How to Compare Oklahoma City Pontiac Vibe Insurance

We don’t have to point out that fact that insurance companies want to keep you from shopping around. Consumers who shop around are likely to switch to a new company because there are good odds of finding lower prices. A study showed that consumers who compared rate quotes regularly saved about $70 a month as compared to drivers who never shopped around for lower prices.

If finding the most affordable Pontiac Vibe insurance in Oklahoma City is the reason you’re here, then understanding how to shop and compare coverages can help make the process easier.

The easiest way to get more affordable car insurance rates is to compare prices regularly from providers who sell auto insurance in Oklahoma City. You can shop around by completing these steps.

• First, spend a few minutes and learn about auto insurance and the measures you can control to keep rates down. Many things that result in higher rates like tickets, at-fault accidents, and an unacceptable credit score can be rectified by being financially responsible and driving safely. This article provides more ideas to prevent high prices and get discounts that may be overlooked.
• Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from one company like GEICO and Allstate, while independent agencies can provide rate quotes from multiple sources.
• Third, compare the new rates to your existing rates and see if there is a cheaper rate. If you find a lower rate and decide to switch, make sure coverage is continuous and does not lapse.
• Fourth, provide adequate notice to your current company to cancel your current coverage. Submit a down payment along with a signed application to your new insurance company. Once the application is submitted, store the certificate of insurance in your vehicle.

The key thing to know about shopping around is to use the same deductibles and limits on every quote and and to get price quotes from as many carriers as you can. Doing this ensures the most accurate price comparison and many rates to choose from.

Our goal in writing this article instruct you on the most effective ways to compare rates and how to save the most money. If you have insurance now, you will definitely be able to find better prices using the concepts you’re about to learn. Drivers only need to know the most efficient way to shop from many different companies.

The companies shown below offer free rate quotes in Oklahoma. If more than one company is shown, it’s a good idea that you get price quotes from several of them to get the most affordable price.

Insurance does more than just repair your car

Even though it’s not necessarily cheap to insure a Pontiac in Oklahoma City, buying insurance serves an important purpose.

First, almost all states have minimum liability requirements which means the state requires specific limits of liability protection if you want to drive legally. In Oklahoma these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your Pontiac Vibe has a loan, it’s guaranteed your bank will have a requirement that you buy full coverage to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the bank will be required to insure your Pontiac for a much higher rate and make you pay for the much more expensive policy.

Third, insurance safeguards not only your car but also your assets. It will also provide coverage for medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, will also pay to defend you if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to have it repaired.

The benefits of buying enough insurance more than offset the price you pay, particularly if you ever have a claim. But the average American driver is overpaying more than $850 per year so it’s important to compare rates each time the policy renews to make sure the price is not too high.

Coverage statistics and figures

The coverage information displayed next showcases different prices for Pontiac Vibe models. Having a better idea how insurance rates are established helps drivers make smart choices when selecting a coverage provider.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Table data does not factor in garaging location in Oklahoma City which can impact rates substantially.

Higher deductibles save money

One of the hardest decisions when shopping for auto insurance is which deductibles should you choose. The figures shown below illustrate how much more rates are when you select higher and lower coverage deductibles. The first data table uses a $100 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Prices do not factor in your specific Oklahoma City location which can modify auto insurance rates greatly.

We can derive from the above data that using a $100 deductible costs approximately $32 more each month or $384 annually than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at least 13 months between claim filings, you would more than likely save some money if you choose a higher deductible.

The diagram below demonstrates how deductible levels and can increase or decrease Pontiac Vibe yearly insurance costs for different age groups. The rates are based on a married female driver, comp and collision included, and no discounts are applied.

Annual premiums for males versus females

The chart below illustrates the difference between Pontiac Vibe insurance prices for male and female drivers. The rates are based on no claims or driving citations, full coverage, $1,000 deductibles, single status, and no discounts are factored in.

These discounts can cut Pontiac Vibe insurance rates

Auto insurance is expensive, but there may be some discounts that many people don’t even know exist. A few discounts will automatically apply when you complete an application, but a few must be asked for before they will apply.

