Save Money on Pontiac Vibe Insurance in Columbus

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Insurance quote for Pontiac Vibe in ColumbusAre you tired of overpaying and want lower-priced Pontiac Vibe insurance in Columbus? Finding low cost rates on Pontiac Vibe insurance in Columbus is challenging for beginners to online rate comparisons. You have so many options that it can turn into a big hassle to compare rates on Pontiac Vibe insurance.

It's an obvious assumption that insurance companies want to keep you from comparing rates. Consumers who shop around for the cheapest rate will, in all likelihood, buy a different policy because there is a high probability of finding a more affordable policy. A survey found that consumers who routinely compared rates saved over $850 each year compared to other drivers who don't make a habit of comparing rates.

If finding the lowest price on Pontiac Vibe insurance in Columbus is your ultimate target, then learning a little about how to quote and compare coverage rates can help simplify the task of finding more affordable coverage.

Finding affordable auto insurance coverage in Columbus can be much easier if you know how to start. If you're already insured, you stand a good chance to be able to get lower rates using these techniques. Although Ohio consumers must understand how companies determine premium rates.

When comparing car insurance rates, know that quoting more gives you a better chance of getting the best offered rates. Some insurance companies are not set up to provide online Columbus Vibe insurance quotes, so you should also compare rates from them as well.

The following companies provide comparison quotes in Ohio. If multiple providers are shown, we recommend you visit several of them to get the most competitive price.

Insurance statistics and figures

The table shown below outlines detailed analysis of insurance policy prices for Pontiac Vibe models. Learning as much as possible about how policy premiums are formulated is important for making smart choices when selecting a policy.

Pontiac Vibe Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vibe 1.8 $196 $352 $192 $12 $58 $810 $68
Vibe 2.4 $196 $352 $192 $12 $58 $810 $68
Vibe AWD $220 $416 $192 $12 $58 $898 $75
Vibe GT $220 $416 $192 $12 $58 $898 $75
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Prices do not factor in your specific Columbus location which can decrease or increase premium rates substantially.

Policy deductibles

One frequently asked question is how high should your deductibles be. The premium rates below outline the price difference when you choose different insurance deductibles. The first set of rates uses a $100 deductible for physical damage and the second rate chart uses a $1,000 deductible.

Pontiac Vibe insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vibe 1.8 $196 $352 $192 $12 $58 $835 $70
Vibe 2.4 $196 $352 $192 $12 $58 $835 $70
Vibe AWD $220 $416 $192 $12 $58 $923 $77
Vibe GT $220 $416 $192 $12 $58 $923 $77
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Pontiac Vibe insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vibe 1.8 $108 $186 $192 $12 $58 $556 $46
Vibe 2.4 $108 $186 $192 $12 $58 $556 $46
Vibe AWD $122 $220 $192 $12 $58 $604 $50
Vibe GT $122 $220 $192 $12 $58 $604 $50
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Price estimates do not factor in specific zip code location which can affect rates significantly.

Based on the figures above, using a $100 deductible could cost the average driver approximately $26 more each month or $312 each year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 35 months between claims, you would probably come out ahead if you decide on a higher deductible.

Driving violations and accidents

The diagram below illustrates how traffic citations and at-fault accidents can drive up Pontiac Vibe auto insurance costs for different age categories. The rate quotes are based on a married male driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.

Pontiac Vibe liability-only versus full coverage

The example below shows the difference between Pontiac Vibe car insurance rates with and without full coverage. The data is based on no violations or claims, $500 deductibles, single marital status, and no policy discounts are applied.

Should you pay for full coverage or liability only?

There is no definitive rule for excluding comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, then it's probably a good time to buy liability coverage only.

For example, let's say your Pontiac Vibe replacement cost is $8,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $7,000 after you pay the deductible. If it's costing in excess of $700 annually for physical damage coverage, then you might consider buying liability only.

There are some scenarios where removing full coverage is not advised. If you haven't paid off your loan, you have to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.

Discounts for cheap insurance rates

Some companies don't list all their discounts very well, so we researched some of the best known and the more hidden credits available to you. If you do not double check each discount available, you are paying more than you should be.Discount insurance

  • Drivers Ed for Students - Have your child successfully complete driver's ed class in school or through a local driver safety program.
  • Fewer Miles Equal More Savings - Driving fewer miles could be rewarded with better prices on cars that stay parked.
  • Telematics Devices - Insureds who allow their insurance company to scrutinize driving patterns through the use of a telematics system such as Progressive's Snapshot could possibly reduce rates if they have good driving habits.
  • Anti-lock Brake System - Anti-lock brake equipped vehicles have fewer accidents and will save you 10% or more on Vibe insurance in Columbus.
  • Senior Citizens - If you're over the age of 55, you could receive a discount up to 10%.
  • Safety Restraint Discount - Using a seat belt and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Paperless Signup - A few larger online companies give back up to $50 get Columbus car insurance online.
  • Military Deployment Discount - Having an actively deployed family member can result in better insurance rates.
  • Own a Home and Save - Just owning your own home can earn you a little savings because of the fact that having a home requires a higher level of personal finance.

It's important to understand that some of the credits will not apply to the entire cost. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though you would think all those discounts means the company will pay you, insurance companies aren't that generous. Any qualifying discounts will definitely lower the cost of coverage.

The information below shows the difference between Pontiac Vibe car insurance rates with and without discounts applied. The rates are based on a female driver, a clean driving record, no claims, Ohio 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 safe-driver, homeowner, multi-policy, multi-car, marriage, and claim-free discounts applied.

Some companies who might offer most of these discounts are:

Check with every company which credits you are entitled to. A few discounts may not apply to policies in Columbus. For a list of insurers who offer cheap Pontiac Vibe insurance quotes in Ohio, follow this link.

Three good reasons to insure your Pontiac vehicle

Despite the high cost, insuring your vehicle is required in Ohio but it also protects you in many ways.

  • Almost all states have mandatory liability insurance requirements which means you are required to carry specific limits of liability protection in order to drive the car legally. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you have a lien on your Vibe, it's most likely the lender will require that you have physical damage coverage to guarantee payment of the loan. If you do not keep the policy in force, the lender may insure your Pontiac at a more expensive rate and force you to pay for the much more expensive policy.
  • Insurance protects your vehicle and your assets. It will also provide coverage for medical bills for both you and anyone you injure as the result of an accident. Liability coverage will also pay attorney fees if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, comprehensive and/or collision insurance will pay to have it repaired.

The benefits of buying enough insurance are definitely more than the cost, particularly when you have a large claim. The average driver in Ohio overpays as much as $820 a year so it's very important to do a rate comparison once a year at a minimum to ensure rates are competitive.

Car insurance quotes from local Columbus insurance agents

Certain consumers prefer to have an agent's advice and that is a personal choice. The biggest benefit of comparing rates online is you can get lower premium rates and still have a local agent.

Find insurance agent in ColumbusFor easy comparison, once you complete this simple form, your coverage information is emailed to local insurance agents in Columbus who will give you bids for your car insurance coverage. There is no need to even leave your home because prices are sent to your email. You can most likely find cheaper rates and a licensed agent to talk to. If you need to get a price quote from a specific company, don't hesitate to go to their quote page and submit a quote form there.

Choosing the best insurance company requires you to look at more than just a cheap price. The questions below may impact your decision as well.

  • Does the agency have a good rating with the Better Business Bureau?
  • Is coverage determined by price?
  • Is there a 24/7 contact number?
  • Is auto insurance their primary focus in Columbus?
  • By raising physical damage deductibles, how much would you save?
  • Is the agency involved in supporting local community causes?
  • Are they paid to recommend certain coverages?