Want to learn how to save money and find the cheapest Pontiac Vibe insurance in San Diego? Paying for high-priced Pontiac Vibe insurance in San Diego can deplete your budget, especially in this economy. Comparing rates annually is an excellent way to make ends meet.
It’s amazing but almost 70% of insureds renewed their policy with the same company for four years or more, and 38% of customers have never even compared quotes to find affordable rates. The average driver in California could save an average of 35% each year just by shopping around, but they just feel it’s too hard to find affordable auto insurance rates.
Insurance companies such as Progressive, GEICO and Farmers Insurance increase brand awareness with ads and it is challenging if not impossible to ignore the promise of big savings and do the work needed to find the best deal.
If you have insurance now, you will most likely be able to reduce the price you pay using the ideas covered in this article. Buying affordable auto insurance in San Diego can be easy if you know a few tricks. But California vehicle owners can benefit by having an understanding of how companies market on the web because rates are impacted by many factors.
Get cheaper Pontiac Vibe insurance rates in San Diego
Auto insurance companies don’t always advertise every discount available very well, so the list below gives a summary of a few of the more common and also the more inconspicuous discounts that may be available.
- Multiple Cars – Drivers who insure multiple vehicles on a single policy can get a discount on all vehicles.
- Claim Free – Drivers who don’t have accidents pay less in comparison with policyholders that have many claims.
- Memberships – Being a member of certain professional organizations is a good way to get lower rates on your next insurance statement.
- Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you could save 5% or more.
- Lower Rates for Military – Being on active deployment in the military could qualify you for better prices.
- Senior Citizen Rates – Older drivers may be able to get a slight reduction on a San Diego car insurance quote.
- Defensive Driver Discounts – Successfully completing a course teaching safe driver skills can save you 5% or more and make you a better driver.
Please keep in mind that some of the credits will not apply to your bottom line cost. Most only cut the cost of specific coverages such as comp or med pay. Despite the appearance that all the discounts add up to a free policy, you’re out of luck.
A list of companies and a partial list of their discounts are outlined below.
- Farmers Insurance may offer discounts for pay in full, electronic funds transfer, distant student, switch companies, mature driver, and homeowner.
- Esurance may have discounts that include paid-in-full, claim free, renters, anti-lock brakes, and online shopper.
- State Farm includes discounts for driver’s education, safe vehicle, passive restraint, accident-free, Drive Safe & Save, Steer Clear safe driver discount, and good student.
- GEICO may include discounts for five-year accident-free, defensive driver, air bags, membership and employees, and multi-policy.
- Allstate discounts include good payer, safe driver, auto/life discount, utility vehicle, new car, and 55 and retired.
When comparing rates, check with each insurance company which credits you are entitled to. Some of the discounts discussed earlier may not apply to policyholders in San Diego. To view insurance companies that have a full spectrum of discounts in San Diego, click here.
Low cost San Diego Pontiac Vibe insurance
Most of the larger companies such as State Farm, Allstate and GEICO allow you to get price estimates online. Comparing Pontiac Vibe insurance rates online is quite simple as you simply type in your coverage preferences as requested by the quote form. Once entered, the system collects reports for credit and driving violations and gives you a price quote based on the information you submitted. Being able to quote online for Pontiac Vibe insurance in San Diego helps simplify price comparisons, and it’s very important to perform this step if you want to get lower-cost car insurance pricing.
To fill out one form to compare multiple rates now, consider comparing rates from the companies shown below. To compare your current rates, we recommend you input your coverages identical to your current policy. This guarantees you will have a rate comparison based on similar coverages.
The companies shown below offer comparison quotes in San Diego, CA. If the list has multiple companies, we recommend you visit as many as you can to get the most competitive price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vibe 1.8 | $192 | $332 | $386 | $22 | $116 | $1,048 | $87 |
| Vibe 2.4 | $266 | $524 | $488 | $28 | $146 | $1,452 | $121 |
| Vibe AWD | $204 | $418 | $424 | $26 | $128 | $1,200 | $100 |
| Vibe GT | $228 | $482 | $488 | $28 | $146 | $1,372 | $114 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Information does not factor in specific zip code location which can raise or lower prices substantially.
Rate comparison of males versus females in San Diego
The chart below shows the difference between Pontiac Vibe car insurance costs for male and female drivers. The rate quotes are based on no violations or accidents, comprehensive and collision coverage, $500 deductibles, single marital status, and no other discounts are factored in.
Analysis of deductible levels
The chart below demonstrates how deductibles and can influence Pontiac Vibe insurance costs for different age groups. The price estimates are based on a single female driver, full coverage, and no additional discounts are factored in.
Lower Your San Diego Insurance Rates
Many different elements are considered when you quote your car insurance policy. Some are obvious like your driving record, although some other factors are more obscure such as your marital status or how financially stable you are. The best way to find cheaper insurance is to take a look at some of the things that are used to determine your policy premiums. If you know what influences your rates, this allows you to make good choices that may reward you with lower premium levels.
Drive fewer miles and save – The higher the miles on your Pontiac each year the more you’ll pay to insure your vehicle. A lot of insurance companies charge rates based on their usage. Cars left parked in the garage can be on a lower rate level compared to those used for work or business. An improperly rated Vibe may be costing you. Double check that your policy is showing how each vehicle is driven, because improper ratings can cost you money.
