Auto Insurance Quotes for a Pontiac Vibe in Sacramento

Would you like to save money by finding the cheapest Pontiac Vibe insurance in Sacramento? Cutting costs on Pontiac Vibe insurance in Sacramento can be very difficult for people new to online comparison shopping. With such a large choice of companies in the marketplace, it can easily become hard work to find better prices on Pontiac Vibe insurance.

It’s safe to assume that insurance companies don’t want their policyholders to compare prices. People who compare other rates are inclined to switch to a new company because of the good chance of finding coverage at a more affordable price. A study discovered that drivers who compared prices once a year saved $3,450 over four years as compared to drivers who never shopped for cheaper rates.

If finding the cheapest rates on Pontiac Vibe insurance is your goal, then learning about how to find and compare car insurance can make it easier to find better rates.

Cheapest companies for Pontiac Vibe insurance in California

The auto insurance companies shown below have been selected to offer price quotes in California. If your goal is to find cheap auto insurance in California, we suggest you visit several of them to get the cheapest price.

Coverage statistics and figures

The premium information below highlights different insurance rates for Pontiac Vibe models. Being aware of how policy premiums are formulated is important for you to make smart choices when purchasing an insurance policy.

Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in specific Sacramento garaging location which can modify auto insurance rates considerably.

Physical damage deductibles

One common question asked by Sacramento drivers is which deductible level should you buy. The data tables below summarize the cost difference when you buy lower versus higher physical damage coverage deductibles. The first price estimate table uses a $100 physical damage deductible and the second data table uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Information does not factor in garaging location in Sacramento which can influence premium rates considerably.

Based on this data, using a $100 deductible costs an average of $32 more each month or $384 each year averaged for all Vibe models than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 13 months between claim filings, you would more than likely save some money if you choose the higher deductible.

One thing to be aware of is that raising deductibles means you will have to cover more of the damage yourself when you have a claim. You must have some extra savings in order to pay the higher deductible in order to repair your vehicle.

Poor driving habits will raise your car insurance rates

The information below demonstrates how citations and accident claims can raise Pontiac Vibe auto insurance rates for different age categories. The premiums are based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.

Difference between liability only and full coverage rates

The example below compares Pontiac Vibe insurance prices with full coverage and liability only. The price estimates are based on no driving violations, no at-fault accidents, $1,000 deductibles, single status, and no discounts are applied.

Should you buy full coverage or liability only?

There is no clear-cut rule to stop buying physical damage coverage, but there is a guideline you can consider. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.

For example, let’s pretend your Pontiac Vibe book value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $8,000 after the deductible is paid. If you are currently paying more than $800 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some cases where removing full coverage is not advised. If you haven’t satisfied your loan, you have to carry full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Components of Your Pontiac Vibe Insurance Premiums

Consumers need to have an understanding of some of the elements that go into determining insurance rates. If you know what influences your rates, this helps enable you to make changes that can earn you cheaper rates.

Multiple policies with one company can save – Some insurance companies apply a discount to clients who buy several policies from them. It’s known as a multi-policy discount. Even if you already get this discount, it’s always a smart idea to get quotes from other companies to help guarantee you have the best rates.

The higher your credit rating the lower your premiums – Having a bad credit history is a big factor in determining premium rates. If your credit score leaves room for improvement, you could pay less to insure your Pontiac Vibe by taking the time to improve your credit score. Insureds that have excellent credit tend to be more responsible and file fewer claims than those with poor credit.

Drive less and pay lower prices – The more you drive your Pontiac every year the higher your rate. The majority of insurers rate vehicles based upon how the vehicle is primarily used. Vehicles that sit idle most of the time receive lower rates than cars that get driven a lot. Improper usage on your Vibe may be costing you higher rates. It’s a smart idea to ensure your insurance policy is showing annual mileage, because improper ratings can cost you money.

Your spouse saves you money – Having a wife or husband may cut your premiums on your insurance bill. It is viewed as being more mature than a single person and statistics prove married drivers tend to have fewer serious accidents.

