2005 Pontiac Aztek Car Insurance Quotes – 10 Tips for Best Rates

Want better car insurance rates? Drivers have lots of choices when trying to find low-cost Pontiac Aztek insurance. They can either spend hours calling around to get rate comparisons or save time using the internet to compare rates. There is a right way and a wrong way to buy car insurance and you need to know the proper way to get price quotes on a Pontiac and locate the lowest price.

More discounts mean cheap premiums

Car insurance can cost a lot, but there’s a good chance there are discounts that many people don’t even know exist. Many discounts should be triggered at the time of purchase, but some discounts are required to be specifically requested prior to receiving the credit.

  • Pay Now and Pay Less – By paying your entire bill at once instead of making monthly payments you could save 5% or more.
  • Homeowners Savings – Owning a house may trigger a policy discount on car insurance since owning and maintaining a home requires a higher level of personal finance.
  • Distant College Student Discount – Kids who are enrolled in higher education away from home and leave their car at home may be insured at a cheaper rate.
  • Passenger Safety Discount – Factory air bags or motorized seat belts can get savings of up to 25% or more.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage may enable drivers to earn lower car insurancerates on the low mileage vehicles.
  • Paperwork-free – Some insurance companies will provide an incentive for buying your policy on the internet.
  • Onboard Data Collection – Drivers that enable data collection to spy on their driving habits by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they show good driving skills.
  • Multi-line Discount – Select insurance companies reward you with a break if you buy a life policy as well.
  • Accident Waiver – Not really a discount, but some insurance companies may permit one accident before your rates go up if you have no claims for a specific time period.
  • Senior Citizen Discount – Seniors may qualify for a small decrease in premiums on Aztek coverage.

Drivers should understand that most discounts do not apply to your bottom line cost. Some only reduce specific coverage prices like collision or personal injury protection. Even though the math looks like all those discounts means the company will pay you, nobody gets a free ride.

Auto insurance companies that may include most of the discounts above are:

Before buying, ask every prospective company which credits you are entitled to. Savings may not be available in your area. To see a list of providers with significant discounts, click here to view.

It’s not one size fits all

When buying the best auto insurance coverage, there really is no cookie cutter policy. Every situation is different.

For instance, these questions might point out whether or not you might need professional guidance.

  • What is the minimum liability in my state?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered if my car is in a flood?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I have coverage when using my vehicle for my home business?
  • Can I rent a car in Mexico?
  • How can I get my company to pay me more for my totalled car?
  • Do I need PIP coverage since I have good health insurance?
  • How do I buy GAP insurance?
  • Does my car insurance cover rental cars?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage ads are enticing

Consumers constantly see and hear ads that claim the cheapest prices by Progressive, Allstate and GEICO. All the companies make an identical promise that you’ll save big if you move your insurance coverage coverage to their company.

How is it possible that every company can offer drivers better rates? This is the way they can do it.

Insurance coverage companies quote their cheapest rates for the type of driver that will be a good risk. One example of a preferred risk may be married and over the age of 30, carries full coverage, and drives less than 5,000 miles a year. Anybody who matches those parameters will probably get the lowest premium rates and will probably save if they switch.

Drivers who don’t qualify for the “perfect” profile will see higher prices which leads to the customer not buying. If you pay close attention to the ads, they say “drivers that switch” but not “everyone who gets a quote” save money. That’s the way companies can state the savings. This emphasizes why drivers must get auto insurance quotes as often as possible. It’s just too difficult to predict with any certainty which company will give you the biggest savings.

Car insurance coverage considerations

Having a good grasp of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, rock chips in glass and damage from a tornado or hurricane. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Pontiac Aztek.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage

Collision coverage pays for damage to your Aztek from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with another moving vehicle, crashing into a ditch, colliding with a tree, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like pain medications, ambulance fees and dental work. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability coverage can cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: 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 means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as structural damage, pain and suffering, legal defense fees and attorney fees. How much coverage you buy is up to you, but you should buy as large an amount as possible.

A penny earned…

Insureds who switch companies do it for any number of reasons including questionable increases in premium, high rates after DUI convictions, unfair underwriting practices and delays in paying claims. No matter why you want to switch, finding a great new company can be easier than you think.

When you buy auto insurance online, you should never reduce needed coverages to save money. In too many instances, an insured dropped liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase plenty of coverage at the lowest possible cost and still be able to protect your assets.

In this article, we covered a lot of tips how to shop for 2005 Pontiac Aztek insurance online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest prices come from a company that doesn’t do a lot of advertising.

To learn more, feel free to browse the resources below: