How to Compare Los Angeles Pontiac Vibe Insurance

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Insurance quote for Pontiac Vibe in Los AngelesHow many times have you put off comparing quotes for more competitive auto insurance rates in Los Angeles, CA? Los Angeles buyers have many options when searching for affordable Pontiac Vibe insurance. They can either waste time calling around to compare prices or utilize the internet to make rate comparisons.

There are both good and bad ways to shop for auto insurance so we're going to tell you the proper way to compare rates for a new or used Pontiac and obtain the best price possible either online or from Los Angeles insurance agents.

You should make it a habit to compare prices every six months because auto insurance rates fluctuate regularly. Even if you got the best deal on Pontiac Vibe insurance in Los Angeles last year you can probably find a better price now. There is too much inaccurate information about Vibe insurance on the internet, but in just a couple of minutes you can learn some solid techniques on how to lower your auto insurance premiums.

If you are already insured or are looking for a new policy, you can use these tips to reduce the price you pay and still have adequate protection. The purpose of this article is to tell you how auto insurance companies operate and how you can save the most money. Drivers just need to learn the most efficient way to compare different rates instantly.

Companies offering cheap Pontiac Vibe prices in Los Angeles, CA

The companies in the list below offer price comparisons in Los Angeles, CA. If multiple companies are listed, we suggest you visit several of them to find the most competitive auto insurance rates.

Facts and figures for Pontiac Vibe insurance

The data table displayed next outlines detailed analysis of insurance premium costs for Pontiac Vibe models. Being able to understand how insurance policy premiums are established can be useful when making smart choices when purchasing an insurance policy.

Pontiac Vibe Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vibe 1.8 $278 $464 $376 $22 $112 $1,252 $104
Vibe 2.4 $278 $464 $376 $22 $112 $1,252 $104
Vibe AWD $314 $546 $376 $22 $112 $1,370 $114
Vibe GT $314 $546 $376 $22 $112 $1,370 $114
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Premium amounts do not factor in specific zip code location which can lower or raise price quotes greatly.

Physical damage deductible comparison

When buying insurance, a common question is where to set your physical damage deductibles. The figures shown below may help you to understand the difference in cost when you select higher and lower physical damage coverage deductibles. The first table uses a $250 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.

Pontiac Vibe insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vibe 1.8 $342 $576 $376 $22 $112 $1,453 $121
Vibe 2.4 $342 $576 $376 $22 $112 $1,453 $121
Vibe AWD $386 $678 $376 $22 $112 $1,599 $133
Vibe GT $386 $678 $376 $22 $112 $1,599 $133
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Pontiac Vibe insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vibe 1.8 $210 $362 $376 $22 $112 $1,082 $90
Vibe 2.4 $210 $362 $376 $22 $112 $1,082 $90
Vibe AWD $238 $426 $376 $22 $112 $1,174 $98
Vibe GT $238 $426 $376 $22 $112 $1,174 $98
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in Los Angeles location which can decrease or increase premiums considerably.

We can estimate from the data above that using a $250 deductible costs about $33 more each month or $396 for a full year than buying the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 23 months between claims, you would probably be better off by selecting a higher deductible.

The illustration below shows how choosing a deductible and can increase or decrease Pontiac Vibe insurance premiums for different ages of insureds. The data is based on a single male driver, full coverage, and no discounts are taken into consideration.

Male drivers compared to female drivers

The information below shows the difference between Pontiac Vibe insurance costs for male and female drivers. The premium estimates are based on a clean driving record, no at-fault accidents, full physical damage coverage, $1,000 deductibles, single marital status, and no other discounts are factored in.

Price comparison of only insuring for liability

The example below shows the comparison of Pontiac Vibe insurance premiums with full physical damage coverage compared to only buying liability only. The premium estimates are based on no accidents, no driving violations, $250 deductibles, single marital status, and no discounts are applied to the premium.

Deciding between full coverage and liability only

There is no definitive rule to drop comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is more than 10% of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let's assume your Pontiac Vibe replacement cost is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $3,000 after paying your policy deductible. If you are paying in excess of $300 annually for your policy with full coverage, then you might want to think about dropping full coverage.

There are some cases where removing full coverage is not financially feasible. If you still have a lienholder on your title, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should not drop full coverage.

Save with these discounts

Companies do not advertise every policy discount in a way that's easy to find, so here is a list a few of the more common and the harder-to-find discounts that you may qualify for. If you do not double check each discount you qualify for, you're paying more than you need to.Discount insurance

  • Telematics Devices - People who choose to allow driving data submission to spy on driving manner by using a telematic data system such as Progressive's Snapshot may get a rate reduction if they show good driving skills.
  • Discount for Low Mileage - Fewer annual miles on your Pontiac could qualify for substantially lower rates.
  • Waiver for an Accident - This one is not really a discount per se, but some insurance companies will turn a blind eye to one accident before raising your premiums with the catch being you have to be claim-free prior to the accident.
  • Save with a New Car - Putting coverage on a new Vibe can save up to 30% due to better safety requirements for new vehicles.
  • Military Discounts - Having a deployed family member can result in better insurance rates.
  • Memberships - Being a member of qualifying clubs or civic groups could earn you a nice discount when getting a Los Angeles car insurance quote.

Discounts lower rates, but most discount credits are not given to the overall cost of the policy. Most cut specific coverage prices like comprehensive or collision. Just because it seems like adding up those discounts means a free policy, you're out of luck.

The illustration below shows the comparison of Pontiac Vibe insurance prices with and without discounts applied to the rates. The premium estimates are based on a female driver, no accidents, no driving violations, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, multi-car, multi-policy, and homeowner discounts applied.

A list of insurance companies and their offered discounts are shown below.

  • State Farm policyholders can earn discounts including good driver, Steer Clear safe driver discount, Drive Safe & Save, student away at school, and good student.
  • Progressive may include discounts for multi-policy, homeowner, online quote discount, good student, continuous coverage, online signing, and multi-vehicle.
  • Travelers has discounts for multi-policy, good student, multi-car, save driver, payment discounts, student away at school, and early quote.
  • American Family may offer discounts for Steer into Savings, early bird, accident-free, TimeAway discount, mySafetyValet, and air bags.
  • Liberty Mutual offers premium reductions for new graduate, newly retired, hybrid vehicle, new vehicle discount, teen driver discount, and good student.

Double check with every company which discounts they offer. Some of the discounts discussed earlier may not apply to policies in your area. To see a list of providers offering insurance discounts in California, click this link.

How Your Vibe Insurance Premiums are Determined

Part of the car insurance buying process is learning some of the factors that are used to determine car insurance rates. If you have a feel for what determines premiums, this enables informed choices that may reward you with better car insurance rates. Many factors are used in the calculation when pricing auto insurance. Some of the criteria are obvious such as your driving history, but others are less obvious such as your credit history and annual miles driven.

Shown below are some of the items that factor into premiums.

  • Teenage drivers pay higher rates - Older drivers tend to be more responsible, tend to cause fewer accidents, and are generally more financially stable. Inexperience drivers are statistically proven to be more careless when driving therefore car insurance rates are much higher.

    The following chart uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.

  • Demanding vocation may mean higher rates - Jobs such as lawyers, executives, and financial analysts usually pay the highest average rates in part from intense work requirements and lengthy work days. Other occupations such as professors, athletes and retirees have the lowest average rates.
  • A coverage lapse is a bad thing - Driving with no insurance is illegal and companies may charge more for letting your coverage cancel without a new policy in place. In addition to paying higher premiums, getting caught without coverage may earn you fines and jail time.
  • The higher your credit rating the lower your prices - Your credit history is a big factor in calculating your premium rate. Drivers with very high credit ratings tend to be better risks to insure than drivers with poor credit. Therefore, if your credit history can use some improvement, you may save money insuring your Pontiac Vibe if you clean up your credit.

Exclusive versus independent insurance agents

Some consumers would prefer to get professional advice from a licensed agent and there is nothing wrong with that. Experienced insurance agents are trained risk managers and will help you if you have claims. One of the benefits of getting online price quotes is that you can obtain the lowest rates and still choose a local agent. And supporting local agencies is definitely important in Los Angeles.

Find insurance agent in Los AngelesAfter completing this simple form, your insurance data is submitted to insurance agents in Los Angeles that can give you free Los Angeles car insurance quotes to get your business. It simplifies rate comparisons since you won't have to contact any agents since price quotes are sent to you. In the event you want to compare prices from a specific insurance company, don't hesitate to visit that company's website and give them your coverage information.

What types of car insurance agents are in Los Angeles?

If you're trying to find a reliable insurance agency, you need to know there are two types of insurance agents and how they are slightly different. Agencies in Los Angeles are considered either independent agents or exclusive agents depending on their employer. Both write policy coverage, but it's important to point out how they differ since it can affect which agent you choose.

Independent Auto Insurance Agencies

Independent insurance agents are not locked into one company and that allows them to write policies through lots of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, an independent agent can move your coverage and you won't have to switch agencies. When shopping rates, we highly recommend that you get some free quotes from independent agents to maximize your price options. A lot of them also have access to smaller regional carriers which can be an advantage.

The following is a partial list of independent insurance agents in Los Angeles who can help you get free auto insurance rate quotes.

View more Los Angeles agents

Exclusive Auto Insurance Agents

Exclusive agencies have only one company to place business with and examples are State Farm, AAA, and Liberty Mutual. Exclusive agents cannot compare other company's rates so it's a take it or leave it situation. Exclusive agents are usually quite knowledgeable on what they offer which aids in selling service over price. Some consumers prefer to buy from the same agent for years mostly because of the prominence of the brand rather than low rates.

Below are exclusive agencies in Los Angeles that are able to give price quotes.

View more Los Angeles agents

Picking the best auto insurance agent requires more thought than just the price. The answers to these questions are important, too.

  • In the event of vehicle damage, can you pick the collision repair facility?
  • Where would glass claims be handled in Los Angeles?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Do you qualify for any additional discounts?
  • Is the agency involved in supporting local community causes?

Cheaper car insurance rates are available

Drivers change insurance companies for a number of reasons such as delays in paying claims, questionable increases in premium, policy cancellation or even not issuing a premium refund. It doesn't matter what your reason, finding a new car insurance company is actually quite simple.

We've covered many ideas to lower your Pontiac Vibe insurance rates in Los Angeles. The key concept to understand is the more times you quote, the better chance you'll have of finding inexpensive Los Angeles car insurance quotes. Consumers could even find that the best price on car insurance is with a small local company.

While you're price shopping online, you should never skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced uninsured motorist or liability limits to discover at claim time that it was a big mistake. The goal is to buy a smart amount of coverage at the lowest possible cost, not the least amount of coverage.

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