Compare 2004 Pontiac Aztek Car Insurance Rates

Looking for cheaper insurance rates for your Pontiac Aztek? No one in their right mind anticipates paying for insurance, especially when they are paying too much. Numerous insurance companies battle for your business, so it can be very hard to choose a insurer to find the lowest price

It’s important to do price comparisons quite often because prices tend to go up over time. Just because you had the best rates on Aztek insurance a couple years back you can probably find a better premium rate now. Block out anything you think you know about insurance because you’re about to find out the right way to find great coverage at a great price.

Take advantage of every insurance coverage discount

Companies that sell car insurance do not list all available discounts very well, so the list below contains a few of the more common and the harder-to-find discounts that may be available. If you don’t get every credit available, you’re paying more than you need to.

• Onboard Data Collection – Insureds who allow data collection to track driving habits by using a telematic data system such as Progressive’s Snapshot might get better premium rates as long as the data is positive.
• Savings for New Vehicles – Buying coverage on a new vehicle can save you some money since new vehicles are generally safer.
• Pay Upfront and Save – If you can afford to pay the entire bill instead of monthly or quarterly installments you may reduce your total bill.
• Homeowners Discount – Owning a home may trigger a policy discount on insurance coverage since home ownership requires a higher level of personal finance.
• Life Insurance Discount – Some companies give lower insurance coveragerates if you buy some life insurance too.
• Club Memberships – Belonging to qualifying clubs or civic groups may earn a discount on your bill.
• Multiple Policy Discount – If you can combine your auto and home policy and place coverage with the same company you may save nearly 15% which can help you find affordable insurance.
• Military Rewards – Having a deployed family member could be rewarded with lower rates.
• Good Students Pay Less – Excelling in school may save as much as 25% on a insurance quote. This discount can apply up to age 25.

While discounts sound great, it’s important to understand that some of the credits will not apply to your bottom line cost. Some only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way.

A few companies that may offer policyholders most of these discounts include:

• Progressive
• Geico
• State Farm
• Esurance
• The Hartford

When comparing rates, check with every prospective company how many discounts you can get. All car insurance discounts may not apply to policies everywhere.

Low cost car insurance prices

Effectively comparing car insurance prices can be exhausting if you don’t understand the easiest way. You could waste a few hours talking about coverages with insurance agencies in your area, or you can stay home and use online quoting to quickly compare rates.

Most major companies belong to a marketplace that enables customers to submit one quote, and each company returns a competitive quote based on the submitted data. This system prevents you from having to do quote forms for every car insurance company.

To compare pricing click here to open in new window.

The only downside to comparing rates this way is that you can’t choose which carriers you will receive quotes from. So if you prefer to pick specific insurance companies to request quotes from, we have a page of companies who write car insurance in your area. View list of insurance companies.

How you compare quotes is your choice, just compare exactly the same coverage data for each comparison quote. If you compare mixed coverages then you won’t be able to determine the best price for your Pontiac Aztek.

How your Aztek insurance rates are determined

An important part of buying insurance is that you know the different types of things that aid in calculating the price you pay for insurance coverage. If you understand what impacts premium levels, this empowers consumers to make smart changes that can earn you much lower annual insurance costs. Many factors are used when you get your auto insurance bill. Some factors are common sense like your driving record, although others are not quite as obvious such as your credit history or your vehicle rating.

The factors shown below are some of the items insurance coverage companies consider when setting prices.

• Safer vehicles are cheaper to insure – Vehicles that have high safety ratings tend to have better insurance rates. Safer cars have better occupant injury protection and lower rates of occupant injuries translates directly to fewer claims which can result in lower premiums.
• Gender and insurance rates – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Males and females tend to get into at-fault accidents at about the same rate, but the males tend to have more serious accidents. They also have more aggressive citations like DUI and reckless driving.
• Where you call home – Being located in less populated areas of the country can be a good thing when buying insurance coverage. Drivers who live in large cities regularly have more auto accidents and higher rates of accident claims. Lower population translates into fewer accident claims and also fewer theft and vandalism claims.
• Companies want multiple policies – Most insurance coverage companies will award a discount to insureds who buy several policies from them. It’s known as a multi-policy discount. Even with this discount, it’s in your best interest to comparison shop to make sure you are getting the best deal.
• More stress means more cost – Careers like lawyerspolice officers and dentists usually pay higher rates than average attributed to high stress levels and long work hours. Other careers like professors, students and performers pay lower than average rates on Aztek insurance.
• Continuous insurance coverage coverage saves money – Driving any period of time without insurance can get you a ticket and insurance coverage companies will penalize you for letting your insurance lapse. Not only will you pay higher rates, the inability to provide proof of insurance could earn you fines and jail time. You could then be forced to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
• Prevent theft and reduce insurance coverage rates – Choosing a vehicle that has a built-in theft deterrent system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent auto theft.
• Your liability limits – The liability section of your policy will protect you in the event that you are ruled to be at fault for physical damage or personal injury to other. Liability insurance provides legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.

How to know if you need help

When choosing coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can help discover whether you will benefit from professional help.

• Do I need roadside assistance coverage?
• If my 2004 Pontiac Aztek is totaled, can I afford another vehicle?
• I have a DUI can I still get coverage?
• Why am I required to buy liability insurance?
• When can I cancel my policy?
• How much liability insurance is required?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Insurance in the media

Consumers can’t avoid all the ads that claim the cheapest car insurance rates from the likes of Allstate and Progressive. They all seem to make the promise that you’ll save big just by switching to them.

How is it plausible that every one can have lower policy pricing? Here is how they do it.

Companies offer their best rates for the type of insured that earns them the highest profit. An example of this type of insured might be described as between the ages of 40 and 55, has never had a claim, and drives a safe vehicle. Someone who meets those qualifications will get very good rates as well as save when switching.

Consumers who are not a match for those criteria must pay higher prices which translates to the customer buying from a different company. If you listen closely, the ads state “people who switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s why insurance companies can make it sound like they have such great prices. This emphasizes why you need to get price quotes at each policy renewal. It is impossible to predict which company will have the best premium rates for your profile.

Auto insurance coverages 101

Learning about specific coverages of a auto insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by auto insurance companies.

Collision coverage – Collision insurance pays for damage to your Aztek caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability coverage – This coverage can cover damages or injuries you inflict on other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against claims such as repair bills for other people’s vehicles, medical services, loss of income and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Pontiac Aztek.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for EMT expenses, pain medications, doctor visits and funeral costs. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – Comprehensive insurance 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 insurance covers things such as vandalism, theft, a tree branch falling on your vehicle, damage from a tornado or hurricane and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Compare but don’t skimp

When getting insurance quotes online, do not reduce coverage to reduce premium. There have been many cases where an insured cut physical damage coverage and discovered at claim time that they should have had better coverage. Your objective should be to get the best coverage possible for the lowest cost, not the least amount of coverage.

Some companies do not provide online quoting and usually these smaller companies only sell coverage through independent insurance agencies. Cheaper 2004 Pontiac Aztek insurance is definitely available online as well as from insurance agents, so you should be comparing quotes from both to have the best selection.

Much more information about auto insurance can be read at the links below

• Safety Belts FAQ (iihs.org)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)