How Much Does 2004 Pontiac Aztek Insurance Cost?

Expensive insurance can overdraw your checking account and force you to make sacrifices. Shopping your coverage around is a great way to reduce premiums and put more money in your pocket.

Many insurance companies vie for your insurance dollar, so it can be very hard to choose a company and get the definite lowest rate

It’s smart to get comparison quotes every six months due to the fact that insurance rates are constantly changing. Just because you found the lowest rates for Aztek coverage a year ago you can probably find a better price now. There is a lot of wrong information about insurance on the internet, so with this article, you’re going to get some great ways to find cheap insurance.

Which Car Insurance is Cheapest?

To find the best car insurance prices, there are several ways of comparing rate quotes from different insurance companies. The best way to find competitive 2004 Pontiac Aztek insurance rates involves getting comparison quotes online. This can be accomplished using a couple different methods.

  • One of the simplest ways to get quotes for comparison is a comparison rater form click to view form in new window. This type of form eliminates the need for boring form submissions for each company. One quote request will return price quotes from multiple low-cost companies.
  • A more time consuming way to shop for car insurance online is spending the time to visit the website of each company to complete their respective quote request forms. For example, we’ll assume you want to compare Liberty Mutual, Esurance and Geico. You would have to spend time on each company’s site to input your insurance information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.
  • The hardest method of getting rate comparisons is to drive around to insurance agents’ offices. Shopping for car insurance online eliminates the need for an insurance agent unless you prefer the personal advice that only a license agent can provide. However, consumers can comparison shop your insurance online and get advice from an agent in your area and you’ll learn how to do that later.

It doesn’t matter which method you choose, just make darn sure you compare exactly the same quote information for each comparison quote. If the quotes have mixed coverages it will be very difficult to find the best deal for your Pontiac Aztek. Slightly different coverage limits can result in a big premium difference. Just remember that quoting more will enable you to find the best offered rates.

Do auto insurance companies bend the truth?

Companies like Progressive, Allstate and Geico regularly use television and radio advertisements. All the ads make an identical promise that you’ll save big if you move to their company. But how can every company claim to save you money?

All the different companies have a preferred profile for the type of driver they prefer to insure. For instance, a preferred risk might be profiled as a mature driver, has no prior claims, and has a high credit rating. A driver that hits that “sweet spot” will get very good rates and therefore will save when they switch companies.

Potential customers who are not a match for this ideal profile will be quoted a higher premium and this can result in business not being written. The ads say “people who switch” but not “drivers who get quotes” save that kind of money. This is how insurance companies can claim big savings.

This emphasizes why it’s extremely important to compare many company’s rates. It is impossible to predict the company that will fit your personal profile best.

Factors determining your Pontiac Aztek insurance premium

Consumers need to have an understanding of the factors that go into determining insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that will entitle you to much lower annual insurance costs.

  • Lower rates with optional equipment – Driving a car that has an advanced theft prevention system can get you a discount on your insurance. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Lower rates come with age – Older drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers. Youthful drivers are statistically proven to be careless and easily distracted behind the wheel therefore insurance rates are much higher.
  • Higher deductibles cost less – The deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some instances where coverage would apply are running into the backend of another car, damage from fire, and windstorm damage. The more expense you are required to pay out-of-pocket, the less your insurance will be for Aztek coverage.
  • Drive a safer car and pay less – Vehicles with good safety scores tend to have better insurance rates. Safer cars reduce injuries and fewer injuries translates into fewer and smaller insurance claims and lower rates for you. If your Pontiac Aztek earned at least four stars on Safercar.gov it may be receiving lower rates.
  • Do you know you’re credit rating? – Credit history is a big factor in determining what you pay for insurance. So if your credit rating is not that good, you could be paying less to insure your 2004 Pontiac Aztek by improving your credit score. Drivers who have good credit tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.
  • More miles equals more premium – The more miles you rack up on your Pontiac every year the higher your rate. Most insurance companies charge to insure your cars determined by how the vehicle is used. Cars that are left in the garage qualify for better rates than vehicles that are driven to work every day. Verify your insurance policy is showing how each vehicle is driven. If your policy improperly rates your Aztek can cost quite a bit.

Discounts to lower Pontiac Aztek insurance rates

The cost of insuring your cars can be expensive, but you can get discounts that you may not know about. Some discounts apply automatically at the time you complete a quote, but some must be asked for before you get the savings.

  • Federal Employees – Active or retired federal employment may qualify you for a discount for Aztek coverage with select insurance companies.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. The discount lasts up to age 25.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Paperless Signup – Some insurance companies will give a small break for buying a policy and signing up digitally online.
  • Clubs and Organizations – Affiliation with a qualifying organization could trigger savings when shopping for insurance for Aztek coverage.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you may save up to 20% off your total premium.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Senior Citizens – If you’re over the age of 55, you can possibly qualify for reduced rates for Aztek coverage.

Keep in mind that some of the credits will not apply to the entire policy premium. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, insurance companies aren’t that generous. But any discount will reduce the cost of coverage.

A partial list of companies who might offer some of the above discounts include:

Check with each insurance company which discounts they offer. Some discounts may not be available in every state.

Tailor your coverage to you

When choosing coverage, there is no “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that can help discover whether your personal situation would benefit from professional advice.

  • Is a fancy paint job covered?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need added coverage for expensive stereo equipment?
  • How much can I save by bundling my policies?
  • Should I have combined single limit or split liability limits?
  • Is my state a no-fault state?
  • Am I getting all the discounts available?
  • Do I pay less if my vehicle is kept in my garage?
  • Will my rates increase for filing one claim?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Car insurance coverage information

Learning about specific coverages of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most insurance policies.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like doctor visits, EMT expenses, nursing services and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive auto coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, vandalism and fire damage. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability auto insurance – This provides protection from damages or injuries you inflict on other people or property. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as attorney fees, structural damage, emergency aid and bail bonds. How much coverage you buy is your choice, but buy higher limits if possible.

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

Collision insurance covers claims like sustaining damage from a pot hole, colliding with another moving vehicle, crashing into a ditch, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 2004 Pontiac Aztek.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Be a penny pincher

When shopping online for insurance, it’s a bad idea to buy poor coverage just to save money. In many cases, someone sacrificed liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at a price you can afford while still protecting your assets.

The cheapest 2004 Pontiac Aztek insurance can be purchased both online as well as from independent agents, and you need to price shop both to have the best selection. Some insurance companies don’t offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

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