Cheap 2005 Pontiac Aztek Car Insurance Rates

Searching for the cheapest car insurance rates for your Pontiac Aztek? Have you had enough of scraping the payment together to pay your car insurance bill each month? You’re in the same situation as many other drivers. Many auto insurance companies vie for your business, and because of this it can be hard to compare insurance companies and get the definite cheapest price

It’s smart to do rate comparisons periodically since rates change quite often. If you had the lowest price for Aztek coverage a year ago the chances are good that you can find a lower rate today. Starting now, forget all the misinformation about car insurance because it’s time to teach you the fastest and easiest way to reduce your cost while increasing coverage.

Pontiac Aztek rates influenced by many factors

Smart consumers have a good feel for the factors that help determine your insurance rates. Understanding what determines base rates helps enable you to make changes that can help you get better insurance rates.

The following are a few of the “ingredients” that factor into your rates.

  • Being married is a good thing – Having a wife or husband helps lower the price on insurance. Having a significant other means you’re more mature and responsible and it’s proven that married couples file fewer claims.
  • Liability insurance protects assets – Your policy’s liability coverage will protect you in the event that a court rules you are at fault for damages caused by your negligence. Liability insurance provides you with a defense in court up to the limits shown on your policy. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Do you need the policy add-ons? – There are many extra bells and whistles that can waste your money when buying insurance. Coverages like personal injury protection, accident forgiveness and term life insurance may be wasting your money. These coverages may sound good at first, but if they’re wasting money get rid of them and save.
  • Bump up deductibles to save – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Pontiac. A few examples of covered claims could be running into the backend of another car, vandalism, or theft. Deductibles for physical damage are how much you are willing to pay out-of-pocket if you file a covered claim. The higher the amount you have to pay, the bigger discount you will receive for Aztek coverage.
  • Your job and insurance rates – Did you know your job can affect your rates? Occupations like doctors, business owners and accountants tend to have higher rates than average due to high stress and long work hours. On the flip side, professions such as farmers, athletes and homemakers receive lower rates for Aztek coverage.
  • Tickets mean higher rates – Your driving record has a lot to do with how much you pay for insurance. Good drivers get better rates than their less careful counterparts. Even a single ticket can increase rates by twenty percent. Drivers who get dangerous violations like DWI, reckless driving or hit and run convictions may be required to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
  • One company can mean more discounts – Some insurers will give a discount to insureds who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare rates to confirm you are receiving the best rates possible.

The quickest method we recommend to compare insurance rates from multiple companies is to take advantage of the fact almost all companies have advanced systems to provide you with a free rate quote. The one thing you need to do is provide a little information like your general credit rating, the year, make and model of vehicles, distance driven, and coverage limits. Your details is automatically sent to multiple auto insurance providers and you will receive price estimates instantly to find the best rate.

To start a quote now, click here and complete the form.

Cut your premium with discounts

Car insurance companies do not advertise all their discounts very well, so here is a list some of the more common as well as the least known savings tricks you should be using. If you don’t get every credit you deserve, you are throwing money away.

  • Low Mileage – Low mileage vehicles can earn a substantially lower rate.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount for Aztek coverage depending on your company.
  • Safety Course Discount – Completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Life Insurance – Companies who offer life insurance give a break if you buy life insurance from them.
  • Resident Student – Kids in college who are attending college and do not have a car can be insured at a reduced rate.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Homeowners Pay Less – Simply owning a home can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a discount up to 10% for Aztek coverage.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, companies wouldn’t make money that way.

To see a list of insurers with the best auto insurance discounts, click here to view.

What is the best insurance coverage?

When buying proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether you may require specific advice.

  • Who is covered when they drive my 2005 Pontiac Aztek?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered when using my vehicle for business?
  • Am I covered if I drive in a foreign country?
  • What is UM/UIM insurance?
  • How does medical payments coverage work?
  • Does coverage extend to Mexico or Canada?
  • When can I cancel my policy?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Detailed coverages of your auto insurance policy

Learning about specific coverages of a auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages found on the average auto insurance policy.

Collision – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like sideswiping another vehicle, hitting a parking meter, crashing into a building and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, damage from getting keyed, hitting a bird, hitting a deer and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverages – This provides protection from damage that occurs to people or other property. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that translate to $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.

Liability insurance covers things like repair costs for stationary objects, repair bills for other people’s vehicles, bail bonds and medical expenses. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like EMT expenses, hospital visits, nursing services and funeral costs. They can be used in conjunction with a health insurance program or if you do not have health coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

UM/UIM Coverage – This gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Pontiac Aztek.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Never pay more for less

Low-cost 2005 Pontiac Aztek insurance can be found online and with local insurance agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies do not offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

When you buy insurance online, you should never buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped full coverage and discovered at claim time that the savings was not a smart move. Your strategy should be to purchase plenty of coverage for the lowest price.

More tips and info about insurance is available in the articles below: