Car Insurance Quotes for a Pontiac Vibe in San Antonio

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Discount Pontiac Vibe insuranceHave you had enough of paying out the nose to pay high insurance rates every month? You are in the same boat as the majority of other people in Texas.

It's a fact that auto insurance companies don't want you quoting rates from other companies. Insureds who shop around for better prices are inclined to switch insurance companies because they have good chances of finding a more affordable policy. Surprisingly, a recent survey revealed that consumers who compared prices regularly saved $70 a month compared to people who never shopped around for better prices.

If finding the best rates on car insurance in San Antonio is your ultimate goal, then having a good understanding how to choose a company and compare cheaper coverage can make it simple to find affordable coverage.

There are many car insurance companies to insure vehicles with, and although it's a good thing to be able to choose, having more auto insurance companies makes it harder to find the lowest cost provider for Pontiac Vibe insurance in San Antonio.

Buying affordable car insurance in San Antonio is easy if you know what you're doing. Just about every vehicle owner who shops for car insurance will be able to find better rates. Although Texas drivers do need to understand the way insurance companies market insurance on the web and apply this information to your search.

The best way to get policy rate comparisons for Pontiac Vibe insurance in San Antonio is to take advantage of the fact almost all companies have advanced systems to give you rate quotes. The only thing you need to do is provide details including distance driven, if it has an alarm system, the year, make and model of vehicles, and if your license is active. Your insurance information is instantly submitted to multiple insurance providers and they respond with quotes immediately.

To compare affordable Pontiac Vibe insurance rates now, click here and see if a lower rate is available in San Antonio.

The companies shown below are our best choices to provide quotes in Texas. If multiple companies are shown, we suggest you get rates from several of them to get a more complete price comparison.

Pontiac Vibe insurance analysis

The price information shown next showcases estimates of prices for Pontiac Vibe models. Learning how insurance rates are figured can be useful when making informed decisions.

Pontiac Vibe Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vibe 1.8 $226 $412 $304 $18 $92 $1,052 $88
Vibe 2.4 $226 $412 $304 $18 $92 $1,052 $88
Vibe AWD $256 $486 $304 $18 $92 $1,156 $96
Vibe GT $256 $486 $304 $18 $92 $1,156 $96
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Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Prices do not factor in vehicle garaging location which can modify coverage prices considerably.

Deductible comparison

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The data tables below show the rate fluctuation between low and high physical damage deductibles. The first set of rates uses a $250 deductible for comp and collision and the second price chart uses a $1,000 deductible.

Pontiac Vibe insurance 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 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 based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Prices do not factor in specific zip code location which can influence premiums noticeably.

Based on these figures, using a $250 deductible costs an average of $28 more each month or $336 every year than quoting the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you have at least 27 months between claim filings, you would probably save some money by selecting a higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $250 deductibles: $110
Average monthly premium for $1,000 deductibles (subtract): - $82
Monthly savings from raising deductible: $28
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

One thing to be aware of is that increasing deductibles to save money means you will have to pay more when you have to file a claim. That will force you to have some extra savings in the event you need to pay the deductible for vehicle repair.

The chart below illustrates how your deductible choice and can impact Pontiac Vibe insurance premiums for each age group. The data assumes a single female driver, comprehensive and collision coverage, and no discounts are applied.

How Your Vibe Insurance Premiums are Determined

Consumers need to have an understanding of the different types of things that play a part in calculating the level of your policy premiums. If you understand what positively or negatively impacts your premiums, this enables informed choices that will entitle you to lower rates. Many factors are part of the calculation when premium rates are determined. Some are pretty understandable like a motor vehicle report, but other criteria are not quite as obvious such as your marital status or your vehicle rating.

Low stress vocation equals lower rates - Did you know your occupation can influence how much you pay for car insurance? Careers such as military generals, architects, and dentists tend to have the highest average rates in part from high stress and lots of time spent away from family. On the other hand, careers such as professors, students and retirees get better rates.

Liability protection is cheap - The liability section of your policy will afford coverage if ever you are found liable for damages from an accident. Liability provides legal defense which can be incredibly expensive. Liability insurance is pretty cheap as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.

Women pay lower premiums - Statistics show that females take fewer risks when driving. Now that doesn't mean men are worse drivers. Males and females get in auto accidents in similar numbers, but men tend to have more serious accidents. Not only are claims higher, but men receive more costly citations like DWI (DUI) or reckless driving. Males from age 16 to 21 generally have the highest accident percentage and are penalized with high car insurance rates.

The illustration below compares Pontiac Vibe insurance costs for male and female drivers. The premiums assume a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, drivers are single, and no other discounts are factored in.

Discounts for multiple policies - The majority of car insurance companies give a discount to customers that purchase more than one policy in the form of a multi-policy discount. The discount can be ten or even up to twenty percent in some cases. Even with this discount, it's still a good idea to compare Pontiac Vibe rates in San Antonio to make sure you are getting the best deal. Consumers may save money by buying car insurance from a different company.

Better rates for being claim-free - Car insurance companies in Texas give the lowest premiums to policyholders who do not file claims often. If you are the type of insured that files lots of claims you can look forward to much higher rates or policy non-renewal. Your insurance policy is meant to be used in the event of claims that pose a financial burden.

Pay more by driving carelessly - A bad driving record has a lot to do with how much you pay for insurance. Getting just one speeding ticket can bump up the cost forty percent or more. Good drivers pay less for auto insurance compared to bad drivers. Drivers unfortunate enough to have severe violations such as DUI or reckless driving are required to prove financial responsibility with their state's department of motor vehicles in order to prevent a license revocation.

The chart below highlights how speeding tickets and at-fault claims impact Pontiac Vibe car insurance costs for each age group. The information is based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

Better premiums on safer cars - Safer cars tend to have better insurance rates. Safe vehicles have better occupant injury protection and fewer injuries means your insurance company pays less passed on to you as lower rates.

Add-on coverages can cost a lot - Insurance companies have many extra coverages that you can buy on your car insurance policy. Coverages for rental car reimbursement, high-cost glass coverage, and membership fees may not be needed and are just wasting money. They may seem good when deciding what coverages you need, but if you don't need them eliminate the coverages to reduce your premium.

It may be expensive, but it's not optional

Even though it can be expensive, insurance may be required for several reasons.

  • Just about all states have compulsory liability insurance requirements which means state laws require a minimum amount of liability insurance coverage if you drive a vehicle. 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 bought your vehicle with a loan, most banks will have a requirement that you buy full coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank or lender will purchase a policy for your Pontiac at a much higher premium rate and require you to reimburse them for the expensive policy.
  • Auto insurance preserves not only your Pontiac Vibe but also your financial assets. It will also cover medical transport and hospital expenses incurred in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.

The benefits of insuring your car are definitely more than the cost, particularly when you have a large claim. On average, a vehicle owner in San Antonio overpays more than $869 every year so it's recommended you shop around every year to make sure the price is not too high.