The most effective way to find low-cost prices for car insurance rates is to annually compare prices from different companies who provide car insurance in Cleveland. Drivers can shop around by following these steps.
- First, read about what coverages are included in your policy and the factors you can control to drop your rates. Many rating factors that result in higher prices like accidents, traffic violations, and an unacceptable credit score can be eliminated by being financially responsible and driving safely. Continue reading for information to get low prices and earn a bigger discount.
- Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO and Allstate, while independent agents can quote rates from multiple insurance companies. Compare rates
- Third, compare the new rate quotes to your current policy and determine if there is any savings. If you find a better price and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
One important bit of advice is to try to use the same level of coverage on each quote request and and to get rate quotes from as many different insurance providers as possible. This enables the most accurate price comparison and a good representation of prices.
It’s an obvious assumption that insurance companies don’t want you to look for cheaper rates. People who shop around for a cheaper policy will presumably move their business because there are good odds of finding lower prices. A recent survey found that drivers who did price comparisons regularly saved an average of $865 a year compared to drivers who don’t regularly compare prices.
If finding the best price on Pontiac Vibe insurance in Cleveland is your goal, then understanding how to quote and compare coverages can help make the process easier and more efficient.
If you already have coverage or need a new policy, you can follow these tips to lower your rates without reducing coverage. Finding cheaper protection in Cleveland can be fairly easy. Smart shoppers just need to use the quickest way to get comparison rates from many different companies online.
Low Cost companies for Pontiac Vibe insurance in Ohio
The companies shown below are ready to provide free rate quotes in Ohio. To locate cheap auto insurance in Cleveland, it’s highly recommended you get rates from several of them to get a more complete price comparison.
Pontiac Vibe coverage analysis
The premium information displayed next covers different policy rates for Pontiac Vibe models. Having a better idea how insurance policy premiums are formulated is important to be able to make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vibe 1.8 | $110 | $198 | $182 | $10 | $54 | $554 | $46 |
| Vibe 2.4 | $110 | $198 | $182 | $10 | $54 | $554 | $46 |
| Vibe AWD | $124 | $234 | $182 | $10 | $54 | $604 | $50 |
| Vibe GT | $124 | $234 | $182 | $10 | $54 | $604 | $50 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rates do not factor in specific Cleveland garaging location which can impact coverage rates noticeably.
Policy deductibles
One of the most common car insurance questions is how high should the physical damage deductibles be. The following tables can help you understand the price difference between high and low deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vibe 1.8 | $196 | $352 | $192 | $12 | $58 | $835 | $70 |
| Vibe 2.4 | $196 | $352 | $192 | $12 | $58 | $835 | $70 |
| Vibe AWD | $220 | $416 | $192 | $12 | $58 | $923 | $77 |
| Vibe GT | $220 | $416 | $192 | $12 | $58 | $923 | $77 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vibe 1.8 | $142 | $238 | $192 | $12 | $58 | $642 | $54 |
| Vibe 2.4 | $142 | $238 | $192 | $12 | $58 | $642 | $54 |
| Vibe AWD | $160 | $280 | $192 | $12 | $58 | $702 | $59 |
| Vibe GT | $160 | $280 | $192 | $12 | $58 | $702 | $59 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Prices do not factor in Cleveland location which can influence price quotes greatly.
Based on this data, we can arrive at the conclusion that using a $100 deductible costs about $17 more each month or $204 each year than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 24 months between claims, you would save more money by going with a higher deductible. The table below illustrates how this calculation is made.
| Average monthly premium for $100 deductibles: | $74 |
| Average monthly premium for $500 deductibles (subtract): | – $57 |
| Monthly savings from raising deductible: | $17 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $17 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 24 months |
One thing to be aware of is that increasing deductibles to lower your rates results in having to pay to pay more out-of-pocket when you have a comprehensive or collision claim. You need to make sure you have a higher level of savings in the event you need to pay more to get your vehicle repaired.
Responsible drivers pay cheaper car insurance rates
The illustration below illustrates how traffic citations and at-fault accidents can raise Pontiac Vibe annual premium costs for each different age category. The prices are based on a married female driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.
Rate comparison of males versus females in Cleveland
The illustration below compares Pontiac Vibe auto insurance costs for male and female drivers. The premium estimates are based on no claims, a clean driving record, comprehensive and collision coverage, $100 deductibles, drivers are single, and no policy discounts are applied.
Full coverage or liability only
The diagram below illustrates the difference between Pontiac Vibe annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Ohio. The data assumes no accidents, no driving violations, $500 deductibles, drivers are not married, and no policy discounts are applied.
When to eliminate full coverage
There is no set guideline for phasing out full coverage on your policy, but there is a general school of thought. If the annual cost of coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.
For example, let’s say your Pontiac Vibe replacement cost is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $5,000 after paying your policy deductible. If you are currently paying more than $500 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are some circumstances where buying only liability insurance is not recommended. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not opt for liability only.
Get cheap Pontiac Vibe insurance in Cleveland with discounts
Not too many consumers would say car insurance is affordable, but there’s a good chance there are discounts that could help you make your next renewal payment. Some trigger automatically at the time you complete a quote, but less common discounts must be asked about in order for you to get them.
- First Accident Forgiveness – Not a discount per se, but some companies like Progressive, Allstate, and Liberty Mutual allow you one accident without the usual rate increase if your claims history is clear for a specific time period.
- Online Discount – Some of the larger companies will provide an incentive just for signing your application over the internet.
- Claim-Free Discount – Insureds with no claims or accidents are rewarded with significantly better rates on Cleveland car insurance quote when compared to drivers with a long claim history.
- Multiple Vehicles – Drivers who insure multiple cars or trucks on a single policy can reduce rates for all insured vehicles.
- Service Members Pay Less – Being on active deployment in the military may lower your premium rates slightly.
- Distant College Student Discount – Kids who live away from home to go to college and do not have access to a covered vehicle may qualify for this discount.
- Save with a New Car – Buying car insurance coverage on a new vehicle can get you a discount due to better safety requirements for newer models.
We need to note that most discount credits are not given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. Any amount of discount will positively reduce your premiums.
The diagram below shows the comparison of Pontiac Vibe annual premium costs with and without discounts applied to the policy premium. The premiums are based on a female driver, a clean driving record, no claims, Ohio state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, safe-driver, homeowner, and marriage discounts applied.
A partial list of companies that may include most of these discounts include:
If you are trying to find low cost Cleveland car insurance quotes, ask each insurance company which discounts they offer. Some discounts may not be available in your area. To view insurance companies who offer car insurance discounts in Ohio, click this link.
Don’t assume everyone needs the same car insurance coverage
When choosing a policy for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different.
These are some specific questions can aid in determining if you will benefit from professional help.
- Will I be non-renewed for getting a DUI or other conviction?
- When would I need rental car insurance?
- Why is insurance for a teen driver so high in Cleveland?
- Can my teen driver be rated on a liability-only vehicle?
- Are rental cars covered under my policy?
- Should I bundle my homeowners policy with my auto?
- How much coverage applies to personal belongings?
- What is an adequate liability insurance limit?
- How does medical payments coverage work?
- How do I file an SR-22 for a DUI in Ohio?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.
Insurance quotes from local neighborhood Cleveland car insurance agents
Some people still like to sit down and talk to an agent and there is nothing wrong with that. Insurance agents can help you choose the best coverages and will help you if you have claims. A good thing about getting online price quotes is you may find the best rates and still have a local agent. Buying from and supporting neighborhood insurance agencies is important especially in Cleveland.
To find an agent, once you fill out this short form, your information is submitted to local insurance agents in Cleveland that give free quotes for your insurance coverage. You won’t need to search for any insurance agencies since price quotes are sent straight to your inbox. If you wish to get a rate quote from a specific insurance company, don’t hesitate to go to their quote page and submit a quote form there.
If you would like to find local Cleveland agents, you should know the types of agencies that you can select. Insurance agencies can be described as either independent or exclusive. Both types can insure your vehicles, but it’s good to learn the differences since it may influence your agent selection.
Independent Agencies or Brokers
Agents in the independent channel are not employed by any specific company so they can insure your vehicles amongst many companies and potentially find a lower price. If they quote lower rates, the business is moved internally and you don’t have to switch agencies.
When shopping rates, we recommend you get rate quotes from multiple independent agents for the best price selection. A lot of them also have access to lesser-known insurance companies which may provide better rates.
Featured below is a partial list of independent agencies in Cleveland who may provide competitive price quotes.
- Select Insurance Services Agency, Inc.
12608 State Rd – Cleveland, OH 44133 – (440) 237-8555 – View Map - Furlong and Co Insurance Agency Inc
569 E 185th St – Cleveland, OH 44119 – (216) 486-4170 – View Map - Nationwide Insurance: James F Greer Jr
16700 Chagrin Blvd – Cleveland, OH 44120 – (216) 752-7100 – View Map
Exclusive Insurance Agencies
Agents in the exclusive channel can only provide pricing for a single company and examples are State Farm or Allstate. Exclusive agents cannot give you multiple price quotes so it’s a take it or leave it situation. Exclusive agents are trained well on their products and sales techniques and that allows them to sell at a higher price point. Consumers often buy from exclusive agents mainly due to the brand and strong financial ratings.
Listed below is a short list of exclusive agencies in Cleveland that can give you comparison quotes.
- Robin Gorman – State Farm Insurance Agent
16812 Chagrin Blvd – Shaker Heights, OH 44120 – (216) 283-0080 – View Map - Anita Tyler – State Farm Insurance Agent
2168 S Taylor Rd – Cleveland Heights, OH 44118 – (216) 371-5900 – View Map - Allstate Insurance: Michael Wrobel
17016 Lorain Ave – Cleveland, OH 44111 – (216) 812-5413 – View Map
Finding the right insurance agency is decision based upon more than just the price. Any agent in Cleveland should have no problem answering these questions:
- Are they involved in claim handling?
- How much will you save each year by using a higher deductible?
- Do you work with a CSR or direct with the agent?
- Does the agent have a valid license to sell insurance in Ohio?
- Do they offer rental car reimbursement?
Persistence pays off
Drivers change insurance companies for many reasons like extreme rates for teen drivers, lack of trust in their agent, policy cancellation and even denial of a claim. Regardless of your reason for switching companies, choosing a new insurance company can be pretty painless.
We covered a lot of information how to find affordable Pontiac Vibe insurance in Cleveland. The key thing to remember is the more times you quote, the better likelihood of getting the cheapest Pontiac Vibe rate quotes. Consumers may even find the most savings is with some of the smallest insurance companies.
When trying to cut insurance costs, never reduce needed coverages to save money. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. Your aim should be to buy a smart amount of coverage at the best possible price while not skimping on critical coverages.
Much more information about auto insurance in Ohio can be read at the links below
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Who Has Cheap Car Insurance Quotes for Hybrid Vehicles in Cleveland? (FAQ)
- Who Has the Cheapest Cleveland Car Insurance Quotes for a Ford Explorer? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers with a Bad Driving Record in Cleveland? (FAQ)
- Who Has Cheap Cleveland Car Insurance for Good Drivers? (FAQ)
- Who Has Cheap Auto Insurance Quotes for 16 Year Olds in Cleveland? (FAQ)
- Red Light Cameras (State Farm)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Auto Insurance FAQ (Farmers Insurance)
- Choosing a Car for Your Teen (State Farm)