Five star IIHS safety rating saves money – Vehicles that have high safety ratings get lower rates. Highly rated vehicles result in less severe injuries and reduced instances of injuries means your insurance company pays less and more competitive rates for policyholders. If your Pontiac Vibe has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.

Age of drivers – Older, more experienced drivers tend to be more responsible, tend to file fewer claims, and get fewer tickets. Teen drivers are statistically shown to be inattentive with other occupants in the car therefore insurance rates are much higher.

The following chart uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

Car insurance discounts help lower rates for Pontiac Vibe insurance in Sacramento

Some insurance providers don’t always list all possible discounts in a way that’s easy to find, so we took the time to find a few of the more common as well as some of the hidden credits available to lower your premiums when you buy Sacramento car insurance online.

• Low Mileage Discounts – Fewer annual miles on your Pontiac could qualify for cheaper prices.
• Early Payment Discounts – If you pay your bill all at once instead of paying each month you could save 5% or more.
• Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a discounted premium rate on car insurance if you buy life insurance from them.
• Theft Deterrent System – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
• Student Driver Training – It’s a good idea to have your young drivers successfully take a driver’s education course as it will make them better drivers and lower rates.
• Buy New and Save – Insuring a vehicle that is new may earn a small discount because newer vehicles keep occupants safer.

Don’t be surprised that some credits don’t apply to the whole policy. Most only apply to specific coverage prices like medical payments or collision. Despite the appearance that having all the discounts means you get insurance for free, it’s just not the way it works.

The illustration below compares Pontiac Vibe insurance premiums with and without discounts applied to the premium. The information is based on a male driver, no accidents, no driving violations, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, homeowner, marriage, safe-driver, and multi-policy discounts applied.

Popular car insurance companies and their possible discounts include:

• State Farm may have discounts that include good student, multiple autos, anti-theft, Steer Clear safe driver discount, student away at school, and passive restraint.
• GEICO offers discounts for membership and employees, five-year accident-free, daytime running lights, federal employee, anti-lock brakes, air bags, and anti-theft.
• Progressive may include discounts for online quote discount, homeowner, online signing, good student, and multi-vehicle.
• 21st Century may offer discounts for good student, homeowners, 55 and older, driver training, teen driver, anti-lock brakes, and early bird.
• American Family offers discounts including TimeAway discount, good student, air bags, early bird, and Steer into Savings.
• The Hartford policyholders can earn discounts including anti-theft, driver training, vehicle fuel type, defensive driver, bundle, and air bag.
• AAA has savings for good driver, multi-car, anti-theft, pay-in-full, good student, and education and occupation.

When getting a coverage quote, ask each insurance company which discounts you may be entitled to. Discounts may not be available in your area. If you would like to choose from a list of car insurance companies that offer some of these discounts in Sacramento, click this link.

Compare rate quotes but work with a local Sacramento insurance agency

A small number of people would prefer to go talk to an agent and that is not a bad decision One of the great benefits of comparing insurance prices online is that you can find lower prices and still have an agent to talk to. And supporting local insurance agents is especially important in Sacramento.

To help locate an agent, after submitting this quick form, your insurance data is submitted to insurance agents in Sacramento who will return price quotes for your business. There is no reason to leave your house since rate quotes are delivered to you. You can get cheaper insurance rates AND a local agent. In the event you want to compare rates from a specific company, don’t hesitate to find their quoting web page and fill out the quote form the provide.

Types of auto insurance agents in Sacramento

If you need to find a good Sacramento insurance agent, it helps to know the two types of insurance agents that you can choose from. Agents in Sacramento can be classified as either exclusive or independent (non-exclusive).

Independent Insurance Agents (or Brokers)

Independent insurance agents are not restricted to one company so they can quote policies with lots of companies and find you the best rates. If you want to switch companies, they simply move your policy to a different company which requires no work on your part. If you are comparing rate quotes, it’s a good idea to get insurance quotes from a couple of independent agencies for maximum quote selection. Many independent agencies also insure through small regional insurance companies which may provide better rates.

