2001 Pontiac Car Quotes – 6 Ways to Save

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 11, 2022

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Consumers have many options when looking for low-cost Pontiac Aztek insurance. They can either waste time driving around getting price quotes or utilize the internet to compare rates. There are more efficient ways to find insurance coverage online so you’re going to learn the absolute fastest way to quote coverages on a Pontiac and obtain the best price possible from both online companies and local agents.

Choosing the best insurance company for you is not rocket science. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these tips. Vehicle owners only need to know the proper methods to get comparison rates online.

Save big with these six discounts on Pontiac Car Quotes

Car insurance companies don’t always list every discount very well, so the following is a list of both the well known and also the lesser-known car insurance savings. If you don’t get every credit possible, you are throwing money away. Every type of car will have different discounts available.

  • Early Switch Discount – Some insurance companies reward drivers for signing up before your current expiration date. It’s a savings of about 10%.
  • Multiple Cars – Buying coverage for all your vehicles on the same car insurance policy can get a discount on all vehicles.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Discount for Life Insurance – Some companies give a break if you buy life insurance from them.
  • Multi-policy Discount – If you insure your home and vehicles with one company you may earn 10% to 20% off each policy.
  • Driver’s Ed – Have your child successfully complete driver’s ed class in school.

Drivers should understand that some credits don’t apply to your bottom line cost. Most cut the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, you won’t be that lucky.

Insurance companies who might offer these benefits are:

  • American Family
  • Farm Bureau
  • State Farm
  • Travelers
  • The Hartford
  • GEICO
  • Progressive

Double check with each company what discounts are available to you. All car insurance discounts might not be offered in every state.

But I don’t know anything about car insurance

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique.

For example, these questions can aid in determining whether you might need an agent’s assistance.

  • Can I afford to buy a different vehicle if my 2001 Pontiac Aztek is totaled?
  • Is my ex-spouse still covered by my policy?
  • Is a blown tire covered by insurance?
  • Is extra glass coverage worth it?
  • What is PIP insurance?
  • Is my 2001 Pontiac Aztek covered for flood damage?
  • Do I have newly-aquired coverage?
  • Is pleasure use cheaper than using my 2001 Pontiac Aztek to commute?
  • Does insurance cover damages from a DUI accident?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Don’t be fooled by advertising claims

Consumers can’t get away from ads that promise big savings from the likes of Progressive, Allstate and GEICO. All the ads make the same claim of big savings if you switch your coverage to them.

How can each company claim to save you money?

All companies can use profiling for the driver that is profitable for them. For example, a driver they prefer could possibly be over the age of 50, has no driving citations, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” receives the best rates and most likely will save when they switch companies.

Drivers who fall outside this ideal profile will be charged higher premiums and ends up with the customer not buying. The ad wording is “customers that switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can truthfully state the savings. That is why it’s extremely important to get as many comparisons as possible. It’s impossible to know the company that will give you the biggest savings on Pontiac Aztek insurance.

Detailed coverages of your insurance policy

Learning about specific coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Liability coverages – Liability coverage provides protection from damage that occurs to a person or their property. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like medical services, medical expenses, emergency aid, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like ambulance fees, doctor visits, surgery and funeral costs. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

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

Collision can pay for claims like colliding with another moving vehicle, sideswiping another vehicle, backing into a parked car, driving through your garage door and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, damage from getting keyed and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Save your hard earned cash

As you restructure your insurance plan, you should never buy poor coverage just to save money. In many cases, consumers will sacrifice liability limits or collision coverage and discovered at claim time that it was a big error on their part. Your goal should be to find the BEST coverage at the best price while still protecting your assets.

Cheaper 2001 Pontiac Aztek insurance can be purchased on the web and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some companies do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

Consumers change insurance companies for a variety of reasons including questionable increases in premium, lack of trust in their agent, policy cancellation and being labeled a high risk driver. It doesn’t matter what your reason, finding a new auto insurance company can be easy and end up saving you some money.

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