2005 Pontiac Aztek Insurance Rates – 5 Tips to Save

Looking for cheaper insurance coverage rates for your Pontiac Aztek? No normal person likes having to buy insurance coverage, in particular when the cost is way too high. Insurance companies such as State Farm, Progressive and Geico continually hit you with TV and radio ads and it is challenging if not impossible to ignore the promise of big savings and find the best price available.

It’s a good idea to get comparison quotes as often as possible because insurance coverage rates are adjusted regularly by insurance companies. Even if you think you had the best premium rates for Aztek insurance last year a different company probably has better prices today. Forget anything you know (or think you know) about insurance coverage because you’re going to get a crash course in one of the quickest ways to find lower rates on insurance coverage.

If you have insurance now or are shopping for new coverage, you can follow these tips to find the best rates and possibly find even better coverage. Finding affordable coverage is easy if you know what you’re doing. Vehicle owners only need to know how to compare price quotes over the internet.

Five discounts for affordable auto insurance rates

Some insurance providers don’t always publicize the entire discount list in a way that’s easy to find, so the following list contains a few of the more common and the more hidden credits that may apply to you. If you’re not getting every credit you qualify for, it’s possible you qualify for a lower rate.

  • Active Military Service – Being deployed in the military could qualify you for better rates.
  • Renewal Discounts – Some larger companies give discounts for switching policies before your current expiration date. It could save around 10% when you buy insurance online.
  • Paper-free Discount – Some auto insurance companies will give you a small discount shop insurance online.
  • Buy New and Save – Buying insurance coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • Discounts for Cautious Drivers – Safe drivers can save as much as half off their rates for Aztek insurance than drivers with accident claims.

Remember that most credits do not apply to all coverage premiums. Some only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

A few popular companies and a partial list of their discounts are:

  • Farm Bureau policyholders can earn discounts including youthful driver, 55 and retired, multi-policy, driver training, safe driver, and multi-vehicle.
  • Liberty Mutual has discounts for newly married, preferred payment discount, safety features, multi-policy, and multi-car.
  • State Farm offers premium reductions for student away at school, anti-theft, driver’s education, multiple autos, Drive Safe & Save, and good student.
  • Auto-Owners Insurance may offer discounts for student away at school, mature driver, anti-theft, multi-policy, safe driver, paperless, and teen driver.
  • Geico may have discounts that include emergency military deployment, membership and employees, five-year accident-free, multi-policy, anti-theft, anti-lock brakes, and air bags.
  • SAFECO may include discounts for teen safety rewards, multi-car, teen safe driver, homeowner, safe driver, and accident prevention training.

When getting free insurance quotes, it’s a good idea to each company or agent to give you their best rates. Some discounts may not apply in your area. To view companies who offer auto insurance discounts, click here.

You may need specialized insurance coverage coverage

When buying proper insurance coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions can aid in determining if you will benefit from professional help.

  • How high should my uninsured/underinsured coverage be in my state?
  • Exactly who is provided coverage by my policy?
  • Are rental cars covered under my policy?
  • Does coverage extend to my business vehicle?
  • Can I afford low physical damage deductibles?
  • Should I rate my 2005 Pontiac Aztek as pleasure use or commute?
  • Is my babysitter covered when using my vehicle?
  • Am I covered when driving someone else’s vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • How can I find cheaper teen driver insurance?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Can you really save if you switch?

Drivers can’t avoid all the ads that promise big savings for switching by State Farm, Allstate and Geico. All the companies make the point of big savings after switching your coverage.

How do they all make almost identical claims? Just pay attention to how they say it.

Insurance coverage companies are able to cherry pick for a prospective insured that makes them money. An example of a preferred risk should be between the ages of 30 and 45, has had continuous coverage, and has a short commute. Anyone that fits those parameters is entitled to the best price as well as save a lot of money.

Consumers who fall outside this ideal profile may be required to pay higher rates and the customer not purchasing. If you pay close attention to the ads, they say “drivers that switch” not “everyone who quotes” save that much when switching. This is how companies can truthfully make those statements.

Because every company is different, you absolutely need to compare price quotes frequently. You cannot predict which insurance coverage company will have the lowest rates.

Insurance specifics

Understanding the coverages of a insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on most insurance policies.

Liability auto insurance

Liability insurance can cover damage or injury you incur to other people or property that is your fault. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims like legal defense fees, court costs, loss of income, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Uninsured and underinsured coverage

This coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2005 Pontiac Aztek.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages do not exceed the liability coverage limits.

Comprehensive coverages

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from a tornado or hurricane, damage from getting keyed, a broken windshield, falling objects and hitting a deer. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

Collision insurance covers damage to your Aztek resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a ditch, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses for prosthetic devices, hospital visits, X-ray expenses, funeral costs and doctor visits. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Knowledge is power

When trying to cut insurance costs, never buy less coverage just to save a little money. Too many times, consumers will sacrifice liability coverage limits only to discover later that the savings was not a smart move. Your goal should be to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.

In this article, we covered some good ideas how to get a better price on 2005 Pontiac Aztek insurance. It’s most important to understand that the more times you quote, the better likelihood of getting low cost insurance. You may be surprised to find that the best car insurance rates are with a lesser-known regional company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

Additional insurance coverage information is available at these links: