Car Insurance Rate Quotes for a Pontiac Vibe in Dallas

How many times have you told yourself to find the cheapest Pontiac Vibe insurance in Dallas? Have you fallen victim to an overpriced car insurance policy? Trust us, there are many Dallas drivers thinking the same thing.

It’s hard to believe, but most Texas car insurance customers have bought car insurance from the same company for more than four years, and 38% of customers have never shopped around. American drivers can save up to $860 each year, but they just don’t want to shop around. Lots of auto insurance companies contend for your hard-earned dollar, and it can be difficult to compare rates and get the definite lowest cost out there.

If you have insurance now or need a new policy, you can follow these tips to shop for the lowest rates without reducing protection. Buying the cheapest insurance in Dallas seems hard but is not really that difficult. Consumers just have to use the tricks to compare insurance rates online from multiple companies.

Many insurance companies allow consumers to get coverage price quotes directly from their websites. Doing online price comparisons for Pontiac Vibe insurance in Dallas is quite simple because you just enter your coverage information into the quote form. Once you submit the form, their rating system pulls reports for credit and driving violations and gives you a price quote. This simplifies rate comparisons, and it’s also necessary to get many rate quotes if you are searching for the lowest payment on auto insurance.

In order to fill out one form to compare multiple rates now, check out the auto insurance providers below. If you currently have coverage, we recommend you type in coverages and limits identical to your current policy. Using the same limits helps guarantee you will receive a fair comparison based on the exact same insurance coverage.

The following companies offer price comparisons in Dallas, TX. If more than one company is shown, it’s a good idea that you compare several of them to find the cheapest auto insurance rates.

Cheaper Dallas auto insurance quotes with discounts

Car insurance companies don’t necessarily list every policy discount very well, so the list below contains some of the best known and the more hidden discounts that may be available.

• Military Discounts – Being on active deployment in the military may lower your prices slightly.
• Accident Free – Dallas drivers who stay claim-free have much lower rates in comparison to drivers with a long claim history.
• Passenger Safety Discount – Cars that have air bags or motorized seat belts may qualify for discounts of 25 to 30%.
• Organization Discounts – Being a member of a civic or occupational organization in Dallas could qualify you for a break on auto insurance.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully take a driver’s education course in high school.
• Discount for Life Insurance – Larger insurance carriers have a discounted price on car insurance if you buy life insurance.
• E-sign – A few auto insurance companies will give you a small discount for buying a policy and signing up online.
• Safe Drivers – Insureds without accidents may receive a discount up to 45% compared to rates paid by drivers with frequent claims.
• Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
• Driver Training Discounts – Taking a course teaching driver safety skills could save 5% or more if your company offers it.

Don’t be surprised that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

The chart below shows the difference between Pontiac Vibe car insurance rates with and without some available policy discounts. The information is based on a female driver, no claims or violations, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, multi-policy, claim-free, and homeowner discounts applied.

Some of the larger companies that may include some of the above discounts include:

• Progressive
• Farmers Insurance
• Farm Bureau
• State Farm
• GEICO
• SAFECO
• Liberty Mutual

Before buying, ask every insurance company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered on policies in Dallas.

Auto insurance analysis for a Pontiac Vibe

The premium table shown below highlights a range of insurance costs for Pontiac Vibe models. Being able to understand how insurance policy rates are determined can help customers make informed decisions when comparing rate quotes.

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Information does not factor in specific zip code location which can increase or decrease premium rates considerably.

Higher deductibles lower rates

A question often asked by Dallas drivers is which deductibles should you choose. The comparisons below approximate the difference in cost when you choose different insurance deductibles. The first price estimate table uses a $100 deductible for physical damage and the second rate table uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Price estimates do not factor in specific zip code location which can affect prices noticeably.

Based on these figures, using a $100 deductible could cost the average driver approximately $27 more each month or $324 annually across all Pontiac Vibe models than opting for the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 15 months between claim filings, you would more than likely save some money by selecting a higher deductible.

The information below shows how different deductible levels and can affect Pontiac Vibe insurance costs for different age groups. The rate quotes are based on a married male driver, comp and collision included, and no policy discounts are applied.

Pontiac Vibe annual premiums for males versus females

The illustration below compares Pontiac Vibe car insurance costs for male and female drivers. The premiums are based on no claims or driving violations, full physical damage coverage, $100 deductibles, single marital status, and no discounts are factored in.

Learn How to Lower Your Insurance Costs

Multiple criteria are used when you quote your car insurance policy. Some factors are common sense such as traffic violations, but some are more transparent like your vehicle usage or how safe your car is. The best way to find cheaper car insurance is to take a look at the factors that help calculate the rates you pay for car insurance. If you have some idea of what determines base rates, this enables you to make decisions that will entitle you to lower rates.

• Insurance rates in urban areas – Choosing to live in areas with lower population is a positive aspect when buying car insurance. Fewer drivers and short commutes means fewer accidents and lower theft and vandalism rates. Drivers who live in large Texas cities have more aggressive driving styles and longer commute times. More time on the road translates into higher accident risk.

• How’s your driving record? – Drivers who don’t get tickets receive lower rates than their less careful counterparts. Just one citation may cause rates to rise to the point where it’s not affordable. People who have flagrant tickets such as hit and run, DWI or reckless driving convictions may need to complete a SR-22 with their state’s department of motor vehicles in order to prevent a license revocation.

  The chart below demonstrates how traffic citations and accidents can drive up Pontiac Vibe insurance premiums for different age categories. The premium estimates are based on a married female driver, full coverage, $100 deductibles, and no discounts are factored in.

• Fewer miles means better rates – The higher the miles on your Pontiac each year the more you’ll pay to insure it. Most insurance companies charge rates based upon how much you drive. Cars and trucks that are left in the garage receive better premium rates than those that get driven frequently. It’s a smart idea to ensure your declarations sheet properly reflects annual mileage. An incorrectly rated Vibe is just wasting money.
• Your career may increase rates – Do you have a high-stress occupation? Jobs such as fire fighters, social workers, and financial analysts tend to pay higher premium rates because of intense work situations and long work hours. On the flip side, jobs like scientists, engineers and homemakers pay lower than average rates.
• Qualify for multi-policy discounts – Most companies will award lower prices to clients that purchase more than one policy, otherwise known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. If you currently are using one company, it’s always a smart idea to compare Pontiac Vibe rates in Dallas to make sure you are getting the best deal. You may still be able to find a better deal by buying from different companies