The easiest way to get cheaper Pontiac Vibe insurance is to start doing an annual price comparison from insurance carriers in Detroit. Rate comparisons can be done by following these steps.
- First, try to learn a little about coverages and the factors you can control to keep rates in check. Many risk factors that result in higher rates such as multiple speeding tickets and an unacceptable credit history can be rectified by making minor driving habit or lifestyle changes.
- Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from a single company like GEICO and Allstate, while agents who are independent can quote prices from multiple insurance companies.
- Third, compare the new rates to your current policy and determine if cheaper Vibe coverage is available in Detroit. If you find a lower rate and decide to switch, make sure coverage is continuous and does not lapse.
An important part of this process is that you’ll want to make sure you compare the same level of coverage on each quote request and and to get rates from as many companies as feasibly possible. This guarantees an apples-to-apples comparison and a thorough price selection.
It’s shocking but the majority of drivers kept their coverage with the same auto insurance company for over three years, and almost half have never compared rates to find cheaper insurance. Detroit insurance shoppers can cut their rates by $3,836 a year by just comparing quotes, but most undervalue the amount of money they would save if they switched to a more affordable policy.
Detroit insurance discounts
Insurance is not cheap nor is it fun to buy but you might already qualify for some discounts to help offset the cost. Many of these discounts will be applied automatically when you get a quote, but once in a while a discount must be asked for before you get the savings. If you’re not getting every credit available, you could be saving more on your insurance.
- Air Bags and Passive Restraints – Options like air bags or motorized seat belts may get savings of 25 to 30%.
- No Accidents – Drivers with accident-free driving histories pay less as opposed to insureds who have frequent claims or accidents.
- Discounts for New Vehicles – Insuring a new Vibe may earn a small discount because newer vehicles keep occupants safer.
- Active Military Service – Being on active deployment in the military could qualify you for better insurance rates.
- Anti-theft System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and that can save you a little bit as well.
- Distant College Student Discount – Any of your kids living away from Detroit attending college and leave their car at home may be insured at a cheaper rate.
- Organization Discounts – Joining qualifying clubs or civic groups could trigger savings on your next insurance statement.
- Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
Please keep in mind that most discounts do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, that’s just not realistic.
The illustration below illustrates the comparison of Pontiac Vibe premium costs with and without policy discounts. The premiums are based on a female driver, no violations or claims, Michigan state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, multi-car, marriage, homeowner, and safe-driver discounts applied.
A few popular companies and their possible discounts are detailed below.
- Farm Bureau includes discounts for multi-policy, youthful driver, renewal discount, 55 and retired, driver training, and safe driver.
- MetLife has discounts for good student, good driver, accident-free, defensive driver, claim-free, multi-policy
- Progressive offers premium reductions for homeowner, good student, online signing, multi-policy, and online quote discount.
- AAA policyholders can earn discounts including good driver, AAA membership discount, multi-policy, anti-theft, and pay-in-full.
- American Family offers discounts including air bags, Steer into Savings, good student, accident-free, bundled insurance, defensive driver, and TimeAway discount.
- GEICO may have discounts that include anti-lock brakes, five-year accident-free, military active duty, air bags, federal employee, and defensive driver.
- State Farm may offer discounts for passive restraint, defensive driving training, multiple autos, multiple policy, and accident-free.
If you want low cost Detroit car insurance quotes, ask each company the best way to save money. Some of the discounts discussed earlier might not be offered in every state. To choose insurance companies who offer free Pontiac Vibe insurance quotes in Detroit, follow this link.
To get affordable Detroit car insurance quotes, there a variety of ways to compare rate quotes from local Detroit car insurance companies. The easiest way by far to find the cheapest Pontiac Vibe insurance rates is to use the internet to compare rates. It’s important to know that obtaining a wide range of quotes helps improve the odds of finding more affordable rates. Not every company allows you to get online price quotes, so you need to compare price estimates from those companies as well.
The companies shown below can provide free quotes in Michigan. To buy the best cheap auto insurance in Detroit, we recommend you visit several of them in order to find the most competitive rates.
Data for Pontiac Vibe insurance
The coverage table shown next showcases a range of coverage costs for Pontiac Vibe models. Having knowledge of how auto insurance policy rates are calculated can assist in making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vibe 1.8 | $330 | $566 | $586 | $34 | $176 | $1,692 | $141 |
| Vibe 2.4 | $330 | $566 | $586 | $34 | $176 | $1,692 | $141 |
| Vibe AWD | $372 | $666 | $586 | $34 | $176 | $1,834 | $153 |
| Vibe GT | $372 | $666 | $586 | $34 | $176 | $1,834 | $153 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rate quotes do not factor in vehicle location which can impact auto insurance rates substantially.
The example below highlights how deductible selection and can change Pontiac Vibe premium costs for each age group. The rate quotes are based on a married male driver, full coverage, and no discounts are taken into consideration.
Pontiac Vibe insurance rates: Men versus women
The diagram below compares Pontiac Vibe insurance costs for male and female drivers. The premiums assume no accidents or driving violations, full coverage, $500 deductibles, drivers are single, and no discounts are taken into consideration.
Which is the best car insurance?
When quoting and comparing a policy, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.
These are some specific questions can aid in determining if your insurance needs would benefit from an agent’s advice.
- Are combined or split liability limits better?
- Can my babysitter drive my car?
- Why are teen drivers so expensive to add on to my policy?
- Which companies are cheaper for teen drivers?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Am I covered if I hit someone who is not insured?
- What is an SR-22 filing?
- Am I covered if my car is in a flood?
- When should I not buy collision coverage?
If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form.
Insurance agents can find coverage gaps
A small number of people prefer to talk to a local agent and that is not a bad decision A good thing about getting free rate quotes online is you may find cheap car insurance rates and still buy from a local agent.
Once you complete this form (opens in new window), your insurance coverage information is instantly submitted to agents in your area who want to provide quotes for your car insurance coverage. There is no need to contact any agents due to the fact that quote results will go to your email. You can find better rates AND an agent nearby. If you need to get a price quote from a specific insurance company, you would need to jump over to their website and fill out the quote form the provide.
Choosing an company shouldn’t rely on just the premium amount. These are valid questions to ask:
- Can they give you a list of client referrals?
- What kind of financial rating does the company have?
- Is assistance available after office hours?
- Can you contact them at any time?
- Are claim adjusters local or do you have to take your car somewhere else?
- Where would glass claims be handled in Detroit?
- What company do they have the most business with?
What type of Detroit auto insurance agent is right for you?
If you’re trying to find a reputable insurance agent or broker, you must know there are a couple types of agencies from which to choose. Car insurance agencies can be classified as either independent (non-exclusive) or exclusive.
Exclusive Agencies
These type of agents can only quote rates from one company like Allstate, AAA, Farmers Insurance, and State Farm. They usually cannot provide other company’s prices so you need to shop around if the rates are high. Exclusive agents are usually well trained in insurance sales and that allows them to sell at a higher price point. Many people use the same agent primarily because of the brand name and the convenience of having a single billing for all their coverages.
The following are exclusive agencies in Detroit that can give you price quote information.
- Michelle Sims – State Farm Insurance Agent
24970 W Outer Dr – Lincoln Park, MI 48146 – (313) 928-1348 – View Map - Allstate Insurance: Shauna Johnson
18711 Grand River Ave – Detroit, MI 48223 – (313) 272-2020 – View Map - State Farm – Eric Huffman
3031 W Grand Blvd #568 – Detroit, MI 48202 – (313) 875-3172 – View Map
Independent Car Insurance Agencies
Agents that choose to be independent can quote rates with many companies so they can write business with a variety of different insurance companies and find the cheapest car insurance rates. If you want to switch companies, they simply switch companies in-house which makes it simple for you. When searching for an agent, you will want to get insurance quotes from multiple independent agents so that you can do a thorough price comparison. Most have the option of insuring with lesser-known insurance companies that can offer cheaper rates than bigger companies.
Listed below is a list of independent agencies in Detroit that can give you price quote information.
- Kim-One Insurance Agency
11000 W McNichols Rd – Detroit, MI 48221 – (313) 397-4198 – View Map - Premier Insurance
16119 W Warren Ave – Detroit, MI 48228 – (313) 582-1500 – View Map - L.A. Insurance
17516 Livernois Ave – Detroit, MI 48221 – (313) 863-6000 – View Map
Upon receiving answers to your satisfaction to your questions and a good coverage price, you may have just found an auto insurance agent that meets the criteria to adequately provide car insurance. Just understand that once you purchase a policy you can cancel a policy at any time so never assume that you are obligated to any specific agency with no way to switch.
Cheaper insurance is a realistic goal
You just learned a lot of ways to shop for Pontiac Vibe insurance online. It’s most important to understand that the more companies you get premium rates for, the higher your chance of finding cheaper Detroit car insurance quotes. Consumers could even find that the lowest car insurance rates come from some of the lesser-known companies.
Consumers leave their current company for many reasons like poor customer service, being labeled a high risk driver, denial of a claim or extreme rates for teen drivers. Regardless of your reason for switching companies, switching insurance companies is not as difficult as it may seem.
When trying to cut insurance costs, it’s a bad idea to skimp on coverage in order to save money. There have been many situations where an accident victim reduced collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find at an affordable rate, but don’t skip important coverages to save money.
More information can be read on the following sites:
- Teen Driving and Texting (State Farm)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Vehicle Insurance in the U.S. (Wikipedia)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)