Sorry your Vibe was hit. Hope all are OK!
Try the NADA site:
http://www.nadaguides.com/Cars/2003/Pon ... gon-4D-AWD
It shows the "clean retail" base price as $4,300. You'd add or subtract from that for options you have, e.g., alloy wheels, sunroof.
"Clean Trade In" base price is $2,525- this should be your minimum price.
I'd be looking for somewhere between those two numbers for a settlement. The insurance company knows it needs to negotiate with you for the value of the vehicle. They are not looking out for your interest. It helps to tell the claims agent about any recent repairs or improvements you made to the vehicle, e.g., new battery, new tires, LED lights, spoiler, hood protector, etc, that would make the vehicle worth more than a stock Vibe.
Try looking for what it would cost to replace your vehicle:
http://www.autotrader.com/cars-for-sale ... ntiac/Vibe
Looks like $4k, give or take for mileage and options.