Save on 2001 Pontiac Aztek Car Insurance Cost

Finding better rates for auto insurance is challenging for consumers new to buying insurance online. Drivers have so many options that it can turn into more work than you anticipated to compare prices.

If you are paying for car insurance now, you should be able to save some money using these tips. Pricing affordable protection is not that difficult. Nevertheless, vehicle owners can benefit by having an understanding of how companies price online insurance.

The most recommended method to compare rates takes advantage of the fact most larger insurance companies pay for the opportunity to compare their rates. To begin a comparison, all you need to do is provide details including whether your vehicle is owned or leased, if it has an anti-theft system, if you’re married, and how much education you have. That rating information is instantly provided to all major companies and they respond with quotes immediately.

To compare rates for a 2001 Pontiac Aztek now, click here then complete the form.

Ads can be misleading

Insurance companies such as Progressive, Allstate and Geico constantly bombard you with ads in print and on television. They all seem to say the same thing that you can save if you switch your policy. How do they all make the same claim? This is how they do it.

All the different companies are able to cherry pick for the driver that is profitable for them. For example, a preferred risk might be between 25 and 40, has no driving citations, and chooses high deductibles. Any new insured who meets those qualifications receives the best rates and is almost guaranteed to save when switching.

Drivers who are not a match for the requirements will be quoted a higher premium and ends up with business not being written. The ads say “drivers who switch” not “people who quote” save that kind of money. That’s the way companies can truthfully make those claims.

This emphasizes why you absolutely need to get quotes from several different companies. It’s impossible to know the company that will provide you with the cheapest Pontiac Aztek insurance rates.

Don’t pay full price with these discounts

Properly insuring your vehicles can get expensive, but you can get discounts that you may not even be aware of. Some trigger automatically at the time of quoting, but lesser-known reductions have to be requested specifically before being credited.

  • Good Student Discount – Performing well in school can earn a discount of 20% or more. The discount lasts up to age 25.
  • New Car Discount – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • Clubs and Organizations – Being a member of a qualifying organization may earn a discount when buying insurance for Aztek insurance.
  • Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Early Signing – Some companies give discounts for signing up prior to your current policy expiration. This can save 10% or more.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance.

Keep in mind that many deductions do not apply to the overall cost of the policy. A few only apply to specific coverage prices like comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will reduce the cost of coverage.

Insurance companies that may have these benefits include:

Before buying, ask every prospective company which discounts they offer. Discounts may not be available in your state.

Your personal situation dictates your coverage

When it comes to choosing coverage, there really is no “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining whether your personal situation might need professional guidance.

  • Are all vehicle passengers covered by medical payments coverage?
  • Do I pay less for low miles?
  • Does liability extend to a camper or trailer?
  • Does my insurance cover my expensive audio equipment?
  • Can I drive in Mexico and have coverage?
  • Is my babysitter covered when using my vehicle?
  • What if I owe more than I can insure my car for?
  • Should I put collision coverage on all my vehicles?
  • Is my trailer covered?
  • When should I remove comp and collision on my 2001 Pontiac Aztek?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form.

Insurance specifics

Knowing the specifics of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Pontiac Aztek.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from getting keyed, rock chips in glass, vandalism and hail damage. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for short-term medical expenses such as dental work, hospital visits, doctor visits, nursing services and chiropractic care. They are utilized in addition to your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability

Liability insurance provides protection from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like loss of income, repair costs for stationary objects, bail bonds and pain and suffering. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Collision coverage protection

Collision coverage pays for damage to your Aztek from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sustaining damage from a pot hole, crashing into a ditch, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Keep this in mind

Lower-priced 2001 Pontiac Aztek insurance is possible both online as well as from independent agents, and you need to comparison shop both to have the best rate selection. Some insurance companies don’t offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

People leave their current company for a number of reasons such as delays in paying claims, high rates after DUI convictions, policy cancellation and even questionable increases in premium. Regardless of your reason for switching companies, switching auto insurance companies is actually quite simple.

As you go through the steps to switch your coverage, it’s not a good idea to sacrifice coverage to reduce premiums. In many cases, someone sacrificed uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. Your strategy should be to buy enough coverage at the best price while not skimping on critical coverages.

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