Compare 2001 Pontiac Aztek Car Insurance Quotes

Consumers have options when looking for the best price on Pontiac Aztek insurance. You can either waste hours contacting agents to compare prices or leverage the internet to make rate comparisons.

There is a right way and a wrong way to buy insurance coverage so you’re going to learn the quickest way to compare rates for a new or used Pontiac and get the cheapest rates.

You need to get comparison quotes yearly because insurance coverage prices are variable and change quite frequently. Just because you had the best rates on Aztek insurance last year you may be paying too much now. Forget all the misinformation about insurance coverage because you’re going to get a crash course in the things you must know in order to save on insurance coverage.

How to shop car insurance online

There are a variety of methods you can shop for car insurance and some are easier and takes less work. You can waste a lot of time talking about coverages with insurance agencies in your area, or you can stay home and use the web to get prices fast.

Many insurance companies participate in an industry program that enables customers to submit their information once, and every company then returns a price quote determined by their information. This eliminates the need for form submissions for each company you want a rate for. To use this form to compare rates click here to open in new window.

The only downside to using this type of form is that consumers can’t choose the providers you want pricing from. So if you want to choose from a list of companies to request quotes from, we have a page of companies who write car insurance in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just be sure to compare exactly the same information for each comparison quote. If you use different limits and deductibles on each one it will be nearly impossible to decipher which rate is best.

Discount car insurance rates

Car insurance is neither fun to buy or cheap, but there may be some discounts that you may not even know about. Some discounts apply automatically when you quote, but lesser-known reductions have to be specially asked for prior to receiving the credit. If you do not check that you are getting every discount you qualify for, you could be paying more than you need to.

Resident Student – Youth drivers who are attending college and leave their car at home can receive lower rates.
Discount for Life Insurance – Larger car insurance companies have a break if you buy a life policy as well.
Telematics Devices – Drivers who elect to allow data collection to scrutinize driving habits through the use of a telematics system such as Progressive’s Snapshot might see lower rates if they exhibit good driving behavior.
Passive Restraint Discount – Factory options such as air bags may get savings of more than 20%.
Federal Employees – Simply working for the federal government could cut as much as 10% off on Aztek insurance depending on your company.
New Car Discount – Buying a new car model can save up to 30% because new model year vehicles have to meet stringent safety requirements.
Early Switch Discount – Select insurance companies give a discount for renewing your policy before your current coverage expires. You could save around 10% when you buy insurance online.
Theft Prevention System – Cars and trucks equipped with tracking devices and advanced anti-theft systems can help prevent theft so companies will give you a small discount.
Claim Free – Drivers who don’t have accidents have much lower rates as compared to policyholders that have many claims.
Good Students Pay Less – Getting good grades can save 20 to 25%. Many companies even apply the discount to college students well after school through age 25.

Please keep in mind that most discount credits are not given to the overall cost of the policy. Most only reduce individual premiums such as comprehensive or collision. Despite the appearance that you could get a free car insurance policy, car insurance companies aren’t that generous. Any amount of discount will help lower the premium cost.

Popular car insurance companies and their offered discounts are detailed below.

State Farm discounts include defensive driving training, anti-theft, Drive Safe & Save, student away at school, good driver, and Steer Clear safe driver discount.
Progressive offers premium reductions for continuous coverage, homeowner, good student, online quote discount, and multi-policy.
Travelers may include discounts for continuous insurance, multi-policy, home ownership, early quote, student away at school, and new car.
American Family offers discounts for good student, early bird, bundled insurance, Steer into Savings, and air bags.
Liberty Mutual policyholders can earn discounts including hybrid vehicle, newly retired, exclusive group savings, safety features, and teen driver discount.

If you are trying to find inexpensive insurance quotes, ask every prospective company what discounts are available to you. Some of the earlier mentioned discounts may not apply in your area. To see companies offering car insurance discounts, click here to view.

Tailor your auto insurance coverage to you

When buying coverage, there is no “best” method to buy coverage. Every situation is different.

For instance, these questions could help you determine whether your personal situation may require specific advice.

How do I buy GAP insurance?
Is other people’s property covered if stolen from my vehicle?
How many claims can I have before being cancelled?
Should I waive the damage coverage when renting a car?
Can my teen driver be rated on a liability-only vehicle?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?
Should I drop comprehensive coverage on older vehicles?
Are rock chip repairs covered?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Detailed coverages of your insurance policy

Having a good grasp of your insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Auto collision coverage

This pays for damage to your Aztek resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sustaining damage from a pot hole, backing into a parked car and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for expenses for nursing services, doctor visits, rehabilitation expenses, funeral costs and hospital visits. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability coverages

This coverage provides protection from damage or injury you incur to other’s property or people that is your fault. It protects YOU from legal claims by others. 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 limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as loss of income, attorney fees, emergency aid, court costs and funeral expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

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 and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, theft and a broken windshield. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Pontiac Aztek.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits are similar to your liability insurance amounts.