a discount of nearly 15% which can help you find cheap Vibe insurance.
• E-sign Discounts – Certain larger companies give back up to $50 for buying your policy on your computer.
• Government Employee Discount – Active or retired federal employment can save as much as 8% but check with your company.
• Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
• Safety Course Discount – Passing a driver safety course could earn you a small percentage discount and also improve your driving technique.
• Discount for Swiching Early – A few insurance companies allow discounts for buying a policy prior to your current Vibe insurance policy expiring. This discount can save up to 10%.
• Lower Rates for Military – Having a family member in the military could trigger a small discount.

We need to note that most discount credits are not given to the entire policy premium. A few only apply to specific coverage prices like liability and collision coverage. So even though you would think you could get a free auto insurance policy, companies wouldn’t make money that way. But all discounts will definitely reduce your policy premium.

The example below illustrates the comparison of Pontiac Vibe car insurance costs with and without policy discounts. The price estimates are based on a male driver, no claims, a clean driving record, Virginia state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, homeowner, safe-driver, and multi-policy discounts applied.

Some of the insurance companies that may have most of the discounts above possibly include:

• GEICO
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

If you need affordable Pontiac Vibe insurance quotes, ask each insurance company which discounts they offer. Discounts might not be offered on policies in Virginia Beach.

Pontiac Vibe insurance charts and tables

The rate table displayed next covers a range of prices for Pontiac Vibe models. Learning as much as possible about how prices are determined helps drivers make decisions on which coverage to buy.

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Prices do not factor in vehicle location which can decrease or increase rates significantly.

Can higher deductibles save money?

One of the hardest decisions when shopping for insurance is which deductibles should you choose. The data tables below sum up the differences in price of buying low and high physical damage deductibles. The first data set uses a $250 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Estimates do not factor in vehicle location which can revise prices substantially.

Using the data above, we can ascertain that using a $250 deductible will cost you approximately $11 more each month or $132 for a full year than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 23 months between claim filings, you would probably be better off by selecting a higher deductible.

One thing to note is that higher deductibles means you will have to cover more of the damage yourself when you have a physical damage claim. That will require a higher level of savings in the event you need to pay more for the deductible.

The illustration below demonstrates how choosing different deductibles and can raise or lower Pontiac Vibe insurance prices for each age group. The data is based on a married female driver, full coverage, and no other discounts are factored in.

Gender differences in insurance premiums

The illustration below illustrates the comparison of Pontiac Vibe premium costs for male and female drivers. The price estimates are based on a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, marital status is single, and no other discounts are factored in.

Does it make sense to buy full coverage?

The illustration below visualizes the comparison of Pontiac Vibe insurance costs when comparing full coverage to state minimum liability only. The costs are based on no accidents or driving violations, $500 deductibles, single marital status, and no additional discounts are factored in.

Should you pay for full coverage?

There is no exact formula to delete physical damage insurance, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your Pontiac Vibe book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $4,000 after paying the physical damage deductible. If you are currently paying more than $400 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where eliminating full coverage is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

Components of Your Pontiac Vibe Insurance Costs

Lots of factors are considered when premium rates are determined. Some are obvious like a motor vehicle report, but some are more obscure such as your credit history or your commute time.

Listed below are some of the factors that factor into your rates.

Your stress level may be raising your premiums – Occupations such as military personnel, business owners, and medical professionals generally have higher average rates attributed to high stress levels and incredibly demanding work hours. On the other hand, occupations like farmers, historians and performers generally pay rates lower than average.

Cheaper rates after marriage – Your spouse actually saves money when buying insurance. It is viewed as being more financially stable and insurance companies like that married couples file fewer claims.

Cheaper rates by bundling – Some companies will award discounts to clients that have more than one policy such as combining an auto and homeowners policy. Even if you qualify for this discount already, drivers will still want to compare Pontiac Vibe rates in Virginia Beach to verify if the discount is saving money. You may still be able to save even more by buying insurance from more than one company.

Safer vehicles save money – Vehicles with high crash test scores cost less to insure. Vehicles built for safety reduce injuries and reduced instances of injuries translates into fewer and smaller insurance claims and lower rates for you. If your Pontiac Vibe is rated at least four stars on Safercar.gov it may be receiving lower rates.

Bad credit hurts insurance prices – Having a bad credit history factor in determining what you pay for insurance. So if your credit score is low, you could be paying less to insure your Pontiac Vibe by improving your credit score. People with very high credit ratings tend to be better risks to insure than drivers with lower credit scores.

Stay claim-free and lower insurance rates – Car insurance companies in Virginia award cheaper rates to drivers that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can expect higher premiums or even policy non-renewal. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.

Buying from insurance agents

Some consumers still prefer to talk to a local agent and that is a personal choice. The biggest benefit of comparing insurance prices online is the fact that drivers can get lower rates and still choose a local agent.

To find an agent, once you fill out this short form, your coverage information gets sent to agents in your area who will return price quotes for your coverage. There is no need to leave your house as quotes are delivered directly to your email. It’s the lowest rates without having to waste a lot of time. If you want to get a comparison quote from a specific insurance company, feel free to jump over to their website and submit a quote form there.

Deciding on an insurer should include more criteria than just a cheap price quote. The questions below may impact your decision as well.

• Will a damage claim use OEM or aftermarket replacement parts?
• Who is covered by the car insurance policy?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• Does the agency provide any after hours assistance?
• How long has the business existed?
• Do you need full coverage on every vehicle?

If you prefer to buy car insurance from local Virginia Beach agents, you need to know there are two different types of agents and how they operate. Agents in Virginia Beach can be described as either exclusive agents or independent agents.

Exclusive Agents

These type of agents generally can only insure with one company and examples are Allstate and State Farm. Exclusive agents cannot shop your coverage around so they are skilled at selling on more than just price. Exclusive agencies are very knowledgeable on their company’s products which helps them compete with independent agents.

The following is a list of exclusive insurance agents in Virginia Beach who can help you get comparison quotes.

More Virginia Beach agents

Independent Agents (or Brokers)

Independent agencies do not have single company limitations and that enables them to quote your coverage with many different companies and potentially find a lower price. If prices rise, the agent simply finds a different carrier and you won’t have to switch agencies. When comparing car insurance rates, you will definitely want to include multiple independent agents so that you have a good selection of quotes to compare.

Listed below are independent insurance agents in Virginia Beach willing to provide price quotes.

More Virginia Beach agents

Cover all your bases

More affordable insurance in Virginia Beach is attainable from both online companies and also from your neighborhood Virginia Beach agents, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who may not provide internet price quotes and these regional carriers provide coverage only through independent agents.

As you prepare to switch companies, it’s not a good idea to buy less coverage just to save a little money. There are too many instances where consumers will sacrifice liability coverage limits only to discover later that it was a big error on their part. Your goal is to buy the best coverage you can find at a price you can afford while still protecting your assets.

Additional insurance information is located below:

• How to Avoid Staged Accidents (State Farm)
• How Much are Car Insurance Rates for Drivers Requiring a SR22 in Virginia Beach? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for Safe Drivers in Virginia Beach? (FAQ)
• Who Has Cheap Car Insurance Quotes for a Dodge Ram in Virginia Beach? (FAQ)
• Who Has Affordable Auto Insurance Rates for 4×4 Vehicles in Virginia Beach? (FAQ)
• Top Signs Your Brakes are Giving Out (State Farm)
• Coverage Information (Progressive Insurance)
• Side Impact Crash Tests (iihs.org)