Regrettably, over 70% of consumers have stayed with the same insurance company for four years or more, and almost 40% of drivers have never even shopped around for affordable coverage. The average driver in Corpus Christi could pocket approximately 70% a year by just shopping around, but they don’t understand how simple it is to save money by comparing rate quotes.
If you want to save money, the best way to find cheaper quotes for Pontiac Vibe insurance is to start doing an annual price comparison from companies in Corpus Christi. You can compare rates by following these steps.
- It will benefit you to learn about how your policy works and the factors you can control to lower rates. Many rating factors that are responsible for high rates such as at-fault accidents, speeding tickets, and your credit history can be controlled by making small lifestyle or driving habit changes. This article gives tips to find cheap prices and get discounts that may be overlooked.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like GEICO and State Farm, while agents who are independent can give you price quotes for a wide range of insurance providers.
- Compare the new quotes to your current policy premium and determine if cheaper Vibe coverage is available. If you can save money, verify that coverage does not lapse between policies.
- Provide notification to your current agent or company to cancel your current car insurance policy and submit payment along with a signed and completed policy application to the new insurer. Immediately upon receiving it, keep the new certificate of insurance in your glove compartment.
One important bit of advice is to try to use identical deductibles and limits on every price quote and and to compare as many auto insurance providers as possible. This ensures a fair price comparison and a complete rate analysis.
If you’re already insured, you should be able to shop for the lowest rates using these techniques. This information will familiarize you with the best methods to compare rates and some tips to save money. But Texas car owners should learn the methods companies use to determine prices and use it to your advantage.
To find the best car insurance rates, there are several ways of comparing rates from all the different companies. The quickest method to find the lowest Pontiac Vibe rates involves getting comparison quotes online.
When comparing car insurance rates, know that getting more free quotes helps you find better pricing.
The auto insurance companies shown below can provide price comparisons in Texas. To find cheaper auto insurance in Corpus Christi, we suggest you visit two to three different companies in order to get a fair rate comparison.
These discounts can lower your car insurance quotes
Companies do not advertise all possible discounts in an easy-to-find place, so the list below gives a summary of a few of the more well known and also the lesser-known discounts that you may qualify for. If you aren’t receiving every discount available, you could be getting lower rates.
- Drivers Education – It’s a good idea to have your young drivers participate in a local driver’s education class as it will make them better drivers and lower rates.
- Accident Waiver – This one is not really a discount per se, but some insurance companies will allow you to have one accident without raising rates if you are claim-free for a certain period of time.
- 55 and Retired – If you’re over the age of 55, you may receive better car insurance rates.
- Payment Method – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
- Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes are safer to drive and the ABS can save up to 10%.
- Active Service Discounts – Having a deployed family member may lower your prices slightly.
- Auto/Life Discount – Insurance companies who offer life insurance give a lower price if you buy auto and life insurance together.
- Responsible Driver Discount – Accident-free drivers can get discounts for up to 45% lower rates than drivers with accident claims.
- Anti-theft System – Vehicles optioned with advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
A quick disclaimer, most discounts do not apply to the entire cost. Most only cut the cost of specific coverages such as comp or med pay. Despite the appearance that all the discounts add up to a free policy, it just doesn’t work that way.
The chart below shows the difference between Pontiac Vibe insurance costs with and without discounts applied to the policy premium. The costs are based on a female driver, no claims or driving citations, Texas 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 claim-free, marriage, multi-policy, homeowner, safe-driver, and multi-car discounts applied.
Auto insurance companies that may offer policyholders these discounts include:
When comparing rates, check with every company to apply every possible discount. A few discounts might not be offered on policies everywhere. To see a list of car insurance companies that can offer you the previously mentioned discounts in Corpus Christi, click here.
Auto insurance statistics for a Pontiac Vibe
The premium table displayed next outlines a range of insurance costs for Pontiac Vibe models. Having a good grasp of how auto insurance premiums are determined is important to be able to make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vibe 1.8 | $178 | $358 | $392 | $24 | $118 | $1,070 | $89 |
| Vibe 2.4 | $178 | $358 | $392 | $24 | $118 | $1,070 | $89 |
| Vibe AWD | $202 | $422 | $392 | $24 | $118 | $1,158 | $97 |
| Vibe GT | $202 | $422 | $392 | $24 | $118 | $1,158 | $97 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in vehicle garaging location which can alter price quotes substantially.
