Compare Pontiac Vibe Insurance Rate Quotes in Portland

If saving money is your primary concern, then the best way to find cheaper prices for car insurance rates in Portland is to annually compare prices from providers that insure vehicles in Oregon. This can be done by completing these steps.

1. Get a basic knowledge of how your policy works and the modifications you can make to lower rates. Many policy risk factors that result in higher rates like traffic violations and poor credit can be eliminated by improving your driving habits or financial responsibility.
2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like Progressive and State Farm, while independent agents can provide rate quotes from multiple insurance companies. Begin your rate comparison
3. Compare the new rates to your existing rates to see if cheaper Vibe coverage is available. If you find better rates and make a switch, ensure there is no coverage lapse between policies.

A good tip to remember is to compare similar deductibles and liability limits on each quote request and to quote with as many companies as possible. This enables an accurate price comparison and a complete price analysis.

Anyone knows that auto insurance companies don’t want their policyholders to compare prices. Drivers who shop for lower rates are likely to buy a different policy because there is a great chance of finding a more affordable policy. A recent insurance study revealed that consumers who compared rate quotes regularly saved an average of $850 each year compared to people who never shopped for cheaper rates.

If finding the lowest price for Pontiac Vibe insurance is your ultimate objective, then having a good understanding how to compare insurance premiums can help make the process easier.

Best Pontiac Vibe insurance price quotes in Oregon

The companies shown below can provide price quotes in Portland, OR. To locate cheap car insurance in OR, it’s highly recommended you visit several of them to get the most competitive price.

Pontiac Vibe insurance charts and tables

The premium information shown below highlights detailed analysis of insurance premium costs for Pontiac Vibe models. Having knowledge of how rates are formulated is important to be able to make smart choices when comparing insurance rates.

Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate information does not factor in specific location which can impact coverage rates considerably.

Physical damage deductible comparison

One of the more difficult decisions when buying car insurance is where to set your physical damage deductibles. The tables below lay out how much more rates are when you select higher and lower coverage deductibles. The first rate quote example uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Premium amounts do not factor in zip code location which can increase or decrease rates noticeably.

Based on the above data, using a $250 deductible will cost in the ballpark of $25 more each month or $300 each year than choosing the higher $1,000 deductible. Because you would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 30 months between claim filings, you would save more money by selecting a higher deductible. The illustration below shows an example of how we made this calculation.

One important caveat is that higher deductibles results in having to pay to pay more out-of-pocket when you have to file a claim. That will necessitate some extra savings in the event you have to pay more to get your vehicle repaired.

Full coverage versus liability only rates

The diagram below illustrates the comparison of Pontiac Vibe premium costs when comparing full coverage to state minimum liability only. The information is based on no claims or driving citations, $250 deductibles, single marital status, and no additional discounts are factored in.

Are you wasting money paying for full coverage?

There is no clear-cut formula of when to phase out full coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s pretend your Pontiac Vibe claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $7,000 after paying your policy deductible. If you are paying in excess of $700 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some situations where only buying liability is not advised. If you still have a lienholder on your title, you have to maintain full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage in place.

Why Your Insurance Prices might be higher

Multiple criteria are part of the equation when quoting car insurance. Some are pretty understandable like your driving record, but some are more transparent like your vehicle usage or your financial responsibility.

Lower premiums for safer cars – Safe vehicles tend to have better insurance rates. The safest vehicles protect occupants better and lower injury rates means your insurance company pays less passed on to you as lower rates. If your Pontiac has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.

Bundling policies can get discounts – Many insurance companies allow better rates to people who buy several policies from them. It’s known as a multi-policy discount. Even if you qualify for this discount already, it’s still a good idea to compare Pontiac Vibe rates in Portland to guarantee you are still saving the most.

Additional coverages that may be costing you – There are quite a few optional add-on coverages that may not really be needed if you don’t pay attention. Insurance for rental car coverage, high-cost glass coverage, and extra life insurance coverage could be just wasting money. These may sound like a good investment when talking to your agent, but if you don’t need them think about removing them and cutting costs.

Older drivers pay less – Older, more experienced drivers tend to be more responsible, statistically cause fewer accidents, and receive fewer citations. Youthful drivers are known to be less responsible with other occupants in the car so insurance rates are higher.

The next chart is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.

Verify you’re receiving every discount

Car insurance is not an enjoyable expense, but there may be some discounts to help bring down the price. Most are applied at quote time, but some need to be asked about prior to getting the savings.

