Cheapest Insurance for a Pontiac Vibe in Boston

I can’t think of a single person who rejoices having to buy insurance, particularly when they are paying too much.

Unthinkable but true, almost 70% of insureds kept their policy with the same company for at least four years, and roughly 40% of drivers have never quoted rates to find lower-cost coverage. Boston drivers can save hundreds of dollars each year just by comparing rates, but they think it’s difficult to compare rates. Insurance companies such as Allstate, Liberty Mutual and State Farm continually hit you with advertising and it can be hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.

If you are already insured or need new coverage, you will benefit by learning to get lower rates and still have adequate protection. Choosing the most cost-effective car insurance policy in Boston is much easier if you know where to start. Comparison shoppers just need to learn the most time-saving way to buy car insurance on the web.

Decisions You Make Can Impact Your Insurance Premiums

It’s important that you understand the factors that come into play when calculating insurance rates. When consumers understand what controls the rates you pay, this enables informed choices that could result in much lower annual insurance costs. Lots of things are considered when you get your auto insurance bill. Most are fairly basic such as traffic violations, but other factors are more obscure such as your credit history or your financial responsibility.

You might pay higher rates if you are single – Walking down the aisle actually saves money when buying insurance. It is viewed as being more mature and statistics show married drivers tend to have fewer serious accidents.

Pay more of a claim out-of-pocket – Physical damage deductibles define how much you are willing to pay before your insurance pays a claim. Coverage for physical damage, also called ‘full coverage’, protects your car from damage. A few examples of covered claims are rear-ending another vehicle, damage caused by hail, and damage from wind. The larger the amount the insured is willing to pay, the better rate you will receive.

Consolidate home and auto and save – Some insurers will give lower prices to customers who buy several policies from them in the form of a multi-policy discount. Even with this discount applied, you may still want to compare Pontiac Vibe rates in Boston to confirm you are receiving the best rates possible.There is a chance you can save more without the discount even if you insure with multiple companies

Premiums are high for teenagers – Older, more experienced drivers are more cautious drivers, file fewer claims, and receive fewer citations. Teen drivers have been known to be more careless behind the wheel so insurance rates are higher.

The data below uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

Low mileage costs less – The more you drive annually the higher your rates will be. A lot of insurance companies calculate prices partially by how you use the vehicle. Cars that are left in the garage can get a lower rate than cars that get driven a lot. Verify your insurance policy states how each vehicle is driven. An incorrectly rated Vibe may be costing you.

Don’t cancel your insurance without a new one in place – Having a lapse in insurance coverage is a sure-fire way to increase your renewal premiums. And not only will your rates increase, getting caught without coverage will get you a steep fine or even jail time. You could then be forced to file a SR-22 with the Massachusetts department of motor vehicles.

Analysis of Pontiac Vibe rates

The price information shown next covers a range of insurance prices for Pontiac Vibe models. Having a good grasp of how insurance policy rates are calculated is important to be able to make smart choices when comparing insurance rates.

Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rate information does not factor in specific location which can change prices greatly.

Deductible comparison

One of the hardest decisions when shopping for car insurance is what deductibles to buy. The rates below approximate the cost difference of buying low and high physical damage coverage deductibles. The first set of rates uses a $250 deductible for physical damage and the second rate table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rate information does not factor in specific garaging location which can revise premiums significantly.

We can derive from the above data that using a $250 deductible will cost in the ballpark of $26 more each month or $312 every year than buying the higher $1,000 deductible. Since you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 29 months between claim filings, you would more than likely save some money going with the higher deductible. The table below shows an example of how you can do this calculation yourself.

One thing to note is that a higher deductible means you will have to pay more out-of-pocket when you file a claim. You will want to have some extra savings in the event you need to pay more to get your vehicle repaired.