Impacts performance impacts auto insurance costs – The make and model of the car or truck you are buying insurance for makes a substantial difference in your car insurance bill. The cheapest rates will generally be found on small economy passenger cars, but there are many factors that impact the final cost. Since the Pontiac Vibe is a compact car, insuring your vehicle will cost the same to a little lower when compared to the average rates in San Diego.
Insure car and home with the same company – Most insurance companies will give better rates to policyholders who carry more than one policy. It’s known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even if you already get this discount, consumers should still compare other San Diego Vibe insurance rates to guarantee you are still saving the most.There is a good possibility that you can find a better deal by buying from different companies
How credit rating affects insurance prices – Credit history can be an important factor in your rate calculation. Consumers who have very good credit scores tend to be more responsible than drivers with lower ratings. Therefore, if your credit score could use some work, you could save money insuring your Pontiac Vibe by repairing your credit.
Job stress can affect prices – Occupations like judges, architects and dentists are shown to have higher rates than average due to stressful work requirements and long work hours. On the flip side, professions such as professors, engineers and retirees have lower than average premiums.
With age comes lower premiums – Teenage drivers in California are proven to be inattentive when behind the wheel and because of this, their insurance rates are much higher. Older drivers are shown to be more cautious, cause fewer claims and accidents, and get fewer tickets.
Pay less with a high crash test rating – Safer cars tend to have better insurance rates. Safer cars protect occupants better and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates. If the Pontiac Vibe scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
Buying insurance from San Diego car insurance agents
Many drivers still like to talk to an insurance agent and there is nothing wrong with that. The biggest benefit of comparing rates online is that drivers can save money and get the best rates but still work with a licensed agent.
Once you complete this simple form, your insurance coverage information gets sent to participating agents in San Diego who will give competitive quotes to get your business. It simplifies rate comparisons since you won’t have to contact any agents due to the fact that quote results will go directly to your email. You can find lower rates without a big time investment. If you wish to get a rate quote from a particular provider, feel free to find their quoting web page and give them your coverage information.
Finding a good insurer needs to be determined by more than just the premium amount. A good agent in San Diego will have answers to these questions.
- What kind of financial rating does the company have?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Which family members are covered?
- Is auto insurance their primary focus in San Diego?
- Is the agent and/or agency licensed to do business in California?
- Are they in the agency full-time?
- Is their price quote a firm figure or are their hidden costs?
Best car insurance agent in San Diego
When looking for a reliable insurance agency, you need to know there are two different agency structures from which to choose. Insurance agencies are considered either independent agents or exclusive agents.
Exclusive Agencies
Agents that choose to be exclusive can only provide one company’s prices such as Allstate, Farmers Insurance, State Farm, and AAA. They generally cannot place coverage with different providers so keep that in mind. Exclusive agencies are trained well in insurance sales which helps offset the inability to provide other markets.
Listed below are exclusive insurance agencies in San Diego who can help you get comparison quotes.
Myles Collins – State Farm Insurance Agent
9920 Mira Mesa Blvd A – San Diego, CA 92131 – (858) 271-6400 – View Map
Kristin Francy – State Farm Insurance Agent
9888 Carmel Mountain Rd Ste A – San Diego, CA 92129 – (858) 484-4141 – View Map
Dave Murphy – State Farm Insurance Agent
12121 Scripps Summit Dr Ste 100 – San Diego, CA 92131 – (858) 621-6681 – View Map
Independent Insurance Agencies
Agents that choose to be independent do not have single company limitations so they have the ability to put coverage with lots of companies and get the cheapest rates. If your premiums go up, they simply switch companies in-house without you having to go to a different agency. If you are comparing insurance prices, you should always compare quotes from at a minimum one independent agency in order to have the best price comparison.
Shown below are San Diego independent insurance agents who can help you get comparison quotes.
Einhorn Insurance
3940 Hancock St – San Diego, CA 92110 – (858) 336-4644 – View Map
Nationwide Insurance: Keith Jackson Insurance Agency Inc
1081 Camino del Rio S Ste 210 – San Diego, CA 92108 – (916) 742-6995 – View Map
Oversea Insurance Agency, Inc
1274 Scott St – San Diego, CA 92106 – (800) 266-2662 – View Map
Three reasons car insurance is important
Despite the high insurance cost for a Pontiac Vibe in San Diego, insurance is most likely required but also gives you several important benefits.
- Most states have minimum mandated liability insurance limits which means the state requires specific minimum amounts of liability protection 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.
- If you have a loan on your Pontiac Vibe, most banks will make it mandatory that you have full coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the lender may have to buy a policy to insure your Pontiac at a more expensive rate and make you pay the higher premium.
- Car insurance preserves both your assets and your Pontiac. Insurance will also pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you are sued as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of insuring your Vibe more than offset the price you pay, especially for larger claims. According to a survey of 1,000 drivers, the average driver is overpaying over $750 every year so smart consumers compare quotes every year to make sure the price is not too high.
Cheap coverage is out there
Budget-conscious Pontiac Vibe insurance can be sourced online as well as from insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies may not provide online rate quotes and these regional carriers sell through independent agents.
You just read some good ideas how to get a better price on Pontiac Vibe insurance in San Diego. The key concept to understand is the more quotes you get, the better likelihood of getting low cost San Diego car insurance quotes. You may even be surprised to find that the most savings is with the least-expected company. These companies may often insure only within specific states and give better rates than their larger competitors like Progressive or GEICO.
Other learning opportunities
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Frontal Crash Tests (iihs.org)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Understanding Car Crashes Video (iihs.org)
- Event Data Recorders FAQ (iihs.org)