2004 Pontiac Aztek Car Insurance Rates – 5 Ideas for Best Quotes

Want better auto insurance rates for your Pontiac Aztek? Searching for the most affordable auto insurance on the web can seem to be rather challenging for beginners to buying insurance on the web. Because there are so many choices, how can consumers possibly compare them all to find the best price?

If you currently have car insurance, you should be able to lower your premiums substantially using these techniques. Pricing the cheapest coverage is not that difficult. But drivers do need to know how big insurance companies price insurance differently because it can help you find the best coverage.

Vehicle Insurance Comparison

Shopping for lower auto insurance rates can be a daunting task if you aren’t aware of the easiest way. You could spend the better part of a day driving to agents in your area, or you can stay home and use online quotes to get rates in a matter of minutes.

Many popular insurance companies take part in a program that enables customers to enter their coverage request one time, and each company then gives them pricing based on that data. This system prevents you from having to do form submissions for every auto insurance company.

To access this free quoting program, click here to open in new window.

The only downside to doing it this way is that consumers can’t choose which companies to receive prices from. If you wish to select individual companies to compare prices, we have a page of companies who write auto insurance in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but ensure you are comparing exactly the same deductibles and coverage limits for every quote you compare. If your comparisons have higher or lower deductibles it’s impossible to truly determine the lowest rate. Quoting even small variations in limits may result in large price differences. Keep in mind that comparing a large number of companies will enable you to find better pricing.

Cut your premium with these five discounts

Car insurance can cost a lot, but discounts can save money and there are some available that you may not even be aware of. Most are applied at quote time, but less common discounts must be requested specifically before being credited.

  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Defensive Driving Course – Successfully completing a driver safety course can save you 5% or more if you qualify.
  • Homeowners Discount – Owning a home can save you money because of the fact that having a home shows financial diligence.

It’s important to note that most discounts do not apply to the overall cost of the policy. Some only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it just doesn’t work that way. Any amount of discount will cut the cost of coverage.

For a list of insurers with discount car insurance rates, click here to view.

What is the best insurance coverage?

When it comes to buying the best insurance coverage, there is no one size fits all plan. Everyone’s situation is unique.

For instance, these questions might point out whether your personal situation would benefit from professional advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered if I crash into my own garage door?
  • Does insurance cover tools stolen from my truck?
  • When does my teenage driver need to be added to my policy?
  • Do I have coverage if my license is suspended?
  • Do I need rental car coverage?
  • How does medical payments coverage work?
  • Is upholstery damage covered by car insurance?
  • When should I not file a claim?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Advertising myths

Companies like Allstate, Geico and Progressive consistently run ads in print and on television. All the ads make the same claim about savings if you change to their company. How do they all say the same thing?

All the different companies have a certain “appetite” for the driver that earns them a profit. An example of a profitable customer might be between the ages of 40 and 55, insures multiple vehicles, and has a short commute. A customer getting a price quote who meets those qualifications will get the preferred rates and as a result will probably pay quite a bit less when switching companies.

Drivers who fall outside these standards will have to pay more money which usually ends up with the driver buying from a lower-cost company. The ads say “customers who switch” but not “drivers who get quotes” save that much money. That’s the way companies can make those claims.

Because of the profiling, you absolutely need to compare many company’s rates. It’s just too difficult to predict which auto insurance company will have the lowest Pontiac Aztek insurance rates.

Specifics of your insurance policy

Learning about specific coverages of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision insurance

This coverage covers damage to your Aztek caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with a tree, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses for pain medications, hospital visits, ambulance fees, dental work and doctor visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as fire damage, rock chips in glass and falling objects. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability

Liability coverage can cover injuries or damage you cause to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as loss of income, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

UM/UIM Coverage

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Pontiac Aztek.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these coverages are similar to your liability insurance amounts.

Don’t throw your cash in the trash

Consumers who switch companies do it for a variety of reasons including extreme rates for teen drivers, questionable increases in premium, delays in responding to claim requests or lack of trust in their agent. It doesn’t matter what your reason, switching insurance coverage companies is pretty simple and you could end up saving a buck or two.

Budget-conscious 2004 Pontiac Aztek insurance is attainable both online in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers do not provide the ability to get a quote online and these small insurance companies work with independent agents.

As you prepare to switch companies, don’t be tempted to buy less coverage just to save a little money. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. The aim is to find the BEST coverage for the lowest price while still protecting your assets.

Additional information is available at the links below