Pontiac Vibe Insurance Quotes in Jersey City

It’s shocking but a large majority of consumers kept buying from the same company for at least the last four years, and virtually 40% of consumers have never quoted rates to find cheap coverage. New Jersey consumers could pocket almost $700 a year, but most undervalue the benefits if they just switched companies.

To save the most money, the best way to get affordable auto insurance rates in Jersey City is to regularly compare quotes from different companies that sell auto insurance in New Jersey. This can be done by following these steps.

Step 1: Get a basic knowledge of car insurance and the things you can control to lower rates. Many policy risk factors that drive up the price such as speeding and poor credit rating can be rectified by making minor driving habit or lifestyle changes. This article provides instructions to lower rates and find missing discounts.

Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like GEICO or Allstate, while independent agents can provide rate quotes for a wide range of insurance providers.

Step 3: Compare the price quotes to your current policy premium to determine if you can save on Vibe insurance in Jersey City. If you can save money and change companies, ensure there is no coverage lapse between policies.

An important part of this process is that you’ll want to compare the same deductibles and limits on each quote request and and to get rates from every insurance company. Doing this provides an apples-to-apples comparison and and a good selection of different prices.

The most recommended method to compare rate quotes for Pontiac Vibe insurance in Jersey City is to know the trick most of the larger companies allow for online access to give rate comparisons. The only thing you need to do is provide details including if the car is leased, if you have an active license, marital status, and how much education you have. That information gets sent immediately to multiple auto insurance providers and you get price estimates quickly.

If you would like to start a quote now, click here and enter the information requested.

The companies shown below have been selected to offer free quotes in Jersey City, NJ. To locate cheap car insurance in New Jersey, we recommend you visit two to three different companies to get the best price comparison.

Pontiac Vibe insurance rates and statistics

The rate information displayed next highlights detailed analysis of rate quotes for Pontiac Vibe models. Having a better idea how auto insurance prices are established can benefit drivers when making smart choices when purchasing an insurance policy.

Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in specific Jersey City garaging location which can decrease or increase insurance rates substantially.

How high should deductibles be?

When comparing car insurance rates, the most common question is what deductibles to buy. The tables below lay out the rate fluctuation when you choose different physical damage deductibles. The first table uses a $100 deductible for comp and collision and the second rate table uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Table data does not factor in specific garaging location which can decrease or increase coverage prices considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs approximately $34 more each month or $408 a year averaged for all Vibe models than selecting the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average more than 12 months between claim filings, you would come out ahead by selecting a higher deductible.

Pontiac Vibe insurance costs by age and gender

The chart below compares Pontiac Vibe car insurance costs for male and female drivers. The costs are based on no tickets, no at-fault accidents, full physical damage coverage, $100 deductibles, single marital status, and no additional discounts are factored in.

Difference between full coverage and liability only rates

The information below illustrates the difference between Pontiac Vibe yearly insurance costs when comparing full coverage to state minimum liability only. The premium estimates are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

When to drop full coverage

There is no set guideline to exclude full coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s assume your Pontiac Vibe book value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $5,000 after the deductible is paid. If you are paying in excess of $500 a year for full coverage, then it may be the right time to buy liability only.

There are a few cases where removing full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not drop full coverage.

Insurance policy discounts for Pontiac Vibe insurance in Jersey City

Some providers don’t always advertise every possible discount in a way that’s easy to find, so the below list has a few of the more well known and also the lesser-known discounts that you may qualify for.

• Passive Restraints – Options like air bags or automatic seat belts can qualify for discounts of 20% or more.
• Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower insurance rate if you buy a life policy as well.
• Jersey City Homeowners Pay Less – Owning a house in Jersey City can get you a discount because maintaining a house means you have a higher level of financial diligence.
• Seat Belt Usage – Drivers who require all vehicle occupants to buckle their seat belts can save 10% or more off the personal injury premium cost.
• College Student – Children who attend college more than 100 miles from Jersey City and do not take a car to college can be insured at a reduced rate.
• Student Driver Training – Have your child successfully take a driver’s education course as it can save substantially.
• Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are less likely to be stolen so companies will give you a small discount.
• Early Switch Discount – Select insurance companies give a discount for switching to them before your current expiration date. The savings is around 10%.
• Waiver for an Accident – Not really a discount, but a handful of insurance companies may permit one accident without getting socked with a rate hike if you are claim-free for a certain period of time.

Policy discounts save money, but most credits do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, you won’t be that lucky.

The information below visualizes the comparison of Pontiac Vibe car insurance rates with and without discounts. The data assumes a male driver, no violations or accidents, New Jersey state minimum liability limits, full 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.

Larger insurance companies and a summarized list of policyholder discounts include:

• GEICO may have discounts that include seat belt use, anti-lock brakes, defensive driver, daytime running lights, and good student.
• USAA discounts include family discount, multi-policy, multi-vehicle, new vehicle, loyalty savings, and vehicle storage.
• Progressive includes discounts for continuous coverage, multi-policy, multi-vehicle, online quote discount, homeowner, online signing, and good student.
• American Family policyholders can earn discounts including Steer into Savings, accident-free, defensive driver, air bags, and bundled insurance.
• Esurance offers discounts including online quote, DriveSense, Pac-12 alumni, good student, defensive driver, multi-car, and claim free.
• Farmers Insurance has discounts for early shopping, teen driver, homeowner, alternative fuel, and bundle discounts.
• State Farm may offer discounts for good student, driver’s education, safe vehicle, Steer Clear safe driver discount, and defensive driving training.

Before purchasing a policy, check with each company or agent to give you their best rates. Some discounts might not apply in your area. To see providers who offer insurance discounts in Jersey City, click here to view.

Why car insurance is not optional

Despite the potentially high cost of Pontiac Vibe insurance, insuring your vehicle serves an important purpose.

• The majority of states have mandatory insurance requirements which means you are required to carry specific minimum amounts of liability insurance if you don’t want to risk a ticket. In New Jersey these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If your Pontiac Vibe has a lienholder, it’s guaranteed your bank will make it mandatory that you have full coverage to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the bank may buy a policy for your Pontiac for a lot more money and force you to pay a much higher amount than you were paying before.
• Insurance protects not only your Pontiac Vibe but also your assets. Insurance will pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If you have damage to your Pontiac as the result of the weather or an accident, your car insurance policy will cover the repair costs.

The benefits of buying enough insurance outweigh the cost, especially when you need to use it. The average driver in America overpays as much as $855 a year so you should quote rates every year to be sure current rates are still competitive.

Local Jersey City insurance agencies

Some consumers would rather get advice from a local agent and that is not a bad decision A good thing about comparing insurance prices online is that you can obtain cheap car insurance rates and still choose a local agent. And supporting local insurance agents is especially important in Jersey City.

To help locate an agent, after submitting this simple form, your information is sent to insurance agents in Jersey City who will gladly provide quotes for your coverage. You won’t need to even leave your home due to the fact that quote results will go instantly to you. You can find better rates and work with a local agent. If you need to quote rates from one company in particular, you just need to find their quoting web page to submit a rate quote request.

Pick the best car insurance agent in Jersey City for you

When researching a local Jersey City insurance agency, there are two different agency structures and how they work. Agents in Jersey City are either independent (non-exclusive) or exclusive.

Independent Agents (or Brokers)

Agents of this type are appointed with more than one company and that is an advantage because they can write policies with any number of different companies and find the cheapest car insurance rates. If they find a cheaper price, your agent can just switch to a different company which is easy for the insured.

When comparing rates, you need to include a couple of independent agencies in order to compare the most rates.

Shown below is a list of independent insurance agents in Jersey City who can help you get free price quotes.

View more Jersey City agents

Exclusive Agencies

Agents that elect to be exclusive are contracted to one company like State Farm, Allstate, and Farm Bureau. They are unable to shop your coverage around so they are skilled at selling on more than just price. Exclusive agencies are usually quite knowledgeable on what they offer which can be an advantage.

Shown below is a list of exclusive agents in Jersey City that can give you price quotes.

View more Jersey City agents

Finding the right insurance agent requires you to look at more than just the price. Any agent in Jersey City should be forthright in answering these questions:

• Does the agency have a positive business rating?
• Do they carry Errors and Omissions coverage?
• Are all drivers listed on the coverage quote?
• Do they get paid more for recommending certain coverages?
• Is working in the agency their full-time job?
• Do they assist clients in filing claims?
• Does the agent have a valid license to sell insurance in New Jersey?
• What insurance company do they write the most business with?

Auto insurance coverage basics

Learning about specific coverages of your auto insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages found on the average auto insurance policy.

Liability auto insurance – This will cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 15/30/5 which means $15,000 in coverage for each person’s injuries, $30,000 for the entire accident, and a total limit of $5,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as bail bonds, legal defense fees, medical expenses, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is your choice, but buy as much as you can afford. New Jersey requires drivers to carry at least 15/30/5 but you should consider buying more coverage.

The chart below shows why low liability limits may not be enough coverage.

Medical expense insurance – Med pay and PIP coverage kick in for bills for things like EMT expenses, hospital visits and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits (15/30/5), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits do not exceed the liability coverage limits.

Comprehensive (Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as fire damage, falling objects, damage from getting keyed and damage from a tornado or hurricane. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage – Collision insurance will pay to fix damage to your Vibe caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a mailbox, sideswiping another vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible on your Vibe to save money on collision insurance.