9 Top Ways to Lower Pontiac Aztek Insurance Rates

Consumers have many options when looking for affordable Pontiac Aztek insurance. You can either spend your time driving around getting price quotes or utilize the internet to make rate comparisons.

There are both good and bad ways to find car insurance online so you’re going to learn the absolute fastest way to quote coverages for a new or used Pontiac and obtain the lowest possible price either online or from local insurance agents.

It’s important to get comparison quotes yearly since rates change quite often. Just because you had the best rates for Aztek coverage last year the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because you’re about to find out the fastest and easiest way to buy cheaper car insurance.

How to Compare Car Insurance

Most companies give prices for coverage online. Getting quotes doesn’t take much effort as you just type in the coverage amounts you desire as requested by the quote form. Once entered, their rating system automatically retrieves reports for credit and driving violations and generates a price determined by many factors.

This helps simplify price comparisons, but the time it takes to visit each company’s website and repetitively fill out multiple forms is repetitive and time-consuming. But it’s absolutely necessary to compare as many rates as possible if you are searching for lower prices.

A quicker way to lower your rates uses one simple form to obtain quotes from several companies at one time. The form is fast, requires less work, and makes price shopping online much easier. As soon as you send your information, your coverage is rated and you can choose any or none of the price quotes you receive.

If you find a better price you simply finish the application and purchase the new policy. The entire process can be completed in less than 10 minutes and you’ll know if lower rates are available.

To find out what other companies charge, click here to open in a new tab and fill out the form. To compare your current rates, we recommend you enter the coverages as close as possible to your current policy. Doing this assures you will be getting comparison quotes for similar coverage.

Are you getting all your discounts?

The cost of insuring your cars can be expensive, buy you may qualify for discounts that many people don’t even know exist. Certain discounts will be applied when you purchase, but lesser-known reductions have to be asked about before they will apply.

• Multiple Cars – Buying insurance for all your vehicles with the same company could earn a price break for each car.
• Safety Course Discount – Taking part in a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
• Good Student – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
• Sign Early and Save – Some insurance companies reward drivers for signing up before your current expiration date. It can save you around 10%.
• Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
• Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 20% or more.
• Low Mileage Discounts – Driving fewer miles can qualify you for discounted rates on garaged vehicles.
• Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for Aztek coverage than their less cautious counterparts.
• Homeowners Savings – Owning a house may earn you a small savings because owning a home shows financial diligence.

It’s important to understand that some credits don’t apply to the entire policy premium. Most only reduce specific coverage prices like physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, car insurance companies aren’t that generous. But any discount will bring down the amount you have to pay.

To choose insurance companies with the best car insurance discounts, click this link.

Don’t listen to company ads

Companies like Allstate and Progressive regularly use ads on television and other media. All the ads make the same claim of big savings if you move to their company. How does each company say the same thing? This is how they do it.

All companies have a preferred profile for the type of driver that earns them a profit. For example, a preferred risk might be between the ages of 30 and 50, owns a home, and has a short commute. Any driver who matches those parameters will qualify for the lowest rates and as a result will probably cut their rates substantially.

Potential insureds who don’t qualify for the requirements will have to pay more money which leads to the customer not buying. The ad wording is “customers that switch” not “everyone that quotes” save that kind of money. That’s why companies can state the savings.

Because of the profiling, you need to compare as many rates as you can. It’s not possible to predict the company that will give you the biggest savings.

Auto insurance 101

Knowing the specifics of your policy aids in choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Liability car insurance

Liability insurance provides protection from damage or injury you incur to a person or their property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover 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. You commonly see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like pain and suffering, funeral expenses, repair costs for stationary objects, bail bonds and attorney fees. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Collision coverage

Collision insurance covers damage to your Aztek caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with a tree, driving through your garage door and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Pontiac Aztek.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently these limits are similar to your liability insurance amounts.

Comprehensive insurance

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

Comprehensive insurance covers things like vandalism, damage from flooding, hitting a deer, hitting a bird and damage from a tornado or hurricane. The highest amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like rehabilitation expenses, doctor visits, funeral costs, EMT expenses and chiropractic care. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Buy online or local, you save

We just presented some good ideas how you can save on Pontiac Aztek insurance. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Drivers may discover the lowest rates come from a small mutual company.

When shopping online for car insurance, it’s a bad idea to buy poor coverage just to save money. There are many occasions where consumers will sacrifice liability coverage limits only to find out that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Drivers who switch companies do it for many reasons like not issuing a premium refund, policy cancellation, delays in paying claims and even high prices. It doesn’t matter why you want to switch finding a new company is less work than it seems.