It’s a known fact that car insurance companies want to keep you from comparing prices. People who get comparison quotes at least once a year will, in all likelihood, buy a new policy because there is a high probability of finding a lower rate. Surprisingly, a recent survey revealed that people who shopped around annually saved approximately $3,500 over four years compared to people who don’t make a habit of comparing rates.
If finding the cheapest rates on insurance in Tucson is the reason you’re here, understanding the best ways to shop for coverages can save money and time.
The easiest way to get more affordable Pontiac Vibe insurance is to regularly compare price quotes from insurance carriers that insure vehicles in Tucson.
First, take a few minutes and learn about car insurance and the things you can control to prevent high rates. Many rating factors that result in higher rates like distracted driving and poor credit rating can be rectified by paying attention to minor details.
Second, quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO and State Farm, while independent agencies can give you price quotes for a wide range of companies.
Third, compare the new rate quotes to the premium of your current policy to see if a cheaper price is available. If you find a better price and buy the policy, ensure there is no coverage lapse between policies.
Fourth, provide adequate notice to your current company of your intent to cancel your current policy and submit the required down payment along with the signed application to your new agent or company. When you receive it, put the new certificate verifying coverage along with your vehicle registration.
A tip to remember is to use the same amount of coverage on each price quote and and to get price quotes from as many auto insurance providers as possible. Doing this ensures an apples-to-apples comparison and a complete rate analysis.
Finding the cheapest coverage in Tucson is not that difficult. If you’re already insured or are looking for a new policy, use these tips to shop for the lowest rates without sacrificing coverage. Shoppers just have to know the proper way to compare rate quotes from multiple carriers.
Rates and information analytics
The coverage table displayed next covers detailed analysis of insurance policy prices for Pontiac Vibe models. Learning as much as possible about how rate quotes are calculated can help customers make smart choices when choosing a car insurance company.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can alter coverage prices significantly.
Annual premiums for males compared to females in Tucson
The illustration below shows the comparison of Pontiac Vibe insurance rates for male and female drivers. The information is based on no tickets, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, single status, and no discounts are applied.
Full coverage or liability only
The illustration below illustrates the comparison of Pontiac Vibe yearly insurance costs with and without full coverage. The prices are based on no claims or violations, $500 deductibles, drivers are single, and no discounts are applied to the premium.
When to stop buying comprehensive and collision coverage
There is no specific rule for dropping physical damage insurance, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, then it could be time to drop full coverage.
For example, let’s pretend your Pontiac Vibe settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $7,000 after paying your policy deductible. If you are paying in excess of $700 annually for your policy with full coverage, then it might be time to consider dropping full coverage.
There are some situations where removing full coverage is not recommended. If you haven’t satisfied your loan, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not opt for liability only.
How Insurers Determine Pontiac Vibe Insurance Prices
An important part of buying insurance is that you know the rating factors that help determine car insurance rates. If you have some idea of what determines premiums, this enables you to make decisions that can help you get much lower annual insurance costs. Multiple criteria are taken into consideration when you get your auto insurance bill. A few of the factors are predictable like a motor vehicle report, but some are less obvious like where you live and annual miles driven.
Advanced GPS tracking and theft deterrents – Choosing to buy a car with a theft deterrent system can help lower your rates. Theft deterrent systems like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your car from being stolen.
Marriage is a factor – Getting married actually saves money compared to being single. Having a spouse means you’re more responsible and insurance companies like that drivers who are married file infrequent claims.
Lower stress equals lower rates – Jobs such as lawyers, air traffic controllers, and medical professionals have the highest rates in part from intense work requirements and incredibly demanding work hours. On the other hand, occupations such as professors, students and the unemployed pay lower than average rates.
Urban areas may pay more – Residing in a rural area has it’s advantages when shopping for auto insurance. Lower population translates into fewer accident claims and lower theft and vandalism rates. People in densely populated areas regularly have more aggressive driving styles and a longer drive to work. More time on the road means more chance of being in an accident.
Bad drivers pay high rates – Whether or not you get tickets impacts premiums far more than you think. Even one citation could increase your next policy renewal by twenty percent. Good drivers have lower premiums than their less careful counterparts. Drivers who have serious citations like DUI or reckless driving might be required by their state to complete a SR-22 with their state’s department of motor vehicles in order to legally drive a vehicle.
The example below shows how speeding tickets and at-fault fender-benders impact Pontiac Vibe car insurance costs for different age categories. The information is based on a single male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
Don’t let your policy lapse – Having an insurance coverage lapse will be a quick way to increase your car insurance rates. And not only will your rates increase, getting caught without coverage may earn you a license revocation or jail time. You will then be forced to submit proof of financial responsibility or a SR-22 with the Arizona DMV.
Insure your auto and home with one company – Most car insurance companies afford better rates to customers that buy multiple policies, otherwise known as a multi-policy discount. Discounts can amount to ten percent or more. Even if you’re getting this discount it’s still a good idea to compare other company rates to verify if the discount is saving money.
Tucson auto insurance companies
Finding the right insurer can be rather challenging considering how many companies sell insurance in Tucson. The information in the lists below can help you choose which auto insurers to look at shopping prices with.
Top 10 Tucson Car Insurance Companies Overall
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
Quote often and quote early
We’ve covered a lot of ways to compare Pontiac Vibe insurance rates in Tucson. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even find the best price on auto insurance is with an unexpected company.
As you quote Tucson auto insurance, never skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced liability limits or collision coverage only to regret they didn’t purchase enough coverage. The ultimate goal is to find the BEST coverage for the lowest cost, not the least amount of coverage.
People change insurance companies for any number of reasons including an unsatisfactory settlement offer, unfair underwriting practices, poor customer service and denial of a claim. No matter why you want to switch, switching auto insurance companies is easier than you think.
Additional detailed information can be found in these articles:
- Choosing an Insurance Company (Insurance Information Institute)
- Who Has Cheap Tucson Car Insurance Rates for Government Employees? (FAQ)
- How Much are Tucson Car Insurance Rates for a Toyota Highlander? (FAQ)
- Who Has the Cheapest Tucson Auto Insurance Quotes for a Nissan Sentra? (FAQ)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Understanding Rental Car Insurance (Insurance Information Institute)
- Crash Avoidance Technologies FAQ (iihs.org)