How long has it been since you compared quotes for the cheapest Pontiac Vibe insurance in Fresno? Are you sick and tired of sacrificing to make your auto insurance payment? You’re in the same situation as many other vehicle owners in California.
It’s safe to assume that car insurance companies don’t want you to look for a cheaper policy. Drivers who shop around for a cheaper policy will, in all likelihood, switch companies because there is a significant possibility of finding a policy with more affordable rates. Surprisingly, a recent survey revealed that drivers who shopped around every year saved on average $3,400 over four years compared to people who never compared other company’s rates.
If finding the cheapest rates on Pontiac Vibe insurance is why you’re reading this, then having a good understanding how to get price quotes and compare auto insurance can make it simple to find affordable coverage.
How to find lower priced Pontiac Vibe insurance in Fresno
The best way we recommend to get budget auto insurance rates in Fresno is to start doing an annual price comparison from different companies in California. This can be done by following these steps.
- First, take a few minutes and learn about policy coverages and the measures you can take to keep rates in check. Many risk factors that cause rate increases such as traffic tickets, fender benders, and an imperfect credit rating can be amended by making small lifestyle or driving habit changes.
- Second, compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from one company like Progressive or State Farm, while agents who are independent can quote prices from multiple companies. View prices
- Third, compare the new rate quotes to your current policy to see if a cheaper rate is available in Fresno. If you find a better price, make sure coverage is continuous and does not lapse.
One piece of advice is that you’ll want to compare the same amount of coverage on each price quote and and to look at as many companies as feasibly possible. This enables a fair rate comparison and a better comparison of the market.
Multiple auto insurance companies compete for your insurance dollar, so it can be very hard to choose a company and uncover the absolute lowest price on Pontiac Vibe insurance in Fresno.
It’s smart to quote other rates before your next renewal because prices are adjusted regularly by insurance companies. Even if you got the best rate on Pontiac Vibe insurance in Fresno six months ago the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the only way to get good coverage on Pontiac Vibe insurance in Fresno at a lower rate.
Do you qualify for discounts on Pontiac Vibe insurance in Fresno?
Insuring your vehicles can cost a lot, but you might be missing out on some discounts that could drop your premiums quite a bit. Certain credits will be shown at the time you complete a quote, but some must be asked for before being credited.
- Senior Citizen Discount – If you’re over the age of 55, you may receive better car insurance rates.
- Passive Restraint Discount – Vehicles equipped with air bags can qualify for discounts of 25 to 30%.
- Early Renewal Discounts – A few larger companies give discounts for switching policies prior to your current Vibe insurance policy expiration. Ten percent is about the average savings.
- Save with a New Car – Buying a new car instead of a used Vibe may earn a small discount due to better safety requirements for new model year vehicles.
- Low Mileage Discounts – Driving fewer miles can earn better prices on cars that stay parked.
- Safe Driver Discount – Accident-free drivers can get discounts for up to 45% lower rates than drivers with accidents.
- Policy Bundle Discount – If you have multiple policies with one insurance company you may earn approximately 10% to 15%.
- Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
- Save with More Vehicles Insured – Buying coverage for all your vehicles on a single policy can reduce rates for all insured vehicles.
A little note about advertised discounts, some of the credits will not apply the whole policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way.
The illustration below shows the difference between Pontiac Vibe insurance costs with and without policy discounts. The costs are based on a female driver, no claims or violations, California 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 multi-car, claim-free, homeowner, safe-driver, multi-policy, and marriage discounts applied.
To see insurance companies who offer car insurance discounts in California, follow this link.
When shopping for Pontiac Vibe insurance in Fresno there are multiple ways to compare quotes from many available insurance companies in California. The best way to compare rates is to jump online and get quotes.
It’s so fast and easy to compare rates online that it takes the place of having to drive around to local Fresno insurance agencies. The ability to buy insurance online eliminates the middleman unless you have a need for the professional advice of an agent trained in personal lines coverage. Some companies do allow you to compare online quotes and still use a local agent.
When price shopping your coverage, getting more free quotes increases your odds of finding lower pricing. Some smaller insurers do not give online price quotes, so you also need to get rates from those companies as well.
The providers in the list below are ready to provide free rate quotes in California. In order to find cheap car insurance in Fresno, we recommend you compare several of them in order to get a fair rate comparison.
Insurance rate breakdown
The premium information shown next highlights a range of insurance rates for Pontiac Vibe models. Learning how auto insurance policy rates are established can help you make smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vibe 1.8 | $240 | $362 | $492 | $30 | $148 | $1,272 | $106 |
| Vibe 2.4 | $240 | $362 | $492 | $30 | $148 | $1,272 | $106 |
| Vibe AWD | $272 | $426 | $492 | $30 | $148 | $1,368 | $114 |
| Vibe GT | $272 | $426 | $492 | $30 | $148 | $1,368 | $114 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Price information does not factor in your specific Fresno location which can impact price quotes significantly.
Physical damage deductibles
A question often asked by Fresno drivers is at what level do you set your deductibles. The following tables determine how much more you’ll pay when you buy lower versus higher physical damage deductibles. The first rate quote example uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vibe 1.8 | $380 | $686 | $376 | $22 | $112 | $1,601 | $133 |
| Vibe 2.4 | $380 | $686 | $376 | $22 | $112 | $1,601 | $133 |
| Vibe AWD | $430 | $810 | $376 | $22 | $112 | $1,775 | $148 |
| Vibe GT | $430 | $810 | $376 | $22 | $112 | $1,775 | $148 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vibe 1.8 | $210 | $362 | $376 | $22 | $112 | $1,082 | $90 |
| Vibe 2.4 | $210 | $362 | $376 | $22 | $112 | $1,082 | $90 |
| Vibe AWD | $238 | $426 | $376 | $22 | $112 | $1,174 | $98 |
| Vibe GT | $238 | $426 | $376 | $22 | $112 | $1,174 | $98 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Table data does not factor in vehicle location which can decrease or increase auto insurance rates substantially.
Using the premium rates above, we can conclude that using a $100 deductible costs an average of $47 more each month or $564 each year across all Pontiac Vibe models than buying the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 19 months between claims, you would more than likely save some money if you decide on a higher deductible.
Full coverage rates vs. liability-only
The information below shows the comparison of Pontiac Vibe car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no driving violations, no at-fault accidents, $100 deductibles, single status, and no other discounts are factored in.
Should you be buying full coverage?
There isn’t a steadfast formula of when to exclude full coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is about 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let’s assume your Pontiac Vibe replacement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $2,000 after you pay the deductible. If premiums are more than $200 annually for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are a few cases where eliminating full coverage is not in your best interest. If you haven’t satisfied your loan, you have to carry full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not remove full coverage.
Do I need special coverages?
When it comes to choosing coverage, there really is not a perfect coverage plan. Everyone’s situation is unique.
For instance, these questions might point out if your insurance needs would benefit from professional advice.
- Who is covered by my policy?
- Are my friends covered when driving my Pontiac Vibe?
- What if I owe more than I can insure my car for?
- Is pleasure use cheaper than using my Pontiac Vibe to commute?
- At what point should I drop full coverage?
- How can I get the company to pay a claim?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form.
Local agents and insurance
Many people would rather buy from a licensed agent and that is OK! The biggest benefit of price shopping on the web is you can get lower rates but also keep your business local.
Once you complete this simple form, your insurance data is emailed to local insurance agents in Fresno that can provide free Fresno auto insurance quotes to get your business. You never need to drive around since rate quotes are delivered to you directly. You can most likely find cheaper rates and a licensed agent to work with. If for some reason you want to compare rates from a particular provider, you just need to visit that company’s website to submit a rate quote request.
Choosing an insurance company should depend on more than just the quoted price. Some important questions to ask are:
- Does their agency support local causes in Fresno?
- How long have they worked with personal auto insurance coverage?
- How is replacement cost determined on your vehicle?
- How much can you save by raising your physical damage deductibles?
- Are there any discounts for paying up front?
Is an exclusive or independent auto insurance agent right for you?
If you need to find a reliable insurance agency, you need to know there are two different agency structures and how they are slightly different. Insurance agencies are considered either independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agents
These type of agents write business for a single company such as Allstate, Farmers Insurance, State Farm, and AAA. These agents are unable to compare rates from other companies so they are skilled at selling on more than just price. Exclusive agencies are usually well trained in insurance sales and that allows them to sell at a higher price point.
Listed below are exclusive agencies in Fresno that can give you comparison quotes.
Allstate Insurance: Ron Meadows
1750 E Bullard Ave Ste 101 – Fresno, CA 93710 – (559) 432-0656 – View Map
Allstate Insurance: Gary Gonzales
191 W Shaw Ave Ste 109 – Fresno, CA 93704 – (559) 243-2020 – View Map
Allstate Insurance: Roger Noguera
3032 W Bullard Ave – Fresno, CA 93711 – (559) 435-2246 – View Map
Independent Agents (or Brokers)
Agents that elect to be independent are appointed with more than one company so they can insure your vehicles with multiple insurance companies enabling the ability to shop coverage around. If they quote lower rates, they simply move the coverage in-house which makes it simple for you.
When searching for an agent, it’s recommended you get insurance quotes from independent agents for the best price selection.
Below is a short list of independent insurance agencies in Fresno willing to provide comparison quotes.
New Horizon Insurance
3039 W Ashlan Ave – Fresno, CA 93726 – (559) 244-6644 – View Map
M D Manouel Insurance Inc
7447 N First St – Fresno, CA 93720 – (559) 446-0588 – View Map
DLL Insurance Agency
5088 N Fruit Ave Suite 101 – Fresno, CA 93711 – (559) 451-3411 – View Map
Insurance specifics
Understanding the coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.
Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for hospital visits, dental work, funeral costs and doctor visits. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible
Liability car insurance – Liability coverage can cover damage that occurs to other’s property or people by causing an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 15/30/5 which stand for a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and a limit of $5,000 paid for damaged property.
Liability coverage pays for claims like attorney fees, funeral expenses and medical services. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford. California requires drivers to carry at least 15/30/5 but drivers should carry better liability coverage.
The next chart shows why the minimum limit may not be adequate coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Pontiac Vibe.
Because many people only purchase the least amount of liability that is required (which is 15/30/5), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.
Collision coverage – This covers damage to your Vibe resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.
Collision coverage pays for claims such as scraping a guard rail, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also choose a higher deductible on your Vibe to bring the cost down.
Comprehensive auto coverage – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like hail damage, fire damage, falling objects and hitting a bird. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Quote more and you will save more
We just covered many ways to find affordable Pontiac Vibe insurance in Fresno. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding affordable Pontiac Vibe insurance quotes. You may even discover the biggest savings come from the smaller companies.
Lower-priced car insurance in Fresno can be purchased from both online companies and from local agencies, so you should compare both to have the best chance of lowering rates. Some insurance providers do not offer internet price quotes and these smaller providers sell through independent insurance agencies.
Consumers switch companies for a variety of reasons including policy non-renewal, extreme rates for teen drivers, high prices and even poor customer service. Regardless of your reason, finding a great new company is pretty easy and you might even save some money in the process.
How to find cheaper rates for Pontiac Vibe insurance in Fresno
If you want to save money, the best way to get budget auto insurance rates in Fresno is to regularly compare prices from insurers who provide car insurance in California.
First, spend a few minutes and learn about car insurance and the changes you can make to keep rates low. Many risk factors that drive up the price like accidents, careless driving, and an unacceptable credit history can be rectified by making lifestyle changes or driving safer.
Second, request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from one company like Progressive or Farmers Insurance, while independent agencies can provide prices for a wide range of companies.
Third, compare the price quotes to the price on your current policy to see if a cheaper rate is available in Fresno. If you can save some money and decide to switch, ensure there is no coverage lapse between policies.
Fourth, provide notification to your current company of your intent to cancel your current coverage. Submit a down payment and signed policy application to your new agent or company. Once the paperwork is finalized, keep your new certificate verifying coverage along with the vehicle’s registration papers.
A good piece of advice is to try to use identical deductibles and limits on every quote and and to analyze as many car insurance companies as possible. Doing this helps ensure a fair rate comparison and and a good selection of different prices.
Helpful information
- Auto Insurance Basics (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance Rates for Seniors in Fresno? (FAQ)
- Who Has Affordable Auto Insurance for Single Moms in Fresno? (FAQ)
- How Much is Auto Insurance for a Nissan Versa in Fresno? (FAQ)
- Rental Reimbursement Coverage (Allstate)
- State Car Insurance Guides (GEICO)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Get the Right Protection (InsureUonline.org)