Cheapest Riverside Pontiac Vibe Insurance

Discount Pontiac Vibe insuranceIt’s an obvious statement that auto insurance companies want to keep you from comparing prices. Drivers who do rate comparisons are very likely to move their business because there is a great chance of finding lower prices. A study showed that consumers who routinely shopped for cheaper coverage saved $3,400 over four years compared to other drivers who don’t make a habit of comparing rates.

If finding the cheapest rates on auto insurance in Riverside is your ultimate objective, then knowing how to find and compare insurance rates can help make the process easier.

The most effective way to find cheaper Pontiac Vibe insurance in Riverside is to compare prices annually from different companies who provide auto insurance in California. Prices can be compared by following these steps.

A good tip to remember is to use the same deductibles and limits on each price quote and and to compare as many companies as possible. Doing this guarantees a fair rate comparison and a complete price analysis.

If you are insured now, you should be able to buy cheaper insurance using the ideas covered in this article. This information will let you in on the best methods to compare rates and also save some money in the process Nevertheless, California car owners can benefit from knowing the way companies determine premium rates because rates fluctuate considerably.

How to buy Riverside Pontiac Vibe insurance online

Just remember that comparing a large number of companies helps increase your odds of locating a better price.

The companies in the list below can provide free quotes in California. If multiple companies are listed, it’s a good idea that you visit two to three different companies to find the most affordable car insurance rates.

Why you need insurance for your Pontiac vehicle

Despite the potentially high cost of Pontiac Vibe insurance, paying for car insurance serves an important purpose.

First, almost all states have minimum liability requirements which means it is punishable by state law to not carry specific limits of liability insurance coverage if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your vehicle has a lienholder, most lenders will make it a condition of the loan 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 significantly higher premium and require you to pay for the expensive policy.

Third, car insurance preserves both your assets and your car. It will also pay for most medical and hospital costs for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay to defend you if you cause an accident and are sued. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of carrying adequate insurance are without a doubt worth the cost, particularly for liability claims. The average driver in America is overpaying more than $865 each year so it’s recommended you shop around at every renewal to ensure rates are competitive.

Coverage statistics and figures

The premium table below covers different policy rates for Pontiac Vibe models. Learning a little about how insurance premiums are figured can be valuable when making smart choices when comparing insurance rates.

Pontiac Vibe Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vibe 1.8 $182 $372 $424 $26 $128 $1,132 $94
Vibe 2.4 $182 $372 $424 $26 $128 $1,132 $94
Vibe AWD $204 $440 $424 $26 $128 $1,222 $102
Vibe GT $204 $440 $424 $26 $128 $1,222 $102
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in the specific area where the vehicle is garaged which can revise insurance rates noticeably.

Physical damage deductibles

One of the most common car insurance questions is how high should the physical damage deductibles be. The rates shown below summarize the rate fluctuation between low and high insurance deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.

Pontiac Vibe insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vibe 1.8 $342 $576 $376 $22 $112 $1,453 $121
Vibe 2.4 $342 $576 $376 $22 $112 $1,453 $121
Vibe AWD $386 $678 $376 $22 $112 $1,599 $133
Vibe GT $386 $678 $376 $22 $112 $1,599 $133
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Pontiac Vibe insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vibe 1.8 $278 $464 $376 $22 $112 $1,252 $104
Vibe 2.4 $278 $464 $376 $22 $112 $1,252 $104
Vibe AWD $314 $546 $376 $22 $112 $1,370 $114
Vibe GT $314 $546 $376 $22 $112 $1,370 $114
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Price estimates do not factor in Riverside location which can revise coverage prices noticeably.

Using the premium rates above, we can conclude that using a $250 deductible costs about $18 more each month or $216 for a full year than opting for the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average at least 14 months between claims, you would probably come out ahead if you opt for a higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $250 deductibles: $127
Average monthly premium for $500 deductibles (subtract): – $109
Monthly savings from raising deductible: $18
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One important caveat is that raising deductibles to save money means you will have to cover more of the damage yourself at claim time. It will be required that you have enough money in the bank in the event you need to pay more to get your vehicle repaired.

The illustration below illustrates how your choice of deductibles and can change Pontiac Vibe insurance rates for different age categories. The costs are based on a married male driver, full physical damage coverage, and no policy discounts are applied.

Accidents and violations increase rates

The illustration below highlights how traffic violations and at-fault fender-benders can affect Pontiac Vibe car insurance costs for different insured age categories. The premium estimates are based on a married female driver, full coverage, $500 deductibles, and no additional discounts are factored in.

Do you qualify for discounts on Pontiac Vibe insurance in Riverside?

Car insurance companies do not list all available discounts in a way that’s easy to find, so the following list contains both well-publicized as well as the least known credits available to bring down your rates. If you don’t get every credit you qualify for, you are not getting the best rate possible.Cheaper car insurance with discounts

A quick disclaimer, most discounts do not apply to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. If you do the math and it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

The chart below visualizes the comparison of Pontiac Vibe insurance prices with and without discounts. The premiums assume a female driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, claim-free, homeowner, and multi-car discounts applied.

A list of car insurance companies and some of the discounts can be found below.

When getting a coverage quote, ask each insurance company how you can save money. Some discounts may not apply to policies in your area. To choose insurance companies who offer car insurance discounts in California, click here.

Riverside auto insurance companies

Finding a highly-rated insurance provider can be difficult considering how many different companies there are to choose from in California. The company rank data shown next could help you pick which auto insurers you want to consider comparing rates with.

Top 10 Riverside Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

Top 10 Riverside Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+