• Onboard Data Collection – Portland drivers who agree to allow their insurance company to look at driving habits by installing a telematics device like Allstate’s Drivewise may see discounts as long as they are good drivers.
• Multiple Cars – Buying coverage for multiple cars on one policy can reduce the rates for all insured vehicles.
• Good Student – Getting good grades may save you up to 25%. The discount lasts well after school through age 25.
• Discount for Passive Restraints – Factory air bags may qualify for discounts of 25 to 30%.
• Low Mileage – Keeping the miles down on your Pontiac could qualify for cheaper rates.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
• Bundle and Save – If you can combine your home and auto policy with one company they may give you a discount of 10% to 20% off each policy.

A little disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though you would think it’s possible to get free car insurance, company stockholders wouldn’t be very happy. Any amount of discount will lower the premium cost.

The information below compares Pontiac Vibe car insurance costs with and without some available policy discounts. The data assumes a male driver, no violations or claims, Oregon state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, safe-driver, multi-car, marriage, and claim-free discounts applied.

Some companies that may offer policyholders most of the discounts above include:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

When getting free Portland car insurance quotes, it’s a good idea to every insurance company how many discounts you can get. Some discounts may not apply to policies in Portland. To choose providers that offer many of these discounts in Portland, click here to view.

Do I need an insurance agent?

Some consumers just prefer to talk to an insurance agent. Good insurance agents are trained to spot inefficiencies and give you someone to call. One of the benefits of comparing rates online is the fact that you can find cheap rate quotes but still work with a licensed agent. Buying from and supporting neighborhood insurance agencies is especially important in Portland.

Upon completion of this form (opens in new window), your coverage information is instantly submitted to agents in your area that can provide free Portland car insurance quotes and help you find cheaper coverage. You won’t even need to search for any insurance agencies due to the fact that quote results will go straight to your inbox. If you need to compare rates from a specific company, feel free to find their quoting web page and fill out their quote form.

Listed below is a list of car insurance companies in Portland that can give you price quote information for Pontiac Vibe insurance in Portland.

More insurance agents

Finding the right company requires you to look at more than just a low price. Here are some questions you might want to ask.

• Is their price quote a firm figure or are their hidden costs?
• Do they regularly work with personal auto policies in Portland?
• Is the agent properly licensed in Oregon?
• Are they paid to recommend certain coverages?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?

Upon receiving acceptable answers to these questions and an affordable coverage quote, you’ve probably found an insurance company that is reliable enough to properly service your car insurance policy. But keep in mind it’s your coverage and you can cancel a policy whenever you want so don’t think that you are permanently stuck with the car insurance policy indefinitely.

Car insurance companies ranked

Finding the best insurance company can be difficult considering how many different companies there are to choose from in Oregon. The rank data in the lists below can help you analyze which providers to look at purchasing from.

Top 10 Portland Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. Titan Insurance
5. The General
6. AAA Insurance
7. State Farm
8. Mercury Insurance
9. Nationwide
10. Safeco

Top 10 Portland Car Insurance Companies Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Progressive
5. Liberty Mutual
6. GEICO
7. Allstate
8. Titan Insurance
9. The Hartford
10. Mercury Insurance

How to know if you need help

When quoting and comparing insurance from an agent or online, there really is not a “best” method to buy coverage. Each situation is unique and your policy should reflect that.
For instance, these questions could help you determine if your insurance needs will benefit from professional help.

• Why do I only qualify for high-risk insurance?
• Does having multiple vehicles earn me a discount?
• Should I rate my vehicle as business use?
• Does my personal policy cover me when driving out-of-state?
• What if I don’t agree with a claim settlement offer?
• Can I get by with minimal medical coverage if I have good health insurance?
• What is no-fault insurance?
• Do I need motorclub coverage?
• Why does it cost so much to insure a teen driver in Portland?
• Does coverage follow the driver or the vehicle?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Cheap car insurance rates are possible

The cheapest Pontiac Vibe insurance in Portland is definitely available online and with local Portland insurance agents, and you should compare rates from both to get a complete price analysis. Some car insurance companies don’t offer online price quotes and these smaller providers sell through independent agents.

In this article, we covered some good ideas how to save on Pontiac Vibe insurance in Portland. The key concept to understand is the more providers you compare, the better chance you’ll have of finding affordable Portland car insurance quotes. Drivers may even discover the most savings is with a smaller regional carrier. These companies may only write in your state and offer lower prices as compared to the big name companies such as Allstate or State Farm.

Other learning opportunities

• Rental Car Insurance Tips (Insurance Information Institute)
• Who Has Affordable Auto Insurance Rates for Felons in Portland? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for a Company Car in Portland? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for Drivers with a DUI in Portland? (FAQ)
• What Car Insurance is Cheapest for a Ford F-150 in Portland? (FAQ)
• Auto Insurance Learning Center (State Farm)
• Parking Tips to Reduce Door Dings (State Farm)
• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)