Cheap Quotes for Pontiac Vibe Insurance in Irvine

Insurance rates Pontiac Vibe in IrvineIt’s a known fact that insurance companies want to keep you from comparing rates. Insureds who shop rates annually will presumably switch to a new company because there is a great chance of finding a policy with more affordable rates. A recent auto insurance study discovered that consumers who compared prices regularly saved an average of $3,450 over four years compared to other drivers who never shopped around.

If finding budget-friendly car insurance is your goal, then having some insight into how to shop for insurance can make it easier for you to save money.

If you want to save the most money, the best way to find the cheapest price for Pontiac Vibe insurance is to start doing an annual price comparison from insurers in Irvine.

An important part of this process is to compare the same coverage limits and deductibles on every quote request and and to get prices from as many companies as possible. Doing this enables a level playing field and a complete price analysis.

Cheapest companies for Pontiac Vibe insurance in California

The companies shown below provide comparison quotes in California. To get cheaper car insurance in CA, it’s a good idea that you visit as many as you can to get the best price comparison.

Pontiac Vibe insurance rates and statistics

The premium information displayed below highlights estimates of insurance prices for Pontiac Vibe models. Being more informed about how policy premiums are calculated can aid in making informed decisions when comparing rates.

Pontiac Vibe Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vibe 1.8 $192 $332 $386 $22 $116 $1,048 $87
Vibe 2.4 $192 $332 $386 $22 $116 $1,048 $87
Vibe AWD $216 $392 $386 $22 $116 $1,132 $94
Vibe GT $216 $392 $386 $22 $116 $1,132 $94
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Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Prices do not factor in specific garaging location which can affect coverage prices noticeably.

The diagram below demonstrates how deductible levels and can change Pontiac Vibe annual premium costs for different ages of insureds. The prices are based on a married female driver, full physical damage coverage, and no discounts are factored in.

Car insurance premiums based on gender

The diagram below illustrates the comparison of Pontiac Vibe car insurance rates for male and female drivers. The information is based on no claims or driving citations, comp and collision included, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

How to Lower Your Insurance Costs

It’s important that you understand the factors that are used to determine your auto insurance rates. If you understand what influences your rates, this helps enable you to make changes that can earn you lower rates.

Lower rate quotes on Pontiac Vibe insurance in Irvine with these discounts

Companies that sell car insurance do not advertise all possible discounts in an easy-to-find place, so here is a list both the well known as well as the least known credits available to you.Discount car insurance

Don’t be shocked that many deductions do not apply to the overall cost of the policy. Some only reduce individual premiums such as comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. But any discount will help lower the amount you have to pay.

The information below shows the comparison of Pontiac Vibe auto insurance costs with and without discounts applied. The rate quotes are based on a female driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, claim-free, homeowner, multi-policy, and multi-car discounts applied.

Large car insurance companies and their offered discounts are included below.

If you need the cheapest Pontiac Vibe rate quotes, ask all the companies which discounts they offer. Depending on the company, some discounts may not apply in Irvine. If you would like to see a list of providers who offer cheap Pontiac Vibe insurance quotes in Irvine, follow this link.

Exclusive or independent auto insurance agents

Some consumers just prefer to visit with an insurance agent and that is recommended in a lot of cases Good agents are highly skilled in risk management and give you someone to call. One of the best bonuses of comparing rate quotes online is you can get cheaper car insurance rates and still have a local agent. And buying from local agencies is important especially in Irvine.

Find insurance agent in IrvineAfter completing this form (opens in new window), your insurance data is instantly submitted to insurance agents in Irvine who want to provide quotes for your insurance coverage. It’s much easier because you don’t need to find an agent on your own since price quotes are sent straight to your inbox. If you wish to get a price quote from one company in particular, you just need to jump over to their website and fill out the quote form the provide.

When narrowing the list to find a reliable agent, it can be helpful to understand the types of insurance agents to choose from. Agents in Irvine are categorized either exclusive or independent. Either type can write insurance policies, but it’s worth mentioning why they differ since it can affect buying decisions.

Independent Agents (or Brokers)

These agents are not limited to a single company so they can quote policies with multiple insurance companies and find the cheapest rate. If your premiums go up, they simply switch companies in-house which requires no work on your part.

If you are trying to find cheaper rates, you should always get several quotes from at a minimum one independent agency so that you have a good selection of quotes to compare.

Listed below is a partial list of independent insurance agents in Irvine who may be able to give you free insurance quotes.

18201 Von Karman Ave # 510Irvine, CA 92612(949) 442-7662View Map

14795 Jeffrey RdIrvine, CA 92618(949) 786-6888View Map

10 Hughes # 205Irvine, CA 92618(949) 458-0442View Map

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Exclusive Insurance Agencies

Agents of this type can usually just insure with one company and examples are Allstate, State Farm and Farmers Insurance. These agents are not able to provide prices from multiple companies so always compare other rates. Exclusive insurance agents are usually quite knowledgeable on the products they sell and that allows them to sell at a higher price point.

The following are Irvine exclusive agencies that are able to give rate quotes.

3200 El Camino Real #110Irvine, CA 92602(949) 769-2600View Map

41 Corporate Park #240Irvine, CA 92606(714) 263-2623View Map

20 Pacifica #1450Irvine, CA 92618(949) 387-9999View Map

View more Irvine agents

Deciding on an car insurance agent requires more thought than just a cheap price. These are some questions your agent should answer.

Best car insurance in California

Ending up with the best auto insurance provider is hard considering how many companies there are in Irvine. The company rank data in the lists below may help you pick which car insurance providers to look at purchasing a policy from.

Irvine, California Car Insurance Company Rankings
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
AAA of Southern California 91 94 97 92% A+ 94.1
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
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

You are unique and your car insurance should be too

When buying your policy for your vehicles, there really isn’t a perfect coverage plan. Your situation is unique so this has to be addressed.Safe vehicles cost less to insure
For example, these questions can help discover whether your personal situation could use an agent’s help.

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

One last note

Lower-priced insurance in Irvine is possible from both online companies as well as from independent agents in Irvine, so you need to quote Irvine car insurance with both to have the best rate selection. Some companies don’t offer rate quotes online and most of the time these regional insurance providers provide coverage only through local independent agencies.

We just showed you quite a bit of information on how to compare Pontiac Vibe insurance prices in Irvine. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding affordable Irvine car insurance quotes. You may even find the most savings is with a small local company. Smaller companies may cover specific market segments cheaper compared to the large companies like Progressive and GEICO.

When getting Irvine car insurance quotes online, never skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced physical damage coverage and discovered at claim time that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage for the lowest cost.

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