Want a free price quotes on cheaper Pontiac Vibe insurance in Philadelphia? Trying to find more affordable Pontiac Vibe insurance in Philadelphia might be kind of frustrating for drivers who are new to quoting coverage prices online. With so many insurance agents and companies in the marketplace, it can easily become a ton of work to find cheaper prices in Pennsylvania.
Unthinkable but true, the vast majority of insurance customers kept their policy with the same company for well over three years, and just short of a majority have never compared rates to find cheap insurance. Drivers in Pennsylvania could save roughly 55% a year by just comparing quotes, but they just don’t understand the big savings they would realize if they swap their current policy for a cheaper one.
Choosing the best insurance company for you in Philadelphia is really not that difficult. Practically every car owner who carries car insurance should be able to find better rates. But Pennsylvania consumers must comprehend how companies sell insurance online because it can help you find the best coverage.
Best companies for Pontiac Vibe insurance
The companies in the list below are our best choices to provide price comparisons in Pennsylvania. If multiple providers are shown, it’s a good idea that you click on several of them in order to find the lowest rates.
Facts and figures for Pontiac Vibe insurance
The coverage table shown next outlines estimates of insurance rates for Pontiac Vibe models. Being aware of how insurance policy premiums are determined can help guide drivers when making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vibe 1.8 | $178 | $338 | $316 | $18 | $94 | $944 | $79 |
| Vibe 2.4 | $178 | $338 | $316 | $18 | $94 | $944 | $79 |
| Vibe AWD | $200 | $400 | $316 | $18 | $94 | $1,028 | $86 |
| Vibe GT | $200 | $400 | $316 | $18 | $94 | $1,028 | $86 |
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Information does not factor in your specific Philadelphia location which can affect rates noticeably.
Raise deductibles and save
One of the hardest decisions when shopping for auto insurance is how high should your deductibles be. The data tables below can help you understand the costs and benefits between low and high coverage deductibles. The first rate estimation uses a $250 comprehensive and collision deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vibe 1.8 | $254 | $428 | $280 | $16 | $84 | $1,087 | $91 |
| Vibe 2.4 | $254 | $428 | $280 | $16 | $84 | $1,087 | $91 |
| Vibe AWD | $288 | $506 | $280 | $16 | $84 | $1,199 | $100 |
| Vibe GT | $288 | $506 | $280 | $16 | $84 | $1,199 | $100 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vibe 1.8 | $206 | $346 | $280 | $16 | $84 | $932 | $78 |
| Vibe 2.4 | $206 | $346 | $280 | $16 | $84 | $932 | $78 |
| Vibe AWD | $234 | $408 | $280 | $16 | $84 | $1,022 | $85 |
| Vibe GT | $234 | $408 | $280 | $16 | $84 | $1,022 | $85 |
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Table data does not factor in the specific area where the vehicle is garaged which can influence auto insurance rates greatly.
We can estimate from the data above that using a $250 deductible costs about $14 more each month or $168 a year than buying the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally go at least 18 months between claims, you would probably come out ahead going with the higher deductible.
How to calculate if higher deductibles make sense
| Average monthly premium for $250 deductibles: | $96 |
| Average monthly premium for $500 deductibles (subtract): | – $82 |
| Monthly savings from raising deductible: | $14 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $14 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
An important sidenote is that higher deductibles means you pay more out-of-pocket when you have a physical damage claim. You must have some extra funds in the event you need to pay more to get your vehicle repaired.
Males versus Females
The illustration below shows the comparison of Pontiac Vibe car insurance rates for male and female drivers. The price estimates are based on no violations or accidents, comp and collision included, $100 deductibles, drivers are single, and no discounts are taken into consideration.
Does it make sense to buy full coverage?
The illustration below shows the comparison of Pontiac Vibe insurance costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no accidents, no driving violations, $250 deductibles, marital status is single, and no discounts are taken into consideration.
When to stop buying full coverage
There is no exact formula to stop buying full coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s pretend your Pontiac Vibe replacement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $3,000 after the deductible is paid. If premium cost is more than $300 a year for physical damage coverage, then it could be time to drop full coverage.
There are some scenarios where only buying liability is not a good plan. If you haven’t paid off your loan, you have to maintain full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
Do you qualify for discounts on Pontiac Vibe insurance in Philadelphia?
Auto insurance is not an enjoyable expense, but you might already qualify for some discounts that you may not know about. Some discounts will apply at the time of quoting, but some need to be requested specifically prior to receiving the credit.
- Safety Restraint Discount – Drivers who require all occupants to wear their seat belts could cut 10% or more on medical payment and PIP coverage.
- Telematics Data Discounts – Drivers who elect to allow their company to study vehicle usage by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if their driving habits are good.
- Professional Memberships – Participating in certain professional organizations is a good way to get lower rates when getting a Philadelphia auto insurance quote.
- Sign Online – Some of the larger companies provide a small discount for signing up online.
- Multi-line Discount – Larger insurance companies have a small discount if you purchase life insurance.
- Discounts for Multiple Vehicles – Purchasing coverage when you have all your vehicles on a single policy may reduce the rate for each vehicle.
- Federal Employees – Employees or retirees of the government can earn a discount up to 10% depending on your company.
Don’t be surprised that most discount credits are not given to your bottom line cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will lower your overall bill.
The example below visualizes the comparison of Pontiac Vibe insurance premiums with and without discounts applied to the rates. The premium estimates are based on a female driver, no accidents, no driving violations, Pennsylvania state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, multi-car, marriage, homeowner, and safe-driver discounts applied.
A few of the larger companies and a partial list of their discounts are shown below.
- Progressive includes discounts for multi-policy, good student, online signing, online quote discount, homeowner, and continuous coverage.
