Cheap 2002 Pontiac Aztek Insurance Quotes

Want cheaper insurance rates for your Pontiac Aztek? No normal person looks forward to paying premiums for insurance, especially when they are aware that the price is too high.

There is such a variety of insurance companies to purchase coverage from, and although it’s a good thing to have a choice, having more car insurance companies makes it harder to find the lowest cost provider.

You should make it a habit to take a look at other company’s rates once or twice a year because prices change quite often. Just because you found the lowest quotes for Aztek insurance a year ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because you’re going to learn how to use the internet to find lower rates on insurance.

Discounts for lower-cost insurance rates

Some insurance providers don’t always publicize all disounts in an easy-to-find place, so we break down a few of the more well known and also the more inconspicuous credits that may apply to you.

• Discount for Multiple Policies – If you combine your auto and homeowners policies with one insurance company you will save up to 20% and get you cheap auto insurance.
• Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts could see savings up to 30%.
• Waiver for an Accident – Not necessarily a discount, but some insurance companies will allow you to have one accident before hitting you with a surcharge if you have no claims for a specific time period.
• Military Rewards – Having a deployed family member may qualify for rate reductions.
• Fewer Miles Equal More Savings – Driving less may allow you to get lower insurancerates due to less chance of an accident.
• Membership in Organizations – Being a member of qualifying employment or professional organizations could trigger savings on your policy.
• Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn better insurancerates if you take out a life insurance policy as well.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

To see a list of insurers that have a full spectrum of discounts, click here to view.

Seven tips to get cheap insurance premiums

When buying car insurance it’s important to understand the different types of things that help calculate the price you pay for car insurance. When you know what positively or negatively influences your rates, this enables informed choices that may reward you with lower rates.

The items below are a partial list of the pieces that factor into premiums.

• More traffic means higher claims – Living in less populated areas of the country may provide you with better prices when shopping for auto insurance. Fewer drivers means fewer accidents and also fewer theft and vandalism claims. City drivers regularly have more traffic problems and longer commutes to work. More time behind the wheel means more chance of being in an accident.
• Filing car insurance claims can cost more – Companies provide the best rates to people who are claim-free. If you tend to file frequent claims, you can definitely plan on higher rates. Insurance coverage is designed for larger claims.
• Gender and car insurance prices – Over the last 50 years, statistics have shown women are more cautious behind the wheel. This data doesn’t prove that females are better drivers. Both genders are responsible for at-fault accidents in similar percentages, but men have accidents that have higher claims. They also get ticketed for serious violations such as reckless driving. Males from age 16 to 21 are most likely to cause an accident and therefore have the most expensive car insurance rates.
• Deter theft and pay less – Owning a car with advanced anti-theft systems can help bring down rates. Systems that thwart theives like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
• Bad drivers pay high premiums – Good drivers have lower premiums as compared to those with violations. Having a single moving violation can increase the cost of insurance forty percent or more. Drivers with multiple violations like DUI or willful reckless driving may be required to prove financial responsibility with their state’s department of motor vehicles in order to prevent their license from being revoked.
• Use credit responsibly and save – A driver’s credit history will be a significant factor in determining what you pay. Therefore, if your credit history can be improved, you could save money insuring your 2002 Pontiac Aztek by taking the time to improve your credit score. Consumers who have excellent credit scores tend to be better risks to insure as compared to drivers with lower credit scores.
• Never let your coverage expire – Driving any period of time without insurance is a misdemeanor and you may have a hard time finding new coverage because you let your coverage lapse. Not only will you pay higher rates, getting caught without coverage could earn you a license revocation or jail time.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions can aid in determining whether your personal situation could use an agent’s help.

• Is pleasure use cheaper than using my 2002 Pontiac Aztek to commute?
• Do I need motorclub coverage?
• Does car insurance cover theft of personal property?
• Does insurance cover tools stolen from my truck?
• Do I have coverage if my license is suspended?
• Is my dog or cat covered if injured in an accident?
• What can I do if my company denied a claim?
• Should I rate my 2002 Pontiac Aztek as pleasure use or commute?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Educate yourself about auto insurance coverages

Learning about specific coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages found on most auto insurance policies.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, a tree branch falling on your vehicle, damage from a tornado or hurricane, falling objects and damage from flooding. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance will pay to fix damage to your Aztek caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sustaining damage from a pot hole, colliding with a tree, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Coverage for liability

This coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things like pain and suffering, structural damage and bail bonds. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like pain medications, surgery and nursing services. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers 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 should not be overlooked. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Find Good Coverage for Less

Discount 2002 Pontiac Aztek insurance is available online and from local agencies, and you should be comparing both so you have a total pricing picture. Some companies do not provide rate quotes online and most of the time these small, regional companies provide coverage only through local independent agencies.

You just read some good ideas how to compare 2002 Pontiac Aztek insurance premium rates online. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even discover the lowest priced car insurance comes from the smaller companies. Some small companies can often provide lower prices in certain areas than their larger competitors like Allstate and Progressive.

To read more, take a look at these articles:

• State Car Insurance Guides (Geico)
• Child Safety Seats (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)