Want to know an easy way to compare lower-priced Pontiac Vibe insurance in Lincoln? Do you think you bought an expensive insurance policy? Believe me, you are not the only one feeling buyer’s remorse.
Regrettably, most consumers have stayed with the same insurance company for at least four years, and almost 40% of drivers have never compared quotes from other companies. With the average insurance premium being $1,440, Nebraska drivers could save themselves up to 30% a year by just comparing quotes, but they underestimate the big savings they would realize if they just switched companies.
How to find low-cost Pontiac Vibe insurance in Lincoln
The best way we recommend to find affordable quotes for Pontiac Vibe insurance is to make a habit of regularly comparing prices from providers in Lincoln. This can be done by following these steps.
- Step 1: Try to learn about policy coverages and the steps you can take to drop your rates. Many risk factors that cause rate increases like high-risk driving behaviors and a low credit rating can be controlled by being financially responsible and driving safely.
- Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like Progressive or Allstate, while independent agencies can give you price quotes for a wide range of insurance providers.
- Step 3: Compare the new rate quotes to your current policy to see if a cheaper price is available in Lincoln. If you find better rates and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Provide notification to your current agent or company to cancel your current policy. Submit any necessary down payment along with the completed application to your new agent or company. When you receive it, store the proof of insurance certificate with your registration paperwork.
An essential thing to point out is to use similar deductibles and liability limits on each price quote and and to look at as many auto insurance providers as possible. Doing this provides a level playing field and the best price quote selection.
Consumers have many car insurance companies to insure vehicles with, and although it’s nice to have multiple companies, it can be more difficult to find the best rates for Pontiac Vibe insurance in Lincoln.
You should take the time to shop coverage around before your policy renews since insurance rates fluctuate regularly. If you had the lowest rate on Pontiac Vibe insurance in Lincoln a couple years back you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the proper way to reduce your cost while improving coverage.
Finding the cheapest insurance coverage in Lincoln is really quite easy. If you have a policy now, you will surely be able to reduce premiums using these tips. But Nebraska consumers can benefit by having an understanding of how big insurance companies sell insurance online because rates are impacted by many factors.
Best companies for Pontiac Vibe insurance
The car insurance companies shown below are ready to provide free rate quotes in Lincoln, NE. To find the best auto insurance in Lincoln, NE, we suggest you compare several of them to get a more complete price comparison.
Pontiac Vibe insurance charts and tables
The premium table shown next covers estimates of insurance coverage prices for Pontiac Vibe models. Being able to understand how insurance quotes are calculated can aid in making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vibe 1.8 | $264 | $390 | $334 | $20 | $100 | $1,108 | $92 |
| Vibe 2.4 | $264 | $390 | $334 | $20 | $100 | $1,108 | $92 |
| Vibe AWD | $298 | $460 | $334 | $20 | $100 | $1,212 | $101 |
| Vibe GT | $298 | $460 | $334 | $20 | $100 | $1,212 | $101 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate quotes do not factor in specific location which can increase or decrease auto insurance rates noticeably.
Physical damage deductible comparison
When shopping for insurance, a common question is how high should the physical damage deductibles be. The data tables below outline the rate differences when you select higher and lower insurance deductibles. The first set of prices uses a $100 deductible for comp and collision and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vibe 1.8 | $258 | $466 | $254 | $16 | $76 | $1,095 | $91 |
| Vibe 2.4 | $258 | $466 | $254 | $16 | $76 | $1,095 | $91 |
| Vibe AWD | $292 | $548 | $254 | $16 | $76 | $1,211 | $101 |
| Vibe GT | $292 | $548 | $254 | $16 | $76 | $1,211 | $101 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vibe 1.8 | $188 | $314 | $254 | $16 | $76 | $848 | $71 |
| Vibe 2.4 | $188 | $314 | $254 | $16 | $76 | $848 | $71 |
| Vibe AWD | $212 | $370 | $254 | $16 | $76 | $928 | $77 |
| Vibe GT | $212 | $370 | $254 | $16 | $76 | $928 | $77 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Information does not factor in garaging location in Lincoln which can decrease or increase rates significantly.
Based on these figures, using a $100 deductible costs approximately $22 more each month or $264 every year than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 18 months between claims, you would probably come out ahead if you choose a higher deductible.
Calculation for determining deductible levels
| Average monthly premium for $100 deductibles: | $96 |
| Average monthly premium for $500 deductibles (subtract): | – $74 |
| Monthly savings from raising deductible: | $22 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $22 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
An important thing to remember is that increasing deductibles to save money means you will have to pay more out-of-pocket if you have a claim. It will be required that you have some extra funds in the event you need to pay the higher deductible.
How accidents and tickets impact rates in Lincoln
The chart below illustrates how violations and at-fault accidents can drive up Pontiac Vibe auto insurance costs for different age groups. The data assumes a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.
Rate comparison of full coverage and liability-only
The diagram below shows the comparison of Pontiac Vibe car insurance costs with liability coverage only compared to full coverage. The prices are based on no claims or driving violations, $500 deductibles, drivers are single, and no policy discounts are applied.
Guidelines for dropping full coverage
There is no exact rule for phasing out physical damage coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.
For example, let’s say your Pontiac Vibe settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $7,000 after paying your deductible. If it’s costing in excess of $700 annually for your policy with full coverage, then you might want to think about dropping full coverage.
There are some circumstances where eliminating full coverage is not recommended. If you still have a loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Components of Your Pontiac Vibe Insurance Costs
Many things are taken into consideration when pricing auto insurance. Some of the criteria are obvious such as your driving history, although some other factors are not as apparent such as your marital status or your commute time.
- Where you reside – Being located in less populated areas may provide you with better prices if you are looking for the lowest rates. Urban drivers have more traffic problems and longer commutes to work. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.
- Raise physical damage deductibles and save – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Pontiac. Some coverage claims are a broken windshield, flood damage, and burglary. Comprehensive and collision coverage deductibles state the amount of money you are willing to pay before your auto insurance pays a claim. The more you are required to pay out-of-pocket, the lower your rates will be.
- Eliminate incidental coverages – There are quite a few additional coverages that may not really be needed if you aren’t diligent. Insurance for things like personal injury protection, high-cost glass coverage, and motor club memberships are some examples. These may sound like a good investment when you first buy your policy, but if you’ve never needed them in the past remove them and pocket the money.
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Gender matters – Over time, data shows females are less aggressive when driving. However, this does not mean females are better drivers. Males and females have accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also have more aggressive citations like reckless driving and DUI.
The diagram below illustrates the difference between Pontiac Vibe annual premium costs for male and female drivers. The premiums assume a clean driving record, no claims, comprehensive and collision coverage, $100 deductibles, single marital status, and no discounts are applied.
Earn discounts on Lincoln auto insurance
The cost of insuring your cars can be expensive, but there may be some discounts to cut the cost considerably. Certain discounts will be applied when you quote, but a few must be asked for prior to getting the savings.
- Life Insurance Discount – Larger companies have a break if you buy some life insurance too.
- Discount for Multiple Policies – If you can bundle your home and auto insurance and insure them with the same company you may earn up to 20% and get you affordable Pontiac Vibe insurance rates in Lincoln.
- Homeowners Savings – Simply owning a home can save a few bucks because maintaining a house is proof of financial responsibility.
- Employee of Federal Government – Active or former government employment could cut as much as 10% off with certain companies.
- Drive Safe and Save – Insureds without accidents may receive a discount up to 45% compared to rates paid by drivers with frequent claims.
- Waiver for an Accident – Not necessarily a discount, but some companies like Allstate and GEICO may permit one accident without getting socked with a rate hike so long as you haven’t had any claims prior to being involved in the accident.
- No Accidents – Drivers with accident-free driving histories are rewarded with significantly better rates on Lincoln car insurance quote in comparison to drivers with a long claim history.
- Safety Restraint Discount – Forcing all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
- Early Renewal Discounts – Some auto insurance companies reward drivers for renewing your policy before your current coverage expires. It’s a savings of about 10%.
Please keep in mind that most discount credits are not given to the overall cost of the policy. Some only reduce individual premiums such as comprehensive or collision. Even though it appears all the discounts add up to a free policy, company stockholders wouldn’t be very happy. Any qualifying discounts should help lower the cost of coverage.
The information below visualizes the comparison of Pontiac Vibe car insurance rates with and without discounts applied to the premium. The price estimates are based on a male driver, no claims or violations, Nebraska state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, safe-driver, claim-free, and homeowner discounts applied.
The best auto insurance companies and some of their more popular discounts can be found below.
- Progressive discounts include online signing, multi-policy, continuous coverage, multi-vehicle, online quote discount, and homeowner.
- SAFECO offers discounts including teen safe driver, teen safety rewards, accident prevention training, multi-car, anti-lock brakes, anti-theft, and homeowner.
- American Family has discounts for accident-free, good driver, multi-vehicle, Steer into Savings, defensive driver, bundled insurance, and early bird.
- MetLife may offer discounts for good driver, multi-policy, accident-free, claim-free, and good student.
- GEICO offers premium reductions for anti-theft, driver training, military active duty, multi-policy, good student, and defensive driver.
- The Hartford includes discounts for defensive driver, bundle, good student, anti-theft, driver training, vehicle fuel type, and air bag.
When comparing rates, check with every prospective company how many discounts you can get. Discounts may not apply in your area. If you would like to view insurers with the best Pontiac Vibe insurance discounts in Lincoln, click here to view.
Getting quotes from local Lincoln auto insurance agents
A small number of people would rather get advice from a local agent and we recommend doing that The biggest benefit of comparing rate quotes online is you can get the lowest rates and still have an agent to talk to.
To make it easy to find an agent, after completing this quick form, the coverage information is emailed to participating agents in Lincoln 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 to the email address you provide. You can find lower rates and an insurance agent to talk to. In the event you want to compare rates for a specific company, feel free to jump over to their website and submit a quote form there.
Picking an insurer shouldn’t rely on just the bottom line cost. Get answers to these questions too.
- Will high miles depreciate repair valuations?
- Are there any discounts for paying up front?
- Do they offer claims assistance after hours?
- What company holds the largest book of business for them?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- What insurance companies do they work with in Lincoln?
If you need to find a good insurance agency, it can be helpful to understand the different types of agents and how they can service your needs differently. Agents are classified as either independent or exclusive depending on the company they work for.
Exclusive Agents
Agents that elect to be exclusive work for only one company such as State Farm, Allstate, and Farm Bureau. These agents are not able to compare rates from other companies so you might not find the best rates. Exclusive agencies receive a lot of sales training on sales techniques and that can be a competitive advantage.
The following are exclusive insurance agencies in Lincoln who may provide you with price quotes.
Roger McGinnis – State Farm Insurance Agent
6900 O St #105 – Lincoln, NE 68510 – (402) 466-6300 – View Map
American Family Insurance – Ben Bolte Agency Inc
5815 S 58th St Ste A – Lincoln, NE 68516 – (402) 441-4222 – View Map
Farmers Insurance
916 N 70th St – Lincoln, NE 68505 – (402) 488-5277 – View Map
Independent Insurance Agents
Agents that choose to be independent are not employed by any specific company so they can quote policies through many different insurance companies and find the cheapest rate. If you are not satisfied with one company, your agent can switch companies which makes it simple for you. If you need lower rates, we recommend you contact a couple of independent agencies in order to have the best price comparison.
Listed below are independent insurance agencies in Lincoln that are able to give price quote information.
Gary Thompson Agency, Inc.
4200 Lucile Dr a200 – Lincoln, NE 68506 – (402) 475-2609 – View Map
Mittelstadt Agency LLC
1701 K St – Lincoln, NE 68508 – (402) 434-3990 – View Map
Copple Insurance Agency, Inc.
1640 L St – Lincoln, NE 68508 – (402) 475-3213 – View Map
Smart shoppers get results
We’ve covered some good ideas how to find affordable Pontiac Vibe insurance in Lincoln. The key concept to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the biggest savings come from the least-expected company. Regional companies often have lower prices on specific markets compared to the large companies like State Farm, GEICO and Nationwide.
Cheaper Pontiac Vibe insurance in Lincoln is definitely available online in addition to many Lincoln insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who may not offer internet price quotes and most of the time these small insurance companies sell through independent insurance agents.
How to buy discount Pontiac Vibe insurance in Lincoln
The most effective way to get more affordable Pontiac Vibe insurance is to do an annual price comparison from companies in Lincoln. Rate comparisons can be done by following these steps.
- Spend a few minutes and learn about car insurance and the changes you can make to keep rates in check. Many things that result in higher rates such as traffic citations and an unacceptable credit history can be remedied by making minor changes in your lifestyle.
- Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from one company like GEICO or Allstate, while agents who are independent can provide price quotes for a wide range of insurance providers.
- Compare the new rate quotes to your current policy premium and see if there is a cheaper rate in Lincoln. If you can save money, ensure coverage does not lapse between policies.
- Tell your current company to cancel your existing policy. Submit payment along with a signed and completed policy application to the new insurer. As soon as you have the new policy, safely store the certificate verifying coverage above your visor, in the console, or in the glove compartment.
An important note is that you use similar limits and deductibles on every quote request and and to get quotes from as many companies as you can. This enables a level playing field and the most accurate and complete price analysis.
Additional articles
- Teen Driver Statistics (Insurance Information Institute)
- Who Has Cheap Auto Insurance Rates for Immigrants in Lincoln? (FAQ)
- What Auto Insurance is Cheapest for Low Mileage Drivers in Lincoln? (FAQ)
- Car Insurance: When not to Skimp (BankRate.com)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- Drunk Driving Statistics (Insurance Information Institute)