Save Money on Pontiac Vibe Insurance in El Paso

The preferred way to find discount Pontiac Vibe insurance in El Paso is to compare prices annually from companies in Texas.

An important bit of advice to remember is that you use similar coverage information on every quote and and to get price quotes from every company you can. This guarantees the most accurate price comparison and a complete price analysis.

Discount Pontiac Vibe insuranceA recent study revealed that the majority of drivers have remained with the same insurance company for well over three years, and almost half have never quoted rates to find lower-cost coverage. American consumers could save themselves roughly $860 a year by just comparing rate quotes, but most just don’t grasp how much savings they would realize if they bought a different policy.

Educated Choices Result in Lower Insurance Prices

Many different elements are part of the calculation when pricing auto insurance. Most are fairly basic like a motor vehicle report, but some are less apparent such as your marital status or your financial responsibility. The best way to find cheaper car insurance is to take a look at some of the elements that go into determining your premiums. If you have some idea of what determines base rates, this allows you to make educated decisions that will entitle you to better car insurance rates.

The following are some of the most common factors car insurance companies consider when setting prices.

Data for Pontiac Vibe insurance

The table shown below outlines a range of rate quotes for Pontiac Vibe models. Being more informed about how car insurance premiums are established helps drivers make informed decisions when comparing rates.

Pontiac Vibe Insurance Rates in El Paso, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vibe 1.8 $156 $306 $366 $22 $110 $960 $80
Vibe 2.4 $156 $306 $366 $22 $110 $960 $80
Vibe AWD $176 $360 $366 $22 $110 $1,034 $86
Vibe GT $176 $360 $366 $22 $110 $1,034 $86
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Prices do not factor in your specific El Paso location which can raise or lower auto insurance rates greatly.

Should you raise deductibles?

One of the more difficult decisions when buying insurance is which comprehensive and collision deductibles to buy. The comparisons below highlight how much more rates are between low and high physical damage deductibles. The first rate table uses a $100 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Pontiac Vibe insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vibe 1.8 $328 $592 $324 $20 $96 $1,385 $115
Vibe 2.4 $328 $592 $324 $20 $96 $1,385 $115
Vibe AWD $370 $698 $324 $20 $96 $1,533 $128
Vibe GT $370 $698 $324 $20 $96 $1,533 $128
Get Your Own Custom Quote Go

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
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rate information does not factor in vehicle location which can change coverage rates substantially.

Based on the data above, we can derive that using a $100 deductible will cost you approximately $40 more each month or $480 a year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 23 months between claims, you would save money by selecting a higher deductible.

The chart below shows how choosing a deductible and can influence Pontiac Vibe insurance rates for each age group. The rate quotes are based on a single male driver, comp and collision included, and no discounts are taken into consideration.

Gender-based insurance rates

The illustration below compares Pontiac Vibe insurance rates for male and female drivers. The prices are based on no violations or claims, comp and collision included, $1,000 deductibles, drivers are single, and no policy discounts are applied.

Car insurance discounts are available to cut your rates

Some insurance providers don’t always publicize the entire discount list very well, so here is a list some of the more common and the more hidden credits that you can use to lower your rates.Car insurance discounts

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most only cut the price of certain insurance coverages like comprehensive or collision. Despite the appearance that it’s possible to get free car insurance, you’re out of luck. Any amount of discount should help lower your policy premium.

The illustration below visualizes the comparison of Pontiac Vibe yearly insurance costs with and without discounts applied to the rates. The information is based on a male driver, no violations or accidents, Texas 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 homeowner, multi-policy, multi-car, marriage, safe-driver, and claim-free discounts applied.

Companies and a selection of discounts are shown below.

When getting a coverage quote, ask each insurance company what discounts are available to you. Some discounts listed above may not apply to policies in your area. To see a list of providers that provide some of the discounts listed above in Texas, click here to view.

One last thing to lower rates

We just presented many tips how you can get a better price on Pontiac Vibe insurance in El Paso. The most important thing to understand is the more companies you get prices for, the better your chances of lowering your prices. Drivers may even discover the best premium rates are with the least-expected company. Regional companies may only write in your state and offer lower prices compared to the large companies like GEICO and State Farm.

When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. In many cases, someone sacrificed liability coverage limits to discover at claim time that they should have had better coverage. The goal is to find the BEST coverage at the best cost but still have enough coverage for asset protection.

Cheap Pontiac Vibe insurance in El Paso is possible from both online companies in addition to local insurance agencies, so you should compare both in order to have the best chance of saving money. Some insurance providers don’t offer price quotes online and these smaller providers sell through local independent agencies.

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