Want a free price quotes on the cheapest Pontiac Vibe insurance in Miami? Finding cheaper insurance for a new or used Pontiac Vibe in Florida can be a painful process, but you can learn a few tricks to find lower rates. There are more efficient ways to buy insurance and we’ll show you the best way to quote coverages for a new or used Pontiac and locate the lowest possible price from both online companies and Miami agents.
It’s a great practice to price shop coverage periodically because prices change regularly. If you had the best quotes on Pontiac Vibe insurance in Miami last year you will most likely find a better rate today. Ignore everything you know about insurance because we’re going to show you how to use the internet to remove unneeded coverages and save money.
Companies offering Pontiac Vibe insurance in Florida
The car insurance companies shown below are our best choices to provide comparison quotes in Miami, FL. To get the cheapest car insurance in Miami, we recommend you visit several of them to get a more complete price comparison.
Statistics and details
The premium table displayed next highlights detailed analysis of prices for Pontiac Vibe models. Learning more about how insurance prices are determined can be valuable when making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vibe 1.8 | $344 | $732 | $460 | $28 | $138 | $1,702 | $142 |
| Vibe 2.4 | $344 | $732 | $460 | $28 | $138 | $1,702 | $142 |
| Vibe AWD | $388 | $864 | $460 | $28 | $138 | $1,878 | $157 |
| Vibe GT | $388 | $864 | $460 | $28 | $138 | $1,878 | $157 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Price estimates do not factor in your specific Miami location which can influence premium rates noticeably.
Comparison of policy deductibles
When comparing car insurance rates, the most common question is how high should the deductibles for physical damage be. The tables below can help you visualize how much more you’ll pay when you select higher and lower insurance deductibles. The first price estimate table uses a $100 deductible for comp and collision and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vibe 1.8 | $358 | $648 | $354 | $20 | $106 | $1,511 | $126 |
| Vibe 2.4 | $358 | $648 | $354 | $20 | $106 | $1,511 | $126 |
| Vibe AWD | $406 | $764 | $354 | $20 | $106 | $1,675 | $140 |
| Vibe GT | $406 | $764 | $354 | $20 | $106 | $1,675 | $140 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vibe 1.8 | $262 | $438 | $354 | $20 | $106 | $1,180 | $98 |
| Vibe 2.4 | $262 | $438 | $354 | $20 | $106 | $1,180 | $98 |
| Vibe AWD | $296 | $516 | $354 | $20 | $106 | $1,292 | $108 |
| Vibe GT | $296 | $516 | $354 | $20 | $106 | $1,292 | $108 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Table data does not factor in vehicle location which can revise premiums greatly.
Based on this data, we can arrive at the conclusion that using a $100 deductible costs about $30 more each month or $360 each year averaged for all Vibe models than quoting the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to go more than 13 months between claims, you would come out ahead if you decide on a higher deductible.
Full coverage versus liability only rates
The information below illustrates the difference between Pontiac Vibe auto insurance costs with liability coverage only compared to full coverage. The premiums assume a clean driving record, no at-fault accidents, $1,000 deductibles, single status, and no discounts are taken into consideration.
Deciding between full coverage and liability only
There is no exact rule of when to exclude physical damage insurance, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let’s pretend your Pontiac Vibe claim settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $6,000 after the policy deductible has been paid. If you are paying over $600 a year for physical damage coverage, then you might want to consider buying only liability coverage.
There are some cases where eliminating full coverage is not recommended. If you still have a lienholder on your title, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.
Cheap Pontiac Vibe insurance in Miami
Insurance is neither fun to buy or cheap, but there could be significant discounts to cut the cost considerably. Some of these discounts will be visible at the time of purchase, but a few must be asked for before you will receive the discount.
- Discount for Life Insurance – Larger insurance carriers have a break if you buy life insurance from them.
- ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS and/or traction control can reduce accidents so you can save 10 percent or more.
- Switch and Save Discount – Some insurance companies give discounts for switching to them prior to your current Vibe insurance policy expiration. You can save around 10% with this discount.
- Good Student Discount – This discount can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
- Driver Safety – Participating in a driver safety course can save you 5% or more if you qualify.
- Fewer Miles Equal More Savings – Low annual miles may allow you to get better prices on cars that stay parked.
- Distant College Student Discount – Kids living away from Miami attending college without a vehicle on campus may qualify for this discount.
- Driving Data Discount – Insureds that choose to allow companies to spy on vehicle usage by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they exhibit good driving behavior.
You should keep in mind that most discount credits are not given to your bottom line cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like you can get free auto insurance, that’s just not realistic.
The information below compares Pontiac Vibe insurance costs with and without discounts being applied to the rates. The information is based on a male driver, no claims or driving violations, Florida state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, marriage, multi-policy, claim-free, and safe-driver discounts applied.
A few of the larger companies and a summarized list of policyholder discounts are:
- State Farm may include discounts for good driver, Drive Safe & Save, anti-theft, driver’s education, multiple policy, Steer Clear safe driver discount, and good student.
- Progressive has savings for homeowner, online signing, multi-policy, multi-vehicle, continuous coverage, and good student.
- Progressive offers discounts for good student, online quote discount, homeowner, continuous coverage, and online signing.
- MetLife may offer discounts for claim-free, good driver, defensive driver, multi-policy, accident-free, and good student.
- Farm Bureau includes discounts for driver training, good student, multi-vehicle, safe driver, 55 and retired, and renewal discount.
- GEICO may have discounts that include driver training, anti-theft, military active duty, five-year accident-free, defensive driver, and air bags.
- SAFECO policyholders can earn discounts including homeowner, anti-lock brakes, bundle discounts, safe driver, anti-theft, accident prevention training, and multi-car.
Before buying, ask every insurance company which discounts you may be entitled to. Some discounts may not be available in Miami.
How You Can Control Pontiac Vibe Insurance Rates
Lots of things are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious such as your driving record, but other criteria are not as apparent such as whether you are married and annual miles driven. Consumers need to have an understanding of a few of the rating criteria that are used to determine the level of your policy premiums. If you know what determines base rates, this allows you to make good choices that can help you get better car insurance rates.
The factors shown below are a partial list of the pieces companies use to determine your rates.
Raise comp and collision deductibles and save – Coverage for physical damage, also called ‘full coverage’, covers your vehicle from damage. Some examples of covered claims are colliding with a building, vandalism, or theft. Comp and collision deductibles are how much you are willing to pay if you file a covered claim. The more of the claim you pay before a claim is paid (deductible), the less your car insurance will be.
Does your job cost you more? – Occupations such as lawyers, business owners, and dentists are shown to have higher average rates in part from job stress and lots of time spent away from family. On the flip side, occupations such as professors, engineers and homemakers have lower than average premiums.
Insure your auto and home with one company – The majority of companies will give a discount to clients that buy multiple policies such as combining an auto and homeowners policy. Even if you already get this discount, you may still want to get quotes from other companies to help ensure you have the lowest rates. You may still save more without the discount by buying insurance from more than one company.
Excellent credit means lower rates – Credit rating is likely to be a major factor in determining what you pay for car insurance. If your credit score can be improved, you could potentially save money when insuring your Pontiac Vibe if you improve your credit rating. People that have very high credit ratings tend to be more responsible and file fewer claims than those with lower ratings.
How do annual miles impact costs? – The higher the miles on your Pontiac in a year the higher your rates will be. Almost all companies calculate prices partially by how you use the vehicle. Cars and trucks that have low annual miles receive lower rates compared to those used for work or business. A policy that improperly rates your Vibe may be wasting your money. It’s a good idea to make sure your car insurance coverage is rated on the right rating data.
Where you live – Residing in areas with lower population can save you money when trying to find low car insurance rates. Less people living in that area means reduced accidents as well as less vandalism and auto theft. People who live in big cities tend to have traffic congestion and higher rates of accident claims. The longer drive time means more chances of being involved in an auto accident.
Don’t skimp on liability insurance – Liability coverage kicks in when a jury decides you are liable for personal injury or accident damage. Your liability coverage provides legal defense coverage starting from day one. It is affordable coverage as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
Gender and insurance rates – Over the last 50 years, statistics have shown women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. They both get in accidents in similar percentages, but guys tend to have higher claims. Men also tend to get cited for more serious violations like driving under the influence (DUI). Male teenagers are the most expensive to insure and thus pay the highest rates.
The example below shows the difference between Pontiac Vibe auto insurance costs for male and female drivers. The costs are based on no violations or accidents, full coverage, $500 deductibles, single status, and no discounts are applied.
You are unique and your insurance should be too
When selecting proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that.
These are some specific questions might help in determining whether or not you may require specific advice.
- Does car insurance cover theft of personal property?
- Am I covered when driving someone else’s vehicle?
- Does my Pontiac Vibe qualify for pleasure use?
- Should I have combined single limit or split liability limits?
- I don’t drive much so do I pay less?
- Is my custom paint covered by insurance?
- Does having multiple vehicles earn me a discount?
- Can I use my car for my catering business?
- Do I have coverage if I rent a car in Mexico?
If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, free and can help protect your family.
Exclusive versus independent insurance agents
Certain consumers prefer to buy from a local agent and doing so can bring peace of mind Most agents are trained risk managers and help file insurance claims. The biggest benefit of comparing insurance online is that you can obtain cheap rate quotes and still choose a local agent.
To make it easy to find an agent, after completing this quick form, your information gets sent to insurance agents in Miami who will gladly provide quotes for your business. You won’t even need to drive around because quoted prices will be sent to your email. If you wish to compare rates from a specific insurance company, you can always visit that company’s website and submit a quote form there.
Choosing the best insurance company should depend on more than just a cheap quote. These are some valid questions you should ask.