- GEICO has savings for daytime running lights, emergency military deployment, federal employee, military active duty, and defensive driver.
- State Farm has discounts for good student, student away at school, Drive Safe & Save, defensive driving training, accident-free, and passive restraint.
- Esurance offers premium reductions for multi-car, safety device, Switch & Save, anti-theft, DriveSense, emergency road assistance, and good driver.
- The Hartford offers discounts for good student, air bag, bundle, defensive driver, driver training, anti-theft, and vehicle fuel type.
If you need the cheapest Pontiac Vibe rate quotes, ask every insurance company what discounts are available to you. Some discounts listed above might not be offered on policies in every state. To find insurance companies that offer the discounts shown above in Pennsylvania, click this link.
How do I know if I need professional advice?
Always keep in mind that when comparing the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s needs are different.
These are some specific questions might point out whether you might need an agent’s assistance.
- What is the difference between personal and commercial auto insurance policies?
- Is there coverage for injuries to my pets?
- Is my ex-spouse still covered by my policy?
- At what point should I drop full coverage?
- Is a fancy paint job covered?
- Does my Pontiac Vibe need full coverage?
- Can I afford low physical damage deductibles?
- Which companies will insure high-risk drivers?
- Where can I find DUI or SR-22 insurance?
If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form.
What if I want to buy from local Philadelphia insurance agents?
Many drivers just want to get advice from a local agent and that is not a bad decision One of the benefits of comparing insurance prices online is that you can find the best rates but also keep your business local.
Upon completion of this quick form, your information is sent to participating agents in Philadelphia who can give free rate quotes for your insurance coverage. There is no reason to find an agent on your own as quotes are delivered directly to you. Get lower rates and a licensed agent to work with. If you wish to quote rates from a specific insurance company, don’t hesitate to search and find their rate quote page and submit a quote form there.
Picking an company should depend on more than just a cheap price. Ask your prospective agent these questions:
- Can they provide you with a list of referrals?
- Will one accident increase rates?
- Is coverage determined by price?
- How are they compensated?
- Does the company have a local claim office in Philadelphia?
Two different types of auto insurance agents
If you need to find a reliable agent, there are two types of insurance agents and how they operate. Agents can be described as either exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agents
These agents can only provide pricing for a single company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. These agents are not able to provide prices from multiple companies so they have no alternatives for high prices. They receive a lot of sales training on the products they sell and that can be a competitive advantage. Some consumers prefer to choose to use a exclusive agent partially due to the brand and solid financial strength.
Below is a short list of exclusive agents in Philadelphia who can help you get comparison quotes.
- State Farm – Adam Hutcheon
1436 Fairmount Ave – Philadelphia, PA 19130 – (215) 765-2686 – View Map - Dave Penning – State Farm Insurance Agent
2962 Robbins Ave – Philadelphia, PA 19149 – (215) 537-8050 – View Map - Kevin Lowber – State Farm Insurance Agent
1347 E Hunting Park Ave – Philadelphia, PA 19124 – (215) 533-9010 – View Map
Independent Agencies or Brokers
Independent agencies are not employed by one company and that gives them the ability to insure with any number of different companies enabling the ability to shop coverage around. If your premiums go up, they simply switch companies in-house and you don’t have to do anything. When comparing rates, we highly recommend that you get insurance quotes from a few independent agents to have the most options to choose from. Many independent agencies also insure through smaller regional carriers which may have better rates.
The following are Philadelphia independent insurance agencies who can help you get comparison quotes.
- Fabey Insurance Agency
619 E Girard Ave – Philadelphia, PA 19125 – (215) 425-7640 – View Map - Gallo Insurance Agency
617 S 18th St – Philadelphia, PA 19146 – (215) 545-9500 – View Map - Martin Insurance
5700 Delancey St – Philadelphia, PA 19143 – (215) 471-6860 – View Map
Upon receiving positive feedback to these questions as well as an affordable premium quote, you may have just found a car insurance agent that is reliable enough to properly insure your vehicles. Just keep in mind you are entitled to cancel a policy at any point so never assume that you are permanently stuck with any specific agency for any length of time.
One last thing to lower rates
People change insurance companies for a number of reasons such as extreme rates for teen drivers, questionable increases in premium, high prices or lack of trust in their agent. Whatever your reason, choosing a new company is actually quite simple.
Throughout this article, we presented quite a bit of information on how to find affordable Pontiac Vibe insurance in Philadelphia. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even be surprised to find that the lowest priced car insurance comes from some of the smallest insurance companies.
Affordable Pontiac Vibe insurance in Philadelphia can be bought online as well as from independent agents in Philadelphia, so you should compare both to get a complete price analysis. Some insurance providers may not offer online price quotes and many times these small insurance companies sell through independent agents.
Even more information is located in the articles below:
- Your Car has been Stolen: Now What? (Allstate)
- Who Has Affordable Auto Insurance for Drivers Under 25 in Philadelphia? (FAQ)
- Who Has Affordable Auto Insurance for Drivers Over Age 60 in Philadelphia? (FAQ)
- Who Has Cheap Car Insurance Rates for Good Students in Philadelphia? (FAQ)
- Who Has Cheap Auto Insurance for Handicapped Drivers in Philadelphia? (FAQ)
- Who Has the Cheapest Philadelphia Car Insurance for Electric Cars? (FAQ)
- How Much is Philadelphia Car Insurance for Drivers with Accidents? (FAQ)
- Who Has Cheap Auto Insurance for a School Permit in Philadelphia? (FAQ)
- Who Has Affordable Auto Insurance for a GMC Sierra in Philadelphia? (FAQ)
- Car Insurance: When not to Skimp (BankRate.com)
- Shopping for a Safe Car (Insurance Information Institute)
- What Does No-Fault Insurance Cover? (Allstate)