2003 Pontiac Aztek Insurance Quotes – 5 Discounts for Cheapest Rates

Searching for cheaper insurance rates for your Pontiac Aztek? Consumers that are new to buying auto insurance online are likely to find sourcing cheap car insurance is very challenging.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using this information. This article will tell you how car insurance quotes work and some money-saving tips. But consumers do need to understand the way insurance companies sell insurance online and take advantage of how the system works.

Free auto insurance price quotes

Many insurance companies such as Progressive, Allstate and Geico make it easy to get insurance quotes from their websites. Getting online rates is easy for anyone as you just enter the amount of coverage you want into the form. After you submit the form the quote system pulls your driving record and credit report and returns pricing information based on many factors.

Online price estimates makes comparing rates easy, but the time required to go to different websites and complete many quote forms can get tiresome after awhile. But it is imperative to have as many quotes as possible if you are searching for a better rate.

A more efficient way to get multiple rate quotes uses one form to get prices from a bunch of companies at once. This type of form saves time, helps eliminate reptitive entry, and makes online shopping much more enjoyable and efficient. After sending the form, it is rated and you can choose any or none of the price quotes you receive.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. It takes just a few minutes to complete and may save quite a bit of money.

To save time and compare rates now, click here and enter your information. If you have your current policy handy, we recommend you type in the coverage information as close as possible to your current policy. This helps ensure you will have a rate comparison for the exact same coverage.

Save a ton with these five discounts

Companies offering auto insurance don’t always advertise every available discount very well, so the below list has a few of the more well known and the harder-to-find discounts that you can inquire about if you buy car insurance online. If they aren’t giving you every credit you deserve, you are paying more than you should be.

• Accident Forgiveness Coverage – Not a discount per se, but companies like Geico, State Farm, and Progressive will forgive one accident before raising your premiums so long as you are claim-free before the accident.
• Multiple Policy Discount – If you have multiple policies with one company you could get a discount of over 10 percent off each policy depending on the company.
• Savings for New Vehicles – Buying a new car instead of a used car can get you a discount because new model year vehicles are generally safer.
• Memberships – Affiliation with a professional or civic organization is a good way to get lower rates on your next auto insurance statement.
• Defensive Driving Course – Taking time to complete a course in defensive driver could cut 5% off your bill if you qualify.

It’s important to note that many deductions do not apply to your bottom line cost. Most cut individual premiums such as medical payments or collision. Just because you may think all the discounts add up to a free policy, it just doesn’t work that way.

To see a list of insurers that offer discounts, click this link.

What is the best insurance coverage coverage?

When it comes to choosing the best insurance coverage coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining if you might need professional guidance.

• Does my liability insurance cover pulling a trailer or camper?
• Should I buy full coverage?
• What is the difference between comprehensive and collision coverage?
• How much can I save by bundling my policies?
• Does my policy pay for OEM or aftermarket parts?
• When do I need to add a new car to my policy?
• Is my state a no-fault state?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Save $443 a year! What?

Progressive, Allstate and Geico consistently run television, radio, and online ads. They all seem to seem to make the promise that drivers will save a bundle if you get a free car insurance quote and switch to them. How can each company charge lower premium rates? It’s all in the wording.

Insurance coverage companies have strict underwriting profiles for the type of driver that earns them the most money. For example, a profitable risk profile might be described as over the age of 45, has a low-risk occupation, and drives less than 5,000 miles a year. Anyone who fits that profile will get a cheap rate quote and have a good chance to save if they switch.

Consumers who cannot meet these criteria will probably be forced to pay higher premium rates and this results in the customer not buying. If you pay close attention to the ads, they say “people that switch” not “all people who quote” save that much money. That’s why insurance companies can confidently claim big savings.

Because every company is different, you should get car insurance quotes as often as possible. It’s just not possible to know which company will have the lowest rates for your situation.

Insurance coverage specifics

Having a good grasp of your insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Auto liability – Liability coverage can cover damage that occurs to other people or property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like loss of income, legal defense fees, bail bonds and structural damage. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverages – This pays for damage to your Aztek resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a parking meter, scraping a guard rail, colliding with a tree and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as theft, a tree branch falling on your vehicle and damage from flooding. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Pontiac Aztek.

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

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for expenses for doctor visits, prosthetic devices, ambulance fees, chiropractic care and nursing services. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Don’t throw your cash in the trash

Consumers who switch companies do it for any number of reasons including questionable increases in premium, policy non-renewal, not issuing a premium refund and delays in paying claims. Regardless of your reason for switching companies, finding a new company is pretty simple and you could end up saving a buck or two.

We just showed you quite a bit of information on how to get a better price on 2003 Pontiac Aztek insurance. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the best price on car insurance is with a lesser-known regional company.

While you’re price shopping online, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, an insured cut liability coverage limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

More detailed car insurance information is located by following these links:

• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)
• All About Airbag Safety (State Farm)
• Alcohol Impaired Driving FAQ (iihs.org)