Cheap 2004 Pontiac Aztek Insurance Rates

Feel like you have an underperforming, overpriced auto insurance policy? Don’t feel bad because there are lots of people in the same boat. Big companies like Geico and Progressive increase brand awareness with fancy advertisements and consumers find it hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.

How to find cheap insurance

There are a lot of ways to compare insurance quotes, but there is one way that is less labor-intensive and much quicker. You can spend your afternoon driving to local insurance agents in your area, or you can stay home and use online quotes to achieve your goal.

The majority of car insurance companies participate in an industry program where prospective buyers submit their information once, and every company can give them a price based on that information. This saves time by eliminating quote forms for each company you want a rate for. To fill out one form to compare multiple rates now click here (opens in new window).

The one downside to using this type of form is you can’t choose the companies you want pricing from. So if you prefer to choose specific insurance companies to compare, we have assembled a list of low cost insurance companies in your area. Click to view list.

The method you choose is up to you, but be sure to compare exactly the same coverage limits and deductibles on every quote you get. If you compare higher or lower deductibles it will be next to impossible to determine which rate is truly the best.

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Big brands don’t always mean big savings

Consumers can’t get away from ads that promise big savings from the likes of Geico, State Farm and Progressive. All the ads advertise the message that drivers will save a bundle if you get a free car insurance quote and switch to them.

How does each company say the same thing? It’s all in how they say it.

Most companies quote the lowest rates for the type of customer that will generate a profit. An example of this type of insured might be described as over the age of 45, has no tickets, and drives a safe vehicle. Any new insured who matches those parameters may get the lowest prices and will most likely save money with a new company.

Potential customers who do not meet these criteria must pay higher prices which usually ends up with the customer buying from someone else. The ad wording is “drivers that switch” but not “everyone who gets a quote” save that kind of money. That is how companies can make it sound like they have such great rates. That is why drivers must do a rate comparison at every renewal. It is just not possible to predict with any certainty which company will have better prices than you’re paying now.

Components of your Pontiac Aztek insurance premiums

Smart consumers have a good feel for some of the factors that go into determining the price you pay for auto insurance. When you understand what determines base rates, this allows you to make educated decisions that may reward you with cheaper rates.

The factors shown below are some of the most common factors auto insurance companies consider when setting prices.

• How many coverages with the same company – Many insurance companies provide a discount to clients who buy several policies from them, otherwise known as a multi-policy discount. Discounts can be five, ten or even twenty percent. Even though this discount sounds good, it’s always a smart idea to get quotes from other companies to ensure the best deal. You may still save more without the discount by insuring with multiple companies.
• Older drivers pay less – Older drivers are more cautious drivers, cause fewer claims and accidents and receive fewer citations.Inexperience drivers are proven to be inattentive and easily distracted behind the wheel therefore auto insurance rates are much higher.
• Save by driving safer vehicles – Safe vehicles tend to have better insurance rates. Highly rated vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company which can mean better rates for you. If your Pontiac Aztek earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
• Add-on coverages that aren’t used – There are a ton of extra coverages that sound like a good idea at the time when buying auto insurance. Insurance for things like coverage for rental cars, death and dismemberment, and additional equipment coverage may be costing you every month. The coverages may be enticing at first, but now you might not need them so consider taking them off your policy.
• Annual mileage and car insurance premiums – Driving more miles every year the higher your rate. Most companies rate vehicles determined by how the vehicle is used. Cars and trucks not used for work or commuting receive better premium rates compared to those used for work or business. Ask your agent if your policy shows the correct usage. An incorrectly rated Aztek can cost quite a bit.
• Rural areas have lower costs – Choosing to live in smaller towns and rural areas of the country can be a good thing when talking about auto insurance. Fewer drivers on the road means fewer accidents in addition to fewer liability claims. Residents of big cities have to deal with more auto accidents and much longer commute distances. More time on the road translates into higher accident risk.

These discounts can cut auto insurance rates

Insurance can be prohibitively expensive, but there could be significant discounts that could help you make your next renewal payment. Certain credits will be shown when you quote, but a few must be specially asked for prior to getting the savings. If you aren’t receiving every discount you deserve, you could be paying more than you need to.

• Include Life Insurance and Save – Insurance companies who offer life insurance give a discount if you purchase a life insurance policy as well.
• Discounts for Responsible Drivers – Drivers who avoid accidents can save as much as half off their rates for Aztek insurance than drivers with accidents.
• Seat Belts Save – Drivers who require all occupants to use their safety belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
• Senior Discount – Seniors may be able to get a discount up to 10% for Aztek insurance.
• ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents and will save you 10% or more.
• Active Service Discounts – Being deployed with a military unit could trigger a small discount.

You can save money using discounts, but most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

Popular auto insurance companies and some of the discounts are shown below.

• 21st Century offers discounts including air bags, early bird, driver training, homeowners, and teen driver.
• State Farm has savings for anti-theft, student away at school, multiple autos, good driver, multiple policy, accident-free, and good student.
• AAA offers premium reductions for anti-theft, multi-car, pay-in-full, education and occupation, good student, and AAA membership discount.
• Liberty Mutual offers discounts for teen driver discount, new move discount, multi-policy, preferred payment discount, and exclusive group savings.
• Progressive may have discounts that include multi-vehicle, multi-policy, continuous coverage, good student, online quote discount, homeowner, and online signing.

If you need lower rates, check with every prospective company which credits you are entitled to. Depending on the company, some discounts may not apply to policies in your area.

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When do I need an agent’s advice?

When it comes to choosing the best auto insurance coverage for your vehicles, there really is no best way to insure your cars. Each situation is unique so this has to be addressed. These are some specific questions can help discover if your situation will benefit from professional help.

• Does my insurance cover a custom paint job?
• Is my business laptop covered if it gets stolen from my vehicle?
• Do I have any recourse if my insurance company denies a claim?
• Do I need rental car coverage?
• Does my 2004 Pontiac Aztek need full coverage?
• Am I missing any policy discounts?
• Does my policy cover my teen driver if they drive my company car?
• Do I need medical payments coverage since I have good health insurance?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and can help protect your family.

Educate yourself about insurance coverages

Having a good grasp of insurance helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement. Shown next are the normal coverages available from insurance companies.

Auto liability insurance

This coverage provides protection from damage or injury you incur to other’s property or people that is your fault. It protects YOU against other people’s claims. It does not cover 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 might see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers claims such as funeral expenses, bail bonds and attorney fees. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Collision insurance

This covers damage to your Aztek resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a ditch, sideswiping another vehicle, hitting a mailbox, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses for things like chiropractic care, X-ray expenses, ambulance fees, dental work and funeral costs. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

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

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a deer, a tree branch falling on your vehicle and damage from getting keyed. 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.

In conclusion

You just learned a lot of information how to compare 2004 Pontiac Aztek insurance premium rates online. It’s most important to understand that the more times you quote, the better your comparison will be. Consumers could even find that the lowest premium rates come from the smaller companies. These companies often have lower prices on specific markets as compared to the big name companies such as Allstate or State Farm.

When you buy car insurance online, don’t be tempted to buy poor coverage just to save money. In too many instances, drivers have reduced liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at the best price but still have enough coverage for asset protection.

More information is available on the following sites:

• State Car Insurance Guides (Geico)
• How to Avoid Common Accidents (State Farm)
• Young Drivers: The High Risk Years Video (iihs.org)
• Older Drivers FAQ (iihs.org)

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