Cheaper 2003 Pontiac Aztek Insurance Quotes

Locating low-cost insurance for a new or used Pontiac Aztek can normally be a painful process, but you can learn a few tricks to find lower rates.

There are both good and bad ways to shop for insurance coverage so you’re going to learn the absolute fastest way to compare rates for a new or used Pontiac and locate the lowest price either online or from local insurance agents.

Smart consumers take time to quote other rates once or twice a year because insurance coverage prices fluctuate regularly. Even if you think you had the best price for Aztek insurance a couple years back you can probably find a lower rate today. There is lot of inaccurate information about insurance coverage online but we’re going to give you a bunch of ideas how to save money.

Locating affordable protection is simple if you know the tricks. If you have a policy now or are looking for a new policy, you will benefit by learning to reduce the price you pay while maximizing coverage. Drivers just need to learn the proper way to get comparison quotes on the web.

How to compare car insurance quotes

Shopping for lower car insurance rates can be challenging if you don’t know the easiest way. You could spend your day talking about coverages with agents in your area, or you could use the internet to accomplish the same thing much quicker.

Most major companies participate in an industry program where prospective buyers complete one form, and every company can give them a price determined by their information. This prevents consumers from doing quote forms for each company you want a rate for. To enter your information into the quoting system, click here (opens in new window).

The single downside to pricing coverage this way is that consumers can’t choose which carriers you will receive quotes from. If you would rather choose from a list of companies to request quotes from, we have a listing of companies who write car insurance in your area. Click to view list.

Take whichever approach you prefer, but make darn sure you compare exactly the same coverages for each price quote. If each company quotes differing limits you will not be able to find the best deal for your Pontiac Aztek.

You may qualify for discounts

Insurance is easily one of your largest bills, but you may be missing some discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you purchase, but some may not be applied and must be specifically requested before they will apply.

  • Paperwork-free – Many companies provide a small discount just for signing your application digitally online.
  • Drivers Education – Teen drivers should successfully complete driver’s ed class as it can save substantially.
  • Government Employee Discount – Simply working for the federal government can save as much as 8% for Aztek insurance with select insurance companies.
  • Homeowners Discount – Just owning your own home can get you a discount because it means you have a higher level of financial diligence.
  • Mature Driver Discount – If you’re over the age of 55, you could receive better insurance rates for Aztek insurance.
  • Discount for Good Grades – A discount for being a good student may save you up to 25%. The good student discount can last up to age 25.
  • Early Renewal Discounts – A few insurance companies offer discounts for switching policies prior to your current policy expiring. It’s a savings of about 10%.
  • One Accident Forgiven – Not a discount per se, but companies like Progressive, State Farm and Geico will let one accident slide before raising your premiums as long as you don’t have any claims for a certain period of time.
  • Air Bags and Passive Restraints – Vehicles with factory air bags or automatic seat belts may qualify for discounts of 25 to 30%.
  • Multi-line Discount – Not all insurance companies offer life insurance, but some may give you a break if you buy life insurance from them.

Don’t be surprised that most credits do not apply the the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, you aren’t that lucky.

A few of the larger companies and some of the premium reductions they offer are shown below.

  • Geico has discounts for multi-policy, defensive driver, anti-theft, seat belt use, anti-lock brakes, and military active duty.
  • Auto-Owners Insurance may have discounts that include air bags, paid in full, good student, paperless, student away at school, and multiple vehicles.
  • American Family policyholders can earn discounts including mySafetyValet, good driver, good student, air bags, defensive driver, accident-free, and TimeAway discount.
  • Esurance discounts include anti-lock brakes, paid-in-full, renters, safety device, multi-policy, online shopper, and DriveSense.
  • Progressive offers discounts including online quote discount, continuous coverage, multi-policy, homeowner, good student, multi-vehicle, and online signing.
  • State Farm offers discounts for passive restraint, Steer Clear safe driver discount, anti-theft, multiple policy, good driver, and driver’s education.
  • AAA may offer discounts for pay-in-full, good student, anti-theft, multi-car, AAA membership discount, and education and occupation.

