Compare 2002 Pontiac Aztek Car Insurance Rates

Tired of trying to scrape together enough money to pay car insurance each month? Your situation is no different than millions of other people. Many car insurance companies vie for your insurance dollar, so it’s not easy to compare every insurer and get the best coverage at the best price available.

It’s smart to price shop coverage at least once a year due to the fact that insurance prices go up and down regularly. Despite the fact that you may have had the best price on Aztek coverage a year ago there may be better deals available now. Ignore everything you know about car insurance because we’re going to show you the right way to save on car insurance.

Get cheaper insurance premiums by understanding these factors

Multiple criteria are considered when pricing auto insurance. A few of the factors are predictable such as your driving history, but others are less apparent such as your credit history or your financial responsibility.

• Policy add-ons may be wasting money – Policies have extra coverages that you can buy but may not be useful. Coverage for things like vanishing deductibles, towing coverage, and motor club memberships could be just wasting money. They may sound like good ideas initially, but your money might be better spent on other coverage so remove them from your policy.
• Low stress vocation equals lower premiums – Occupational choices like military generalsairline pilots and accountants generally have higher average rates attributed to job stress and long work days. On the other hand, occupations like professors, athletes and retirees pay lower than average rates on Aztek coverage.
• Keep insurance rates low by being claim-free – Companies generally give the best rates to drivers who only file infrequent claims. If you are a frequent claim filer, you can definitely plan on much higher rates or policy non-renewal. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
• Always keep your policy in place – Driving without insurance is illegal and companies may charge more for letting your insurance lapse for non-payment. In addition to paying higher rates, being ticketed for driving with no insurance could earn you a hefty fine and possibly a revoked license. You may need to prove you have insurance by filing a SR-22 with your state DMV.
• Location can influence price – Choosing to live in less populated areas of the country can be a good thing when it comes to insurance. People who live in big cities have to deal with more auto accidents and much longer commute distances. Fewer people translates into fewer accident claims in addition to lower liability claims
• Annual mileage and car insurance prices – The more you drive annually the more you will pay for insurance. Most companies calculate rates based upon how much you drive. Vehicles that are left in the garage get more affordable rates than cars that get driven a lot. Ask your agent if your declarations sheet states how each vehicle is driven. Incorrect rating for your Aztek is just wasting money.

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Take advantage of every car insurance discount

Some companies don’t always advertise all disounts very well, so below is a list some of the best known and also the more inconspicuous car insurance savings.

• Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS braking systems or traction control are much safer to drive and the ABS can save up to 10%.
• Buy New and Save – Insuring a vehicle that is new can be considerably cheaper since new vehicles are generally safer.
• Government Employee Discount – Active or former government employment can earn a discount up to 10% on Aztek coverage but check with your company.
• No Charge for an Accident – Not necessarily a discount, but companies like Geico, Progressive, and Allstate will turn a blind eye to one accident before raising your premiums as long as you don’t have any claims prior to being involved in the accident.
• Own a Home and Save – Just being a homeowner may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
• College Student Discount – Children who live away from home to go to college and don’t have a car could get you a discount.
• E-sign Discounts – Some insurance companies may give you up to $50 for completing your application on the internet.
• Bundled Policy Discount – If you insure your home and vehicles with the same company you could earn a discount of approximately 10% to 15%.
• No Claims – Drivers who don’t have accidents can save substantially when compared to drivers who are more careless.

We need to note that most discount credits are not given to the overall cost of the policy. The majority will only reduce specific coverage prices like collision or personal injury protection. Despite the fact that it seems like all the discounts add up to a free policy, it just doesn’t work that way. Any qualifying discounts will positively reduce your policy premiums.

Popular car insurance companies and their offered discounts include:

• Geico policyholders can earn discounts including military active duty, multi-vehicle, daytime running lights, good student, and multi-policy.
• MetLife offers discounts including multi-policy, good student, accident-free, defensive driver, claim-free, good driver
• State Farm has discounts for multiple autos, passive restraint, Drive Safe & Save, Steer Clear safe driver discount, student away at school, safe vehicle, and anti-theft.
• Progressive discounts include good student, online quote discount, multi-policy, homeowner, and multi-vehicle.
• Mercury Insurance has savings for good student, accident-free, annual mileage, professional/association, and ease of repair.
• 21st Century offers discounts for student driver, driver training, early bird, defensive driver, automatic seat belts, 55 and older, and homeowners.
• Allstate offers premium reductions for new car, anti-theft, premier plus, FullPay discount, good payer, early signing, and multi-policy.

When getting a coverage quote, ask every prospective company how you can save money. Some of the discounts discussed earlier might not apply in your area. To view providers who offer car insurance discounts, click here to view.

How to know if you need help

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that For example, these questions might help in determining if you might need professional guidance.

• Do I have any recourse if my insurance company denies a claim?
• Why does it cost so much to insure a teen driver?
• Are split liability limits better than a combined single limit?
• Do I need added coverage for expensive stereo equipment?
• Does my policy cover me when driving someone else’s vehicle?
• Can I afford to pay high deductible claims out of pocket?
• Why am I required to buy liability insurance?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Auto insurance specifics

Knowing the specifics of your auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are the normal coverages offered by auto insurance companies.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like hospital visits, chiropractic care and pain medications. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability

This provides protection from damage that occurs to other people or property that is your fault. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for things such as medical services, repair costs for stationary objects and bail bonds. How much coverage you buy is a personal decision, but buy higher limits if possible.

Comprehensive coverages

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, falling objects, vandalism, fire damage and damage from getting keyed. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision insurance

This coverage will pay to fix damage to your Aztek caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like rolling your car, backing into a parked car, hitting a mailbox, sustaining damage from a pot hole and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Pontiac Aztek.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

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Shop. Compare. Save.

As you restructure your insurance plan, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage at the lowest possible cost while still protecting your assets.

In this article, we presented quite a bit of information on how to compare 2002 Pontiac Aztek insurance rates online. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting inexpensive car insurance. You may even discover the most savings is with a company that doesn’t do a lot of advertising. Some small companies often have lower car insurance rates on specific markets compared to the large companies like Progressive and Geico.

Other resources

• Things to Know Before you Cancel Insurance (Allstate)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Auto Insurance 101 (About.com)
• How to Avoid Staged Accidents (State Farm)
• Older Driver Statistics (Insurance Information Insitute)

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