Best Insurance for a Pontiac Vibe in Las Vegas

Insurance for Pontiac VibeTo save the most money, the best way to find affordable quotes for Pontiac Vibe insurance is to annually compare prices from providers that insure vehicles in Las Vegas.

  1. Get an understanding of how companies price auto insurance and the measures you can control to prevent high rates. Many risk factors that increase rates such as speeding tickets, careless driving and a less-than-favorable credit history can be amended by improving your driving habits or financial responsibility.
  2. Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from one company like GEICO or State Farm, while independent agents can give you price quotes for many different companies.
  3. Compare the new rate quotes to the price on your current policy to see if switching to a new carrier will save money. If you find a lower rate and make a switch, ensure coverage does not lapse between policies.
  4. Provide written notification to your current company of your intention to cancel your current coverage. Submit a down payment along with a signed application to the new company. Once received, keep your new certificate of insurance in your glove compartment.

The most important part of shopping around is to use identical limits and deductibles on every quote and and to get prices from as many different companies as possible. This guarantees a fair rate comparison and a thorough price selection.

Unbelievable but true according to a study a large majority of consumers have remained with the same auto insurance company for four years or more, and almost 40% of drivers have never shopped around. U.S. insurance shoppers can save 46.5% each year just by comparing rates, but they mistakenly think it’s difficult to do a rate comparison.

Compare Las Vegas Pontiac Vibe insurance quotes

Finding a lower price on Pontiac Vibe insurance is a great way to save money. The only thing you need to do is invest a few minutes comparing price quotes to find the company with the cheapest Pontiac Vibe rate quotes.

Comparing rates online is fast and free, and it makes it obsolete to physically go to insurance agencies in your area. Quoting and buying Pontiac Vibe insurance online eliminates the need for an insurance agent unless you want the extra assistance of a licensed agent. Drivers can obtain prices from the web and still use a local agent.

The companies shown below are our best choices to provide free rate quotes in Nevada. To find cheap car insurance in Las Vegas, NV, it’s a good idea that you compare several of them to get a more complete price comparison.

Data for Pontiac Vibe insurance

The data table displayed next showcases estimates of insurance prices for Pontiac Vibe models. Learning as much as possible about how premiums are established is important for you to make smart choices when purchasing an insurance policy.

Pontiac Vibe Insurance Rates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vibe 1.8 $142 $286 $340 $20 $102 $890 $74
Vibe 2.4 $142 $286 $340 $20 $102 $890 $74
Vibe AWD $160 $336 $340 $20 $102 $958 $80
Vibe GT $160 $336 $340 $20 $102 $958 $80
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Prices do not factor in specific Las Vegas garaging location which can decrease or increase coverage prices noticeably.

Rate comparison for different deductibles

When buying car insurance, a common question is the level to set your comp and collision deductibles. The tables below can help show the difference in cost when you select higher and lower physical damage coverage deductibles. The first pricing table uses a $100 deductible for physical damage and the second pricing table uses a $500 deductible.

Pontiac Vibe insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vibe 1.8 $266 $478 $262 $16 $78 $1,125 $94
Vibe 2.4 $266 $478 $262 $16 $78 $1,125 $94
Vibe AWD $300 $564 $262 $16 $78 $1,245 $104
Vibe GT $300 $564 $262 $16 $78 $1,245 $104
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Pontiac Vibe insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vibe 1.8 $194 $324 $262 $16 $78 $874 $73
Vibe 2.4 $194 $324 $262 $16 $78 $874 $73
Vibe AWD $218 $382 $262 $16 $78 $956 $80
Vibe GT $218 $382 $262 $16 $78 $956 $80
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Estimates do not factor in your specific Las Vegas location which can modify premiums significantly.

Based on these figures, using a $100 deductible costs approximately $22 more each month or $264 each year than buying the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally average more than 18 months between claim filings, you would save money by selecting a higher deductible. The illustration below shows a better example of how this calculation is made.

Average monthly premium for $100 deductibles: $99
Average monthly premium for $500 deductibles (subtract): – $77
Monthly savings from raising deductible: $22
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

The example below illustrates how choosing a deductible and can increase or decrease Pontiac Vibe insurance costs for each different age group. The premiums assume a single female driver, comprehensive and collision coverage, and no discounts are factored in.

Neighborhood Las Vegas auto insurance agents

A lot of people would prefer to sit down with an agent and that is not a bad decision Agents can help you build your policy and help you file claims. A good thing about price shopping on the web is the fact that drivers can get cheap insurance rates but still work with a licensed agent.

Insurance agents in Las VegasFor easy comparison, once you complete this short form, your insurance data is immediately sent to participating agents in Las Vegas that can provide free Las Vegas auto insurance quotes to get your business. You don’t have to even leave your home due to the fact that quote results will go to you. If you need to get a rate quote from one company in particular, you can always navigate to their website and complete a quote there.

Finding the right provider requires you to look at more than just a cheap price. Ask your prospective agent these questions:

If you prefer to buy insurance from a local Las Vegas insurance agent, it’s helpful to know the different types of agencies and how they can service your needs differently. Agencies in Las Vegas are considered either exclusive or independent agents depending on their company appointments. Both can write policy coverage, but it’s a good idea to understand why they differ since it can impact buying decisions.

Exclusive Insurance Agents

These type of agents can only write with one company and examples are AAA, Allstate, and State Farm. They usually cannot shop your coverage around so they really need to provide good service. Exclusive agencies are trained well on their company’s products which helps offset the inability to provide other markets.

Listed below is a short list of exclusive insurance agencies in Las Vegas that are able to give price quotes.

2920 S Rainbow Blvd #100Las Vegas, NV 89146(702) 871-8338View Map

Marivic Macabasco – State Farm Insurance Agent
1096 E Sahara Ave #207Las Vegas, NV 89104(702) 892-9908View Map

7455 W Azure Dr Suite 110Las Vegas, NV 89130(702) 562-7504View Map

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Independent Agents (or Brokers)

Independent agents are not restricted to one company and that enables them to quote your coverage through many companies and find you cheaper rates. To move your coverage to a new company, an independent agent can move your coverage and you don’t have to switch agencies.

When comparing rate quotes, it’s recommended you get quotes from a couple of independent agencies to ensure the widest selection of prices.

Shown below is a short list of independent insurance agencies in Las Vegas that can give you rate quotes.

5225 S Durango DrLas Vegas, NV 89113(702) 638-0022View Map

3301 W Spring Mountain RdLas Vegas, NV 89102(702) 685-0170View Map

7881 W Charleston Blvd #140Las Vegas, NV 89117(702) 382-4010View Map

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What is the best car insurance company in Las Vegas?

Choosing the highest-rated company is hard considering how many different companies insure vehicles in Nevada. The company information displayed below can help you choose which companies you want to consider when shopping your coverage around.

Top Car Insurance Companies in Nevada
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
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Data Source: Best Car Insurance Companies