Three Steps to Paying Less for Pontiac Aztek Insurance
If buying car insurance was fun, we'd do it as a recreational sport. But it's actually not a real enjoyable process for the majority of people and we always seem to end up paying too much. Finding insurance for your Pontiac Aztek that you can actually afford is probably no different.
Step One: Insurance Quotes
The antiquated method of shopping for car insurance included a high pressure visit to the office of your local insurance agent. Thanks to the internet, insurance shopping is a whole lot easier!
Comparing insurance rates for a Pontiac Aztek only require you to enter your information once. You'll receive multiple quotes and can easily compare rates.
To start saving, have your current policy handy and click the link below. Our short form makes it easy to enter your information and compare rates.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your Aztek is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: Best Ways to Lower your Aztek Insurance Cost
Once you have quotes in hand, you can then consider some of the other techniques for lowering your Aztek insurance rates.
- Check your credit rating each year and address any problem areas. Higher credit scores mean lower car insurance rates.
- If you're willing to shoulder more of the cost at claim time, consider raising your comprehensive and collision deductibles. This can easily cut 30% or more from your policy premium.
- If you have tended to file small claims with your car insurance company in the past, you're most likely going to pay higher premiums in the future. Consider paying minor claims out-of-pocket instead of blemishing your claim history.
- If you belong to a professional organization for your employment, you may qualify for a discount rate. And if you're a senior citizen, you may get a discount for your age as well.
- One of the easiest ways to keep your rates down is to drive safe. One speeding ticket can boost your rates for three years.
- Successfully completing a driver's training class can help lower your rates if your insurance company offers that discount.
- If you have a period where you don't have any insurance coverage, that's called a lapse. The longer the lapse, the more you'll pay to reinstate coverage.
- If your vehicle comes with safety features such as electronic stability control, head restraints, all-wheel drive or air bags, these all help keep insurance costs down by helping reduce accident injuries.
- Auto theft is a big problem that costs us all money, but if your car is on the list of the most frequently stolen autos, you might be paying a little extra because of the temptation to thieves.
- If your insurance company allows driver-specific car rating, you can save money by rating any teenage drivers on low profile vehicles with either no physical damage coverage or very high deductibles.
- Renting a house or apartment rather than owning a home may keep you from paying the lowest rates on car insurance. Home ownership is viewed as being more financially responsible than renting.
Step Three: Bind Coverage and Cancel your Old Policy
Purchasing an insurance policy is more than just clicking a button. You need to have funds available to make payment and you need to be sure that the coverages are adequate for your personal situation.
If you didn't have a prior policy, then you can make the new policy effective any time. But if you're moving bewteen companies and don't want a lapse in coverage, make sure the effective date of the new policy is exactly the same as the cancellation date of the old policy.
If you already have a car insurance policy, then your Pontiac Aztek will be covered as soon as your purchase it. If this is your first vehicle, you will want to make sure you have coverage in place as soon as your purchase it. Be sure to have a new policy ready to go if you are buying a new Aztek. If you've never had car insurance or don't have a policy now, you won't have any protection on the vehicle until you add it to your policy.
All states require you to keep the proof-of-insurance or financial responsibility card in your vehicle at all times. Failure to produce this document can result in a citation. An SR-22 filing may be required by your state's DMV if you've been convicted of a serious driving offense such as DUI, DWI or reckless driving. If this applies to you, make sure the car insurance company complies with the SR-22 requirement.
Car Insurance Resources
The Insurance Information Institute is the industry authority for consumer car insurance information.
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