• Multiple Vehicles – Insuring several vehicles on one policy qualifies for this discount.
• Discounts for Responsible Drivers – Accident-free drivers could pay up to 40% less than their less cautious counterparts.
• Telematics Data – Drivers that enable their company to monitor vehicle usage by using a telematic data system such as Progressive’s Snapshot may get a rate reduction if they show good driving skills.
• Service Members Pay Less – Having a family member in the military could trigger a small discount.
• Resident Student – Children who are enrolled in higher education away from home and do not have a car can receive lower rates.
• Buy New and Save – Buying coverage on a new vehicle can be considerably cheaper since newer vehicles have better safety ratings.

Please keep in mind that many deductions do not apply to the whole policy. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way.

The diagram below shows the comparison of Pontiac Vibe insurance rates with and without discounts applied to the premium. The information is based on a female driver, no violations or accidents, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, claim-free, safe-driver, multi-policy, and multi-car discounts applied.

A few of the larger companies and a summarized list of policyholder discounts are outlined below.

• GEICO offers discounts including anti-theft, military active duty, defensive driver, seat belt use, and membership and employees.
• Mercury Insurance has savings for good student, ease of repair, age of vehicle, type of vehicle, good driver, multi-policy, and low natural disaster claims.
• Farmers Insurance may have discounts that include teen driver, youthful driver, good student, pay in full, and multi-car.
• Auto-Owners Insurance offers discounts for teen driver, good student, group or association, paid in full, mature driver, and anti-theft.
• Liberty Mutual offers premium reductions for exclusive group savings, teen driver discount, good student, new vehicle discount, and multi-car.
• SAFECO policyholders can earn discounts including teen safe driver, anti-theft, homeowner, accident prevention training, drive less, anti-lock brakes, and bundle discounts.
• Progressive has discounts for multi-vehicle, homeowner, continuous coverage, online signing, and good student.
• USAA includes discounts for driver training, annual mileage, family discount, good student, and military installation.

Before you buy a policy, ask every insurance company to give you their best rates. A few discounts might not apply in Oklahoma City. To choose insurance companies who offer online Pontiac Vibe insurance quotes in Oklahoma, click here.

Neighborhood insurance agents

A small number of people would rather go talk to an agent and doing so can bring peace of mind Licensed agents are highly skilled in risk management and help in the event of a claim. A good thing about comparing insurance prices online is that drivers can save money and get the best rates and still have a local agent. Putting coverage with local agents is important particularly in Oklahoma City.

To help locate an agent, after submitting this form (opens in new window), your information is emailed to agents in your area that can give you free Oklahoma City auto insurance quotes for your insurance coverage. You won’t even need to drive around because quoted prices will be sent instantly to you. If you wish to quote rates for a specific company, don’t hesitate to find their quoting web page and give them your coverage information.

Listed below is a short list of car insurance companies in Oklahoma City who can help you get price quotes for Pontiac Vibe insurance in Oklahoma City.

More Oklahoma City agents

Selecting a provider requires you to look at more than just a cheap price quote. These are some questions you should get answers to.

• Do you work with a CSR or direct with the agent?
• Do they assist clients in filing claims?
• How much will you save each year by using a higher deductible?
• Do they specialize in personal lines coverage in Oklahoma City?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• Can you choose the body shop in case repairs are needed?

Quote more and you will save more

Discount Pontiac Vibe insurance in Oklahoma City is available from both online companies as well as from independent agents in Oklahoma City, and you need to price shop both to have the best chance of lowering rates. Some car insurance companies may not have online quoting and these regional carriers work with independent agents.

You just read a lot of techniques to save on Pontiac Vibe insurance in Oklahoma City. The key concept to understand is the more companies you get rates for, the better likelihood of getting low cost Oklahoma City auto insurance quotes. Consumers may even find the biggest savings come from some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, GEICO and Nationwide.

Additional detailed information can be read at these sites:

• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
• What Insurance is Cheapest for High School Students in Oklahoma City? (FAQ)
• Booster Seat Ratings (iihs.org)
• No-Fault Auto Insurance Statistics (Insurance Information Institute)
• Teen Driving Statistics (iihs.org)
• Tread Depth and Tire Safety (State Farm)