If you need low cost car insurance quotes, ask every company which discounts you may be entitled to. Some discounts may not be available in your area. To see companies with discount insurance rates, click this link.

There’s no such thing as the perfect car insurance policy

When choosing the best car insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.

These are some specific questions could help you determine if your situation would benefit from professional advice.

  • When would I need rental car insurance?
  • Am I insured when driving a different vehicle?
  • Does coverage extend to a rental car in a foreign country?
  • Is my teenager covered with friends in the car?
  • Do I have coverage when using my vehicle for my home business?
  • Should I buy only the required minimum liability coverage?
  • Am I covered if my car is in a flood?
  • Should I have combined single limit or split liability limits?
  • What is the minimum liability in my state?
  • Am I covered when driving a rental car?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Informed drivers know how to buy insurance coverage more affordably

Multiple criteria are taken into consideration when premium rates are determined. Some factors are common sense like an MVR report, but others are less obvious such as whether you are married or your commute time.

  • Keep the miles off and save – The higher the miles on your Pontiac in a year’s time the higher your rates will be. Many insurance companies rate vehicles based on their usage. Autos that have low annual miles get more affordable rates as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your Aztek is just wasting money. Make sure your insurance coverage coverage properly reflects annual mileage, because it can save money.
  • Keep insurance claims to a minimum – If you’re an insured who likes to file claims you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance companies provide the lowest premiums to policyholders that do not abuse their auto insurance. Your car insurance is meant to be used in the event of claims that you cannot pay yourself.
  • Credit history impacts premium costs – Having a bad credit score is likely to be a major factor in determining what you pay. Therefore, if your credit history leaves room for improvement, you may save money insuring your 2003 Pontiac Aztek by repairing your credit. Insureds with very good credit scores tend to be better drivers and file fewer claims than drivers with lower credit ratings.
  • Avoid insurance coverage policy lapses – Having a lapse in insurance coverage can be a fast way to bump up your insurance coverage costs. In addition to paying higher rates, getting caught without coverage will get you a revoked license or a big fine. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.

The car insurance bait and switch

Drivers can’t avoid all the ads for cheaper car insurance by State Farm and Allstate. All the ads have a common claim of big savings just by moving your coverage.

Is it even possible that every company can save you money? Here is how they do it.

Insurance companies provide the lowest rates for a prospective insured that will be a good risk. One example of a profitable insured should be between the ages of 40 and 55, has a low-risk occupation, and drives less than 7,500 miles a year. Any driver who matches that profile will get a cheap rate quote and will save quite a bit of money when switching.

Drivers who cannot meet these standards must pay a higher rate and ends up with the prospect going elsewhere. If you pay attention, the ads say “people that switch” but not “all drivers who get quotes” will save that much if they switch. This is how companies can truthfully state the savings.

This illustrates why you really need to compare as many free car insurance quotes as you can. It’s impossible to know the company that will give you lower auto insurance rates than your current company.

Educate yourself about insurance coverages

Understanding the coverages of your policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hail damage, a tree branch falling on your vehicle, hitting a bird, vandalism and rock chips in glass. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2003 Pontiac Aztek.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical expense insurance

Med pay and PIP coverage kick in for bills like funeral costs, dental work and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision protection

This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as rolling your car, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability car insurance

This can cover damage or injury you incur to people or other property that is your fault. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like repair costs for stationary objects, pain and suffering and loss of income. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Shop Smart and Save

Low-cost 2003 Pontiac Aztek insurance is attainable on the web as well as from insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers do not provide online quoting and many times these regional insurance providers provide coverage only through independent agencies.

Insureds leave their current company for a variety of reasons including questionable increases in premium, unfair underwriting practices, not issuing a premium refund or even policy cancellation. Regardless of your reason, switching companies is easier than you think.

In this article, we presented many tips how you can reduce 2003 Pontiac Aztek insurance premium rates online. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the best premium rates are with a small mutual company.

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