How violations and accidents impact rates

The illustration below demonstrates how speeding tickets and accidents can influence Pontiac Vibe annual premium costs for each different age category. The information is based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

These discounts can reduce Pontiac Vibe insurance rates

Some insurance providers don’t necessarily list all discounts very clearly, so we took the time to find some of the best known as well as some of the hidden savings tricks you should be using when you buy Boston car insurance online.

• Telematics Data – Drivers who elect to allow data collection to scrutinize driving habits by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if they exhibit good driving behavior.
• Paperless Signup – A few larger online companies give back up to $50 just for signing your application on the internet.
• Use Seat Belts – Forcing all vehicle occupants to buckle up may be able to save a few bucks on medical payment and PIP coverage.
• Sign Early and Save – Select insurance companies give a discount for buying a new policy early. The savings is around 10%.
• College Student Discount – Youth drivers living away from Boston attending college and do not take a car to college may be insured at a cheaper rate.
• Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates as compared to drivers with claims.

You can save money using discounts, but most credits do not apply to the entire policy premium. Most only cut individual premiums such as comp or med pay. So when it seems like all those discounts means the company will pay you, you aren’t that lucky.

The chart below shows the difference between Pontiac Vibe annual premium costs with and without some available policy discounts. The costs are based on a female driver, no violations or claims, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, marriage, claim-free, and safe-driver discounts applied.

To find companies who offer discounts in Massachusetts, click this link.

How to find a good Massachusetts auto insurance company

Buying coverage from the right auto insurance provider can be challenging considering how many different insurance companies sell coverage in Boston. The ranking information shown next may help you analyze which insurers you want to consider buying from.

Top 10 Boston Car Insurance Companies Overall

1. The General
2. Mercury Insurance
3. Titan Insurance
4. The Hartford
5. Progressive
6. Travelers
7. State Farm
8. Farmers Insurance
9. Safeco Insurance
10. USAA

Top 10 Boston Car Insurance Companies Ranked by Customer Service

1. Mercury Insurance
2. Titan Insurance
3. The Hartford
4. American Family
5. Progressive
6. USAA
7. Travelers
8. State Farm
9. GEICO
10. Allstate

Shop around and save

Lower-priced Pontiac Vibe insurance in Boston can be purchased online and from local insurance agents, and you need to comparison shop both to have the best rate selection. A few companies do not offer online rate quotes and most of the time these regional insurance providers sell through local independent agencies.

We’ve covered some good ideas how to reduce Pontiac Vibe insurance prices online in Boston. The most important thing to understand is the more quotes you get, the higher your chance of finding low cost Boston car insurance quotes. Consumers could even find that the most savings is with a smaller regional carrier. They may often insure only within specific states and give better rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

Steps to finding low-cost Pontiac Vibe insurance in Boston

The recommended way to find affordable Pontiac Vibe insurance in Boston is to regularly compare price quotes from insurers in Massachusetts.

1. Read and learn about how insurance companies determine prices and the factors you can control to prevent rate increases. Many things that increase rates such as traffic citations and your credit history can be improved by making lifestyle changes or driving safer.
2. Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from one company like GEICO or State Farm, while agents who are independent can provide rate quotes from many different companies.
3. Compare the price quotes to your current policy premium to see if cheaper Vibe coverage is available. If you find a lower rate quote and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
4. Give notification to your agent or company to cancel your existing policy and submit a down payment along with a completed application for the new policy. Don’t forget to keep your new proof of insurance certificate somewhere easily accessible.

A crucial key to this process is to try to compare identical limits and deductibles on each price quote and and to get prices from as many companies as feasibly possible. This helps ensure the most accurate price comparison and and a good selection of different prices.

Additional information can be read below:

• Understanding your Policy (NAIC.org)
• What is the Best Auto Insurance in Boston, Massachusetts? (FAQ)
• Who Has Cheap Boston Auto Insurance for 19 Year Olds? (FAQ)
• What Auto Insurance is Cheapest for 18 Year Olds in Boston? (FAQ)
• Credit Impacts Car Insurance Rates (State Farm)
• Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
• Vehicle Size and Weight FAQ (iihs.org)