- Is working in the agency their full-time job?
- How is replacement cost determined on your vehicle?
- Does the company allow you to choose your own collision repair facility?
- Does the agent have a valid license to sell insurance in Florida?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
Pick the best auto insurance agent in Miami for you
When researching a good Miami insurance agent, it’s important to understand the different agency structures from which to choose. Insurance agencies in Miami are classified as either independent agents or exclusive agents depending on their employer. Either one can provide insurance policies, but it is a good idea to know how they are different since it can impact which type of agent you select.
Exclusive Insurance Agents
These agents have only one company to place business with and examples are State Farm, AAA, and Liberty Mutual. They generally cannot provide other company’s prices so always compare other rates. Exclusive agents are usually well trained on the products they sell which helps them compete with independent agents. Consumers frequently buy from exclusive agents partially due to the brand legacy and the convenience of having all coverages with one company.
Listed below are exclusive agents in Miami that can give you comparison quotes.
- Clark Alvarado – State Farm Insurance Agent
5209 NW 36th St – Miami Springs, FL 33166 – (305) 887-9543 – View Map - GEICO Insurance Agent
8514 SW 8th St – Miami, FL 33144 – (305) 595-2911 – View Map - Allstate Insurance: Pamela Brumer
141 Alton Rd – Miami Beach, FL 33139 – (305) 531-1223 – View Map
Independent Agents (or Brokers)
Agents of this type are not restricted to one company so they can quote policies with any number of different companies and possibly get better coverage at lower prices. If your premiums go up, the agent simply finds a different carrier and the insured can keep the same agent. If you need lower rates, it’s a good idea to check rates from several independent insurance agents in order to compare the most rates. Many independent agencies also insure through less well-known companies that many times have cheaper rates.
Below are Miami independent agents that can give you comparison quotes.
- Univista Insurance
5811 W Flagler St – Miami, FL 33144 – (305) 267-7138 – View Map - Sunshine Insurance Agency Inc
2595 SW 87th Ave – Miami, FL 33165 – (305) 559-7873 – View Map - Avante Insurance Agency
7490 W Flagler St – Miami, FL 33144 – (305) 648-7070 – View Map
After talking to the agent and getting positive responses to these questions as well as an affordable premium quote, you have narrowed it down to a car insurance agent that is a good match to provide insurance coverage. Just understand that you are entitled to cancel a policy any time you want so don’t assume that you’re stuck with your new company for a certain time period.
Best auto insurance company in Florida
Ending up with a good quality auto insurance company can be rather challenging considering how many choices drivers have in Florida. The information shown below may help you pick which car insurance providers to look at comparing rates with.
Top 10 Miami Car Insurance Companies Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Top 10 Miami Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Be persistent and save
Some companies don’t offer the ability to get a quote online and these regional insurance providers sell through independent agencies. Budget-friendly insurance in Miami can be bought online in addition to local insurance agencies, so compare prices from both to have the best chance of lowering rates.
We covered many ideas to compare Pontiac Vibe insurance car insurance rates in Miami. The most important thing to understand is the more rate quotes you have, the better likelihood of getting inexpensive Miami car insurance quotes. Drivers may even discover the lowest car insurance rates are with a small mutual company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.
Steps to buying discount Pontiac Vibe insurance in Miami
If you want to find the absolute lowest rates, then the best way to get the cheapest Pontiac Vibe insurance in Miami is to start comparing prices regularly from providers who sell auto insurance in Florida.
Step 1: Take a little time to learn about how insurance works and the things you can change to prevent expensive coverage. Many factors that result in higher prices like speeding tickets, accidents and a not-so-good credit history can be controlled by improving your driving habits or financial responsibility.
Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from a single company like Progressive or Allstate, while independent agencies can quote prices for many different companies. Select a company
Step 3: Compare the price quotes to your existing policy to see if a cheaper price is available. If you find a lower rate quote and switch companies, make sure there is no lapse in coverage.
Step 4: Give notification to your agent or company of your decision to cancel your current coverage. Submit a signed application and payment to your new carrier. Don’t forget to store the certificate verifying coverage somewhere easily accessible.
The key aspect of shopping around is to use identical deductibles and limits on every price quote and to quote with as many auto insurance providers as possible. This helps ensure an apples-to-apples comparison and a better comparison of the market.
More tips and info about insurance can be found by following these links:
- Neck Injury FAQ (iihs.org)
- What Insurance is Cheapest for Used Cars in Miami? (FAQ)
- How Much are Car Insurance Quotes for a Jeep Wrangler in Miami? (FAQ)
- Who Has Affordable Miami Car Insurance for a Mazda CX-7? (FAQ)
- Who Has Affordable Miami Auto Insurance for 17 Year Olds? (FAQ)
- Vehicle Size and Weight FAQ (iihs.org)
- Senior Drivers (Insurance Information Institute)
- Understanding Rental Car Insurance (Insurance Information Institute)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)