Want the cheapest car insurance rates for your Pontiac Aztek? Are you tired of scraping nickels together to make your car insurance payment? You are in the same boat as many other drivers.
Due to the increasing number of companies and agents to choose from, it is hard for the average consumer to pick the right insurance company.
Finding affordable coverage is quite easy. If you have car insurance now, you will most likely be able to cut costs considerably using these tips. Although consumers need to have an understanding of how big insurance companies price insurance differently and take advantage of how the system works.
The easiest way to get policy rate comparisons is to know the trick most insurance companies provide online access to compare their rates. The only thing you need to do is provide information including how you use your vehicles, if you require a SR-22, types of safety features, and how much education you have. Those rating factors is automatically sent to many of the top insurers and they return cost estimate almost instantly.
Buying car insurance is not cheap, but discounts can save money and there are some available to reduce the price significantly. Some of these disounts will be visible at the time you complete a quote, but some discounts are required to be specially asked for before being credited.
You can save money using discounts, but most of the big mark downs will not be given the the whole policy. Most only apply to individual premiums such as medical payments or collision. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way. But any discount will definitely reduce the cost of your policy.
A few popular companies and a selection of discounts can be read below.
When quoting, ask every prospective company to give you their best rates. Some discounts listed above may not apply in your area. To locate car insurance companies with significant discounts, click this link.
When choosing the right insurance coverage for your vehicles, there really is no perfect coverage plan. Each situation is unique so your insurance should reflect that These are some specific questions could help you determine if your situation will benefit from professional help.
If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.
Lots of factors are used in the calculation when premium rates are determined. Most are fairly basic such as your driving record, but other factors are not as apparent such as your marital status and annual miles driven.
Having a good grasp of a auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be confusing and reading a policy is terribly boring. These are typical coverages found on most auto insurance policies.
Med pay and PIP coverage provide coverage for bills such as pain medications, EMT expenses, prosthetic devices and nursing services. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
This will cover injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three 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 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.
Liability coverage protects against things such as structural damage, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but buy as much as you can afford.
Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.
This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things such as crashing into a building, sideswiping another vehicle, colliding with a tree, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.
This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims such as damage from a tornado or hurricane, hail damage, hitting a bird and falling objects. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
When buying insurance coverage, it’s not a good idea to skimp on coverage in order to save money. In many instances, consumers will sacrifice uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage at the best possible price.
A few companies don’t offer rates over the internet and usually these regional insurance providers prefer to sell through local independent agents. Lower-priced 2001 Pontiac Aztek insurance can be purchased online and from local insurance agents, and you should be comparing both to have the best selection.
More information is located at these links:
Tierra Summers
I’ve bought from Progressive forever. Cheapest rates in Salt Lake City, Utah.
Iluminada Wagner
I think I’m paying too much. From Concord, New Hampshire. Compared quite a few companies. Saved roughly $20 a month. Progressive was the cheapest for me. Insured with Travelers before. Hardly afford to drive anymore. Liability only on my Pontiac.
Peggie Miller
If you’re around Honolulu, HI try Allstate and GEICO and see which is cheaper.
Haydee Rojas
Need cheaper insurance rates for my teenage driver in Tacoma, WA!!
Garnett Drake
In Norman, OK, Allstate is a good choice. I dropped full coverage awhile back.
Dinah Vinson
21st Century was cheapest for my 2001 Pontiac Aztek in Wilmington, Delaware.
Latricia Sims
Not sure what I should be paying. I’m in the suburbs of Manchester, New Hampshire. Compared quite a few companies. Saved darn near $20 a month. 21st Century was the best choice for me. I got prices on the web.
Mirtha Terrell
Cheaper not always better. I’m in the suburbs of Nashua, NH. I compared lots of rates. Saved roughly $20 a month. State Farm was the most affordable for me. Left Encompass to switch. Get lots of quotes to find the best rate.
Jacquelyne Wynn
Will State Farm give a discount for driver training?
Jospeh Walton
In Gulfport, Mississippi, GEICO is a good choice. Insured with Amica before.
Lesley Pierce
Great site. From south side of Salem, Oregon. Got prices from AAA, Encompass, and Safeco for my Aztek and saved just over $110 a year. Not sure if rates are cheaper online or not. I don’t have comp or collision coverage.
Jayson Reed
Cheaper car insurance is a myth. Located in Rochester, NY. I quoted with Progressive, American Family, and Farmers for my 2001 Pontiac Aztek and saved $80 a year. Thankfully I’m not a high risk driver.
Vinnie Raymond
Cheaper not always better. Lifelong resident of Honolulu, Hawaii. Went online for free insurance quotes for a 2001 Pontiac Aztek. Ended up at about $120 savings annually. Went with 21st Century.
Connie Gray
Lifelong resident of Greensboro, NC. I got free quotes from Amica, Erie, and Mercury for my Aztek and cut my rates about $90 a year. It’s still not cheap enough.