Listed below are independent agents in Sacramento that may be able to give you free insurance quotes.

• Peter S Schiro Ins Agcy Inc
  1515 30th St #200 – Sacramento, CA 95816 – (916) 444-9787 – View Map
• Indus Insurance Agency Incorporated
  6968 65th St – Sacramento, CA 95823 – (916) 391-3000 – View Map
• Styrsky Insurance Agency
  706 56th St – Sacramento, CA 95819 – (916) 361-8114 – View Map

More Sacramento agents

Exclusive Insurance Agencies

Exclusive agents write business for a single company like Allstate, Farmers Insurance or State Farm. Exclusive agents cannot compare rates from other companies so always compare other rates. They are highly trained in insurance sales which aids in selling service over price. Some insured continue to buy from the same agent for years mainly due to the brand name instead of buying on price only.

Listed below is a list of exclusive insurance agents in Sacramento who can help you get comparison quotes.

• Ron Andre – State Farm Insurance Agent
  394 Florin Rd – Sacramento, CA 95831 – (916) 428-2918 – View Map
• Jordan Backhaus – State Farm Insurance Agent
  4315 Elkhorn Blvd Ste B – Sacramento, CA 95842 – (916) 331-1135 – View Map
• Farmers Insurance: Brewer Insurance Agency
  6700 Freeport Blvd #101 – Sacramento, CA 95822 – (916) 424-4357 – View Map

More Sacramento agents

Picking the best car insurance agent requires more thought than just a cheap quote. Any agent in Sacramento should be forthright in answering these questions:

• Are they giving you every discount you deserve?
• What will you get paid if your car is a total loss? How is that amount determined?
• Does the company have a local claim office in Sacramento?
• Where would glass claims be handled in Sacramento?
• How long have they worked with personal auto insurance coverage?
• How are claims handled?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?

Keep this in mind when shopping around

Consumers switch companies for any number of reasons including high prices, an unsatisfactory settlement offer, unfair underwriting practices or being labeled a high risk driver. No matter why you want to switch, finding a great new company is not as difficult as it may seem.

In this article, we presented quite a bit of information on how to save on Pontiac Vibe insurance in Sacramento. The key thing to remember is the more quotes you get, the higher your chance of finding inexpensive Sacramento car insurance quotes. You may even find the lowest priced insurance comes from the least-expected company.

Lower-priced insurance in Sacramento is possible both online in addition to many Sacramento insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies may not offer the ability to get a quote online and many times these small, regional companies only sell through local independent agencies.

How to find the cheapest rates for Pontiac Vibe insurance in Sacramento

If your goal is the lowest price, then the best way to get discount Pontiac Vibe insurance in Sacramento is to start comparing rates regularly from different companies in California.

1. Gain an understanding of coverages and the things you can control to keep rates low. Many rating factors that cause high rates such as inattentive driving and a substandard credit score can be eliminated by making minor changes in your lifestyle.
2. Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like Progressive or Allstate, while agents who are independent can quote prices from multiple companies.
3. Compare the new rates to your existing coverage and determine if there is any savings. If you find a lower rate and switch companies, make sure coverage is continuous and does not lapse.
4. Tell your current company of your decision to cancel your current coverage and submit a down payment along with a completed application to your new carrier. When you receive it, put the new certificate verifying proof of insurance in a readily accessible location in your vehicle.

A tip to remember is to try to use the same coverage limits and deductibles on each quote request and and to get prices from as many different insurance providers as possible. Doing this enables an accurate price comparison and a complete rate analysis.

For more information, feel free to browse the articles below:

• Vehicle Safety Ratings (iihs.org)
• What Car Insurance is Cheapest for a Ford F-150 in Sacramento? (FAQ)
• How Much are Car Insurance Quotes for Felons in Sacramento? (FAQ)
• How Much are Car Insurance Quotes for Drivers Under 21 in Sacramento? (FAQ)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Drunk Driving Statistics (Insurance Information Institute)
• Property Damage Coverage (Liberty Mutual)