Analysis of deductible levels
When shopping for auto insurance, a common question is the level to set your comp and collision deductibles. The premium rates below determine the premium difference when you select higher and lower coverage deductibles. The first data table uses a $250 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vibe 1.8 | $294 | $496 | $324 | $20 | $96 | $1,255 | $105 |
| Vibe 2.4 | $294 | $496 | $324 | $20 | $96 | $1,255 | $105 |
| Vibe AWD | $332 | $584 | $324 | $20 | $96 | $1,381 | $115 |
| Vibe GT | $332 | $584 | $324 | $20 | $96 | $1,381 | $115 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vibe 1.8 | $182 | $312 | $324 | $20 | $96 | $934 | $78 |
| Vibe 2.4 | $182 | $312 | $324 | $20 | $96 | $934 | $78 |
| Vibe AWD | $206 | $368 | $324 | $20 | $96 | $1,014 | $85 |
| Vibe GT | $206 | $368 | $324 | $20 | $96 | $1,014 | $85 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Prices do not factor in your specific Corpus Christi location which can influence auto insurance rates considerably.
Based on this data, using a $250 deductible costs about $28 more each month or $336 each year than buying the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 27 months between claim filings, you would most likely save money going with the higher deductible. Here’s the way you can decide this on your own policy.
| Average monthly premium for $250 deductibles: | $110 |
| Average monthly premium for $1,000 deductibles (subtract): | – $82 |
| Monthly savings from raising deductible: | $28 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $28 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 27 months |
The chart below demonstrates how choosing different deductibles and can change Pontiac Vibe annual premium costs for each different age category. The price estimates are based on a single female driver, full physical damage coverage, and no discounts are applied.
Auto insurance rates based on gender
The information below illustrates the comparison of Pontiac Vibe car insurance rates for male and female drivers. The price estimates are based on no violations or claims, full physical damage coverage, $100 deductibles, marital status is single, and no discounts are applied to the premium.
Difference between full coverage and liability only rates
The diagram below visualizes the comparison of Pontiac Vibe annual premium costs with and without physical damage coverage. The premium estimates are based on no violations or accidents, $500 deductibles, marital status is single, and no discounts are factored in.
When to drop comprehensive and collision coverage
There is no definitive guideline for eliminating physical damage coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Pontiac Vibe replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $4,000 after paying your policy deductible. If it’s costing you more than $400 annually for your policy with full coverage, then you might consider buying liability only.
There are a few situations where dropping physical damage coverage is not a good idea. If you still have a loan on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage in place.
Independent or exclusive car insurance agents
A small number of people would prefer to get advice from a local agent and that is a smart decision One of the best bonuses of comparing auto insurance online is that you can find lower rates and also buy local. And providing support for local agents is important especially in Corpus Christi.
After completing this quick form, your coverage information is instantly submitted to companies in Corpus Christi who can give free rate quotes for your insurance coverage. It makes it easy because there is no need to find an agent due to the fact that quote results will go directly to your email. You can find the lowest rates without requiring a lot of work. In the event you want to get a rate quote from a specific company, you just need to visit that company’s website and give them your coverage information.
If you prefer to buy auto insurance from a good Corpus Christi insurance agent, there are two different types of agents to choose from. Agencies in Corpus Christi can be classified as either exclusive or independent (non-exclusive).
Independent Agents (or Brokers)
These type of agents often have many company appointments and that allows them to write policies with an assortment of companies depending on which coverage is best. If you are not satisfied with one company, your agent can switch companies and you can keep the same agent. When comparing auto insurance prices, you will want to get quotes from multiple independent agents so that you have a good selection of quotes to compare. Many independent agencies also insure through additional companies that you may not be familiar with that many times have cheaper rates.
Featured below is a short list of independent insurance agencies in Corpus Christi that may be able to provide free price quotes.
- CMM Insurance
1901 Baldwin Blvd # C – Corpus Christi, TX 78404 – (361) 654-0085 – View Map - Fred Roy Insurance
4402 Weber Rd – Corpus Christi, TX 78411 – (361) 854-4847 – View Map - Lancaster and Bay Insurance Agency
3124 S Alameda St – Corpus Christi, TX 78404 – (361) 853-0405 – View Map
Exclusive Insurance Agencies
These agents can usually just insure with one company such as American Family, State Farm, and AAA. They are unable to compare rates from other companies so keep that in mind. Exclusive agents are trained well on sales techniques which aids in selling service over price. Consumers frequently use the same exclusive agent primarily because of the brand name and the convenience of having a single billing for all their coverages.
Below are exclusive insurance agencies in Corpus Christi that can give you comparison quotes.
- Gene McWhorter – State Farm Insurance Agent
14101 Northwest Blvd #103 – Corpus Christi, TX 78410 – (361) 767-0750 – View Map - Francisco Aguilar – State Farm Insurance Agent
5829 Weber Rd – Corpus Christi, TX 78413 – (361) 991-8242 – View Map - Allstate Insurance: Al Armadillo
5656 S Staples St #300 – Corpus Christi, TX 78411 – (361) 985-7488 – View Map
Choosing an auto insurance agent should depend on more than just the quoted price. Some important questions to ask are:
- When do they do a full risk review?
- Are there any extra charges for paying monthly?
- Do they specialize in personal lines auto insurance in Corpus Christi?
- What discounts might you be missing?
- How does the company pay claims for a total loss?
- What insurance company do they write the most business with?
Everyone needs different car insurance coverages
When buying proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every situation is different.
For instance, these questions may help highlight if you could use an agent’s help.
- Will filing a claim cost me more?
- Are my tools covered if they get stolen from my vehicle?
- Am I covered when driving someone else’s vehicle?
- Can my babysitter drive my car?
- Am I covered when driving a rental car?
- Can I rent a car in Mexico?
- When can my company non-renew my policy?
- What is GAP insurance?
- Is my ex-spouse still covered by my policy?
- If I use my vehicle for business use is it covered?
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, simply complete this short form.
Why You Might Pay Higher Rates in Corpus Christi
Many factors are used when premium rates are determined. Some factors are common sense like your driving record, but some are more transparent like your vehicle usage and annual miles driven.
Shown below are a few of the “ingredients” utilized by car insurance companies to help set your rates.
- Save money with higher physical damage deductibles – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Some instances where coverage would apply would be a broken side mirror, collision with an animal, or theft. The deductibles you choose represent how much money the insured will be required to pay if you file a covered claim. The more damage repair cost you choose to pay out-of-pocket, the less money you will pay for insurance.
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Younger drivers pay more – Older drivers are more responsible, cause fewer claims and accidents, and are generally more financially stable. Youthful drivers are statistically proven to be inattentive and easily distracted when at the wheel of a vehicle and because of this, their insurance rates are much higher.
The following data uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.
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Careless driving means higher premiums – Even one citation can boost insurance rates twenty percent or more. Attentive drivers get better rates than bad drivers. Drivers who have flagrant citations like reckless driving or DUI may find that they have to to file a SR-22 with their state’s licensing department in order to prevent their license from being revoked.
The example below demonstrates how citations and fender-benders increase Pontiac Vibe car insurance rates for different age categories. The rates are based on a married male driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.
- City traffic equals higher premiums – Living in a rural area has it’s advantages when talking about insurance. Drivers who live in large cities regularly have more aggressive driving styles and much longer commute distances. Fewer drivers on the road means less chance of accidents.
- Higher premiums for insurance lapses – Allowing your coverage to lapse will be a sure-fire way to increase your renewal premiums. Not only will you pay higher rates, getting caught without coverage could result in a hefty fine and possibly a revoked license.
Why you need auto insurance
Despite the potentially high cost of Pontiac Vibe insurance, paying for auto insurance serves a purpose in several ways.
- The majority of states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance coverage in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your Vibe, it’s guaranteed your bank will require that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Pontiac at a significantly higher premium and require you to pay the higher premium.
- Insurance safeguards not only your Pontiac but also your financial assets. Insurance will also pay for medical bills incurred in an accident. As part of your policy, liability insurance also covers legal expenses if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, your auto insurance policy will cover the damage repairs after a deductible is paid.
The benefits of buying enough insurance definitely exceed the cost, particularly when you have a large claim. Despite what companies tell you, the average driver overpays more than $810 a year so it’s important to compare rates every year to save money.
Insurance savings summarized
Cheaper insurance in Corpus Christi can be purchased from both online companies and from local insurance agents, so get free Corpus Christi auto insurance quotes from both of them to have the best rate selection. Some insurance companies may not have online price quotes and usually these small insurance companies work with independent insurance agents.
As you go through the steps to switch your coverage, it’s very important that you do not buy poor coverage just to save money. In too many instances, consumers will sacrifice physical damage coverage only to regret at claim time they didn’t have enough coverage. Your objective should be to buy the best coverage you can find at the best price, but do not skimp to save money.
Consumers who switch companies do it for a variety of reasons including policy non-renewal, not issuing a premium refund, high rates after DUI convictions and even unfair underwriting practices. It doesn’t matter what your reason, finding a new company is pretty easy and you might even save some money in the process.
Additional information is located below:
- Prepare your Teens for Safe Driving (InsureUonline.org)
- How Much is Corpus Christi Car Insurance for a Dodge Grand Caravan? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Active Military in Corpus Christi? (FAQ)
- How Much is Auto Insurance for Uber Drivers in Corpus Christi? (FAQ)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Tread Depth and Tire Safety (State Farm)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)