How to Save on Pontiac Vibe Insurance in Tulsa

Shockingly, the vast majority of consumers kept their coverage with the same car insurance company for at least the last four years, and roughly 40% of drivers have never compared rates with other companies. With the average premium in Oklahoma being $1,800, drivers could cut their rates by about $551 a year just by comparing rates, but most just don’t grasp the amount of savings they would get if they switched to a more affordable policy.

Insurance for Pontiac VibeIf you want to find the absolute lowest rates, then the best way to get low-cost Pontiac Vibe insurance in Tulsa is to start comparing rates regularly from insurance carriers that sell auto insurance in Oklahoma.

An important note is that you use similar deductibles and liability limits on every price quote and and to look at all possible companies. This guarantees the most accurate price comparison and a complete selection of prices.

Our objective in writing this article is to help you learn the best way to quote coverages and also save some money in the process If you have insurance now, you should be able to shop for the lowest rates using the ideas presented in this article. Shoppers just need to understand the fastest way to quote multiple rates online from multiple companies.

The most recommended method to compare rates for Pontiac Vibe insurance in Tulsa is to know the trick most larger insurance companies participate in a system to give free rates quotes. To begin a comparison, all you need to do is provide information like what your job is, if a SR-22 is required, whether you are single or married, and whether your vehicle is owned or leased. Your rating data gets transmitted to all major companies and they return cost estimate with very little delay.

To compare lower-cost Pontiac Vibe insurance rates now, click here and complete the form.

The companies shown below can provide quotes in Oklahoma. If you wish to find the best car insurance in Oklahoma, it’s a good idea that you compare several of them to get a more complete price comparison.

Premium rates and analysis

The rate information displayed below showcases estimates of prices for Pontiac Vibe models. Having a good grasp of how insurance premiums are calculated is important to be able to make informed decisions when shopping around for a new policy.

Pontiac Vibe Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vibe 1.8 $242 $462 $430 $26 $128 $1,288 $107
Vibe 2.4 $242 $462 $430 $26 $128 $1,288 $107
Vibe AWD $274 $544 $430 $26 $128 $1,402 $117
Vibe GT $274 $544 $430 $26 $128 $1,402 $117
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Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in garaging location in Tulsa which can change premium rates substantially.

Choosing deductibles

When shopping for auto insurance, a common question is what deductibles to buy. The rates shown below may help to illustrate the rate differences of buying low and high insurance deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Pontiac Vibe insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vibe 1.8 $386 $698 $382 $22 $114 $1,627 $136
Vibe 2.4 $386 $698 $382 $22 $114 $1,627 $136
Vibe AWD $436 $822 $382 $22 $114 $1,801 $150
Vibe GT $436 $822 $382 $22 $114 $1,801 $150
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Pontiac Vibe insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Vibe 1.8 $282 $472 $382 $22 $114 $1,272 $106
Vibe 2.4 $282 $472 $382 $22 $114 $1,272 $106
Vibe AWD $318 $554 $382 $22 $114 $1,390 $116
Vibe GT $318 $554 $382 $22 $114 $1,390 $116
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Estimates do not factor in Tulsa location which can raise or lower premium rates greatly.

Using the data above, we can ascertain that using a $100 deductible will cost you roughly $32 more each month or $384 every year across all Pontiac Vibe models than buying the higher $500 deductible. Since you would have to 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 more than likely save some money by selecting a higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $100 deductibles: $143
Average monthly premium for $500 deductibles (subtract): – $111
Monthly savings from raising deductible: $32
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One important issue to know is that increasing deductibles to save money means you pay more out-of-pocket when you have to file a claim. You need enough money stashed away in order to pay the deductible to have repairs made.

Does it make sense to buy full coverage?

The chart below shows the difference between Pontiac Vibe insurance costs with and without full coverage. The premiums are based on a clean driving record, no claims, $250 deductibles, drivers are single, and no discounts are applied to the premium.

When to stop buying full coverage

There is no clear-cut formula of when to stop paying for comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is 10% or more of the replacement cost minus the deductible, then it may be the right time to buy liability only.

For example, let’s say your Pontiac Vibe replacement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $8,000 after the policy deductible has been paid. If you are paying in excess of $800 a year to have full coverage, then you may need to consider dropping full coverage.

There are some conditions where eliminating full coverage is not recommended. If you still owe money on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.

Everyone needs different insurance coverages

When it comes to buying the best insurance coverage, there really isn’t a best way to insure your cars. Coverage needs to be tailored to your specific needs.Insurance savings

For instance, these questions could help you determine whether your personal situation might need professional guidance.

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Independent versus exclusive insurance agents

Some people just prefer to have an agent’s advice and that is recommended in a lot of cases Most agents are very good at helping people manage risk and help file insurance claims. A good thing about comparing car insurance online is the fact that you can find lower premium rates and still buy from a local agent. Buying from local insurance agents is especially important in Tulsa.

Find insurance agent in TulsaFor easy comparison, once you complete this short form, your coverage information is submitted to local insurance agents who will give competitive quotes and help you find cheaper coverage. You won’t need to do any legwork since rate quotes are delivered to you. In the event you want to compare prices from a specific car insurance provider, don’t hesitate to go to their quote page and submit a quote form there.

Finding a good company should include more criteria than just a cheap price quote. Here are some questions you might want to ask.

Best car insurance company in Oklahoma

Insuring your vehicle with a high-quality car insurance provider is hard considering how many different companies insure vehicles in Oklahoma. The ranking data below can help you decide which coverage providers to look at comparing rates with.

Top 10 Tulsa Car Insurance Companies Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance