Cheap 2001 Pontiac Aztek Insurance Rates

Searching for the cheapest car insurance rates for your Pontiac Aztek? Finding cheaper premium rates for Driverscar insurance could be frustrating for people who have little experience online rate comparisons. Drivers have so many companies to choose from that it can easily become a difficult challenge to compare premium rates.

Compare auto insurance rates

Most of the larger companies make it easy to get coverage prices direct online. Comparing rates online is easy for anyone because it’s just a matter of typing in your coverage information into a form. Upon sending the form, the company’s rating system obtains credit information and your driving record and provides a quote based on the information you submitted.

Online price estimates makes comparing rates easy, but the time required to go to each company’s website and repetitively fill out multiple forms is a big time waster. But it is imperative to have as many quotes as possible if you want to get a better rate.

There is an easier way!

The smarter way to compare auto insurance pricing uses one simple form to get prices from many companies. This type of form saves time, eliminates form submissions, and makes online quotes much more enjoyable and efficient. As soon as you send your information, it is rated and you are able to buy any or none of the quotes returned.

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

To find out what other companies charge, simply click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you complete the form with the insurance coverages as shown on your current policy. This makes sure you will receive a rate comparison for similar coverage.

Find hidden discounts on insurance coverage

The cost of insuring your cars can be expensive, but you might find some hidden discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied when you complete an application, but occassionally some discounts must be manually applied prior to getting the savings.

  • Air Bags and Passive Restraints – Vehicles with factory air bags or automatic seat belts may get savings of more than 20%.
  • Mature Driver Discount – If you qualify as a senior citizen, you may receive reduced rates on Aztek coverage.
  • Paper-free Discount – Many companies will give you a small discount just for signing your application on the internet.
  • Discount for Good Grades – This discount may save as much as 25% on a car insurance quote. The discount lasts well after school through age 25.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Telematics Data Discounts – Policyholders that allow data collection to track vehicle usage by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they are good drivers.
  • Student Driver Training – Teen drivers should enroll in driver’s education in high school.
  • Cautious Drivers – Insureds who avoid accidents can save up to 40% or more on their car insurance quote on Aztek coverage than drivers with accident claims.
  • Distant Student – Children who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Save with More Vehicles Insured – Insuring all your vehicles with one company can get a discount on all vehicles.

Don’t be surprised that some credits don’t apply to all coverage premiums. Most only reduce individual premiums such as collision or personal injury protection. So when it seems like all those discounts means the company will pay you, insurance coverage companies aren’t that generous. But all discounts will help lower your policy premium.

If you would like to see a list of insurance companies that offer multiple discounts, click this link.

Learn how to quote insurance coverage cheaper

Many things are part of the calculation when quoting car insurance. Most are fairly basic such as your driving history, but other factors are less obvious like where you live or how safe your car is.

The itemized list below are just a few of the factors used by companies to determine your premiums.

  • Premiums increase with driving tickets – Good drivers pay less for auto insurance as compared to those with violations. Just one chargable violation can bump up the cost substantially. Drivers who get careless violations such as reckless driving or DUI might be required by their state to maintain a SR-22 with their state motor vehicle department in order to legally drive a vehicle.
  • Lower physical damage deductibles cost more – The deductibles are the amount of money you are required to spend in the event of a claim. Coverage for physical damage, also known as collision and other-than-collision, covers damage that occurs to your car. Examples of some claims that would be covered could be collision with another vehicle, animal collisions, and damage from wind. The more damage repair cost you pay before a claim is paid (deductible), the better rate you will receive on Aztek coverage.
  • Deter theft and save – Owning a car with anti-theft technology or alarm system can save you some money. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent vehicle theft.
  • Don’t skimp on liability insurance – The liability section of your policy is the protection when you are ruled to be at fault for physical damage or personal injury to other. Liability insurance provides you with a defense in court starting from day one. This coverage is very inexpensive compared to comp and collision, so buy as much as you can afford.

Tailor your insurance coverage to you

When buying adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions might point out whether or not you might need an agent’s assistance.

  • Why is insurance for a teen driver so high?
  • Do I benefit by insuring my home with the same company?
  • Is extra glass coverage worth it?
  • Am I covered when using my vehicle for business?
  • Can my babysitter drive my car?
  • What is roadside assistance coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage for damage caused while driving under the influence?
  • Should I bundle my homeowners policy with my auto?
  • How high should deductibles be on a 2001 Pontiac Aztek?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form.

Car insurance policy coverages for a Pontiac Aztek

Understanding the coverages of a car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage – Collision insurance will pay to fix damage to your Aztek resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sideswiping another vehicle, colliding with a tree, crashing into a building, colliding with another moving vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for liability – This provides protection from damages or injuries you inflict on other’s property or people. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

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 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like repair bills for other people’s vehicles, emergency aid, medical expenses and bail bonds. 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.

Medical costs insurance – Med pay and PIP coverage provide coverage for bills for things like doctor visits, nursing services, EMT expenses, chiropractic care and funeral costs. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like theft, hail damage and damage from getting keyed. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM Coverage – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2001 Pontiac Aztek.

Due to the fact that 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 a good idea. Frequently the UM/UIM limits are set the same as your liablity limits.

Take this to the bank

You just read many ideas to shop for 2001 Pontiac Aztek insurance online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your auto insurance rates. Consumers could even find that the lowest rates come from a small mutual company.

When buying insurance coverage, do not reduce coverage to reduce premium. There are too many instances where an insured cut liability limits or collision coverage only to regret that they should have had better coverage. The goal is to find the BEST coverage for the lowest cost but still have enough coverage for asset protection.

People leave their current company for any number of reasons including denial of a claim, an unsatisfactory settlement offer, not issuing a premium refund or policy non-renewal. Regardless of your reason for switching companies, finding a new car insurance company is actually quite simple.

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