Best Rates for Pontiac Vibe Insurance in Lubbock

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Insurance quote for Pontiac Vibe in LubbockThe most effective way to get the cheapest Pontiac Vibe insurance in Lubbock is to compare quotes once a year from insurance carriers in Texas.

  1. Take a little time to learn about policy coverages and the steps you can take to prevent high rates. Many factors that cause high rates like speeding tickets, accidents and a substandard credit history can be eliminated by improving your driving habits or financial responsibility.
  2. Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from one company like Progressive and State Farm, while independent agencies can give you price quotes for many different companies. Start a quote
  3. Compare the price quotes to the price on your current policy to see if a cheaper price is available. If you find a lower rate quote and make a switch, make sure coverage is continuous and does not lapse.
  4. Provide notification to your current agent or company of your intent to cancel your existing policy and submit the required down payment along with the signed application to your new carrier. Once the paperwork is finalized, place the new certificate verifying proof of insurance with your registration paperwork.

The key aspect of shopping around is to try to use identical deductibles and limits on each price quote and and to get prices from as many auto insurance providers as possible. Doing this guarantees a level playing field and a good representation of prices.

Shocking but true, the vast majority of car insurance customers have purchased from the same company for more than four years, and virtually 40% of consumers have never even compared rates from other companies. Many drivers in Lubbock can cut their rates by almost 70% a year by just shopping around, but they just don't understand how easy it is to do a rate comparison.

When quoting car insurance, remember that more quotes helps locate a better price. Some companies don't provide online rate quotes, so you should also compare quotes from those companies as well.

The car insurance companies shown below provide free quotes in Texas. To locate cheap car insurance in Lubbock, we suggest you visit several of them in order to get a fair rate comparison.

Pontiac Vibe detailed coverage information

The premium information shown below outlines a range of insurance coverage prices for Pontiac Vibe models. Having knowledge of how policy premiums are determined can be of help when making smart choices when buying a policy.

Pontiac Vibe Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vibe 1.8 $314 $670 $422 $24 $126 $1,556 $130
Vibe 2.4 $314 $670 $422 $24 $126 $1,556 $130
Vibe AWD $356 $788 $422 $24 $126 $1,716 $143
Vibe GT $356 $788 $422 $24 $126 $1,716 $143
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Information does not factor in Lubbock location which can impact premiums significantly.

Auto insurance deductibles

The hardest decision when buying coverage is which deductibles should you choose. The tables below may help to illustrate the differences in price between low and high coverage deductibles. The first data table uses a $250 deductible for physical damage and the second pricing table uses a $1,000 deductible.

Pontiac Vibe insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vibe 1.8 $294 $496 $324 $20 $96 $1,255 $105
Vibe 2.4 $294 $496 $324 $20 $96 $1,255 $105
Vibe AWD $332 $584 $324 $20 $96 $1,381 $115
Vibe GT $332 $584 $324 $20 $96 $1,381 $115
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Pontiac Vibe insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vibe 1.8 $182 $312 $324 $20 $96 $934 $78
Vibe 2.4 $182 $312 $324 $20 $96 $934 $78
Vibe AWD $206 $368 $324 $20 $96 $1,014 $85
Vibe GT $206 $368 $324 $20 $96 $1,014 $85
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rates do not factor in specific garaging location which can revise price quotes greatly.

We can estimate from the data above that using a $250 deductible costs about $28 more each month or $336 for a full year averaged for all Vibe models than choosing the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you go more than 27 months between claim filings, you would save more money if you choose a higher deductible.

The chart below highlights how deductible selection and can influence Pontiac Vibe premium costs for each different age category. The data is based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

Annual premiums for males versus females in Lubbock

The diagram below illustrates the comparison of Pontiac Vibe insurance prices for male and female drivers. The rates are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no discounts are applied to the premium.

Should you buy full coverage?

The chart below shows the comparison of Pontiac Vibe insurance prices with full physical damage coverage and with liability coverage only. The prices are based on no claims or driving violations, $100 deductibles, single status, and no policy discounts are applied.

When to stop buying comprehensive and collision coverage

There is no set rule of when to phase out physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let's pretend your Pontiac Vibe book value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $3,000 after the deductible is paid. If you are paying more than $300 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are a few situations where eliminating full coverage is not a good idea. If you haven't paid off your loan, you have to carry full coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.

Three reasons to insure your vehicle

Even though Lubbock Vibe insurance rates can get expensive, insurance is not optional due to several reasons.

  • Almost all states have compulsory liability insurance requirements which means you are required to carry specific minimum amounts of liability protection in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you took out a loan on your Vibe, more than likely the lender will stipulate that you carry insurance to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank may insure your Pontiac at a significantly higher premium and require you to reimburse them for the expensive policy.
  • Insurance safeguards not only your Pontiac but also your assets. Insurance will pay for medical bills for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you cause an accident and are sued. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of buying enough insurance greatly outweigh the cost, particularly for liability claims. According to a recent study, the average American driver is currently overpaying as much as $865 each year so compare rate quotes at every renewal to ensure rates are inline.

Choices You Make Can Impact Your Insurance Rates

When buying insurance it's important to understand the different types of things that aid in calculating your insurance rates. If you have some idea of what positively or negatively impacts your premiums, this enables you to make decisions that can earn you lower premium levels. Many things are considered when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but other factors are less apparent like your vehicle usage and annual miles driven.

Shown below are some of the major factors that factor into rates.

Car and home together may be cheaper - Most major insurers afford better rates to clients that purchase more than one policy in the form of a multi-policy discount. Even though this discount sounds good, it's in your best interest to shop around to make sure you are getting the best deal. Drivers may still find better rates even if you insure with multiple companies

Coverage lapses raise premiums - Going without insurance will be a guaranteed way to increase your insurance rates. And not only will insurance be more expensive, being ticketed for driving with no insurance could result in a license revocation or jail time.

Deter theft and pay less - Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your insurance. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent vehicle theft.

Tickets drive up premiums - Just one driving citation can increase rates by twenty percent. Attentive drivers have lower premiums compared to bad drivers. Drivers who have received dangerous citations such as DWI, reckless driving or hit and run convictions are required to complete a SR-22 with the DMV in their state in order to continue driving.

The example below highlights how traffic violations and at-fault claims influence Pontiac Vibe insurance rates for different age groups of insureds. The prices are based on a married male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.

Drivers with responsible credit save - Your credit score will be a significant factor in calculating your insurance rates. If your credit history could use some work, you could pay less to insure your Pontiac Vibe by spending a little time repairing your credit. People that have good credit tend to be more responsible and file fewer claims than drivers with lower credit scores.

The best insurance company isn't always the cheapest

Cheaper car insurance in Lubbock is available from both online companies and from local agencies, and you should compare rates from both in order to have the best chance of saving money. Some car insurance companies do not provide the ability to get quotes online and many times these small insurance companies prefer to sell through independent agents.

We've covered some good ideas how you can reduce Pontiac Vibe insurance premium rates online in Lubbock. The most important thing to understand is the more quotes you get, the higher your chance of finding the cheapest Pontiac Vibe rate quotes. Consumers could even find that the lowest premium rates are with a small mutual company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and GEICO.

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