2011 Chevrolet Aveo Car Insurance Rates

Trying to find cheaper insurance coverage rates? Buyers have many options when searching for the lowest priced Chevy Aveo insurance. You can either waste hours calling around getting price quotes or utilize the internet to make rate comparisons. There are more efficient ways to shop for insurance coverage so we’re going to tell you the proper way to quote coverages for a new or used Chevy and obtain the cheapest rates from both online companies and local agents.

It is always a good idea to get comparison quotes on a regular basis because insurance rates change frequently. Just because you had the lowest price on Aveo coverage a year ago the chances are good that you can find a lower rate today. There is too much inaccurate information about insurance coverage online but I’m going to show you some great ways to save money.

How to Get Car Insurance Comparison Quotes

Finding lower car insurance rates is actually quite simple. You just have to invest a little time comparing price quotes from different insurance companies. This can be done using a couple different methods.

  1. The most efficient way to get quotes is a comparison rater form like this one (opens in new window). This method keeps you from doing separate quotation requests for each company. A single, simple form compares rates from multiple companies. Recommended for those who want to invest the least amount of time.
  2. A more time consuming way to compare prices consists of going to each individual company website to complete a price quote. For instance, let’s say you want rates from Auto-Owners, Progressive and State Farm. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The least recommended way of getting rate comparisons is to spend your day driving to insurance agents’ offices. Shopping for car insurance online makes this process obsolete unless you require the trained guidance only provided by licensed agents. You can, however, get the lowest quotes online but still have the advice of a local agent and we’ll talk about that later.

It doesn’t matter which method you choose, just make absolute certain that you use the exact same coverage limits and deductibles on every quote. If you enter mixed coverages you will not be able to determine the best price for your Chevy Aveo.

Chevy Aveo premiums are determined by many factors

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for auto insurance. Understanding what controls the rates you pay helps enable you to make changes that will entitle you to better auto insurance rates.

The following are some of the items that factor into prices.

  • Discounts for married couples – Being married can get you a discount on your policy. Having a spouse translates into being more responsible and it’s proven that married couples file fewer claims.
  • Your credit rating is important – A driver’s credit score is a large factor in calculating your auto insurance rates. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers with lower credit scores. If your credit score is low, you could pay less to insure your 2011 Chevrolet Aveo by spending a little time repairing your credit.
  • Extra add-on coverages are wasting money – There are many extra coverages that you can get tricked into buying when buying auto insurance. Coverages for rental car reimbursement, accidental death and motor club memberships are some examples. These coverages may sound good when talking to your agent, but if you don’t need them eliminate them to save money.
  • Low deductibles can be expensive – Your deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of covered claims would be running into the backend of another car, damage from fire, or theft. The more you’re willing to pay, the bigger discount you will receive on Aveo coverage.
  • Bundling policies can get discounts – Many insurers give discounts to policyholders who carry more than one policy such as combining an auto and homeowners policy. Discounts can amount to five, ten or even twenty percent. Even if you’re getting this discount it’s still a good idea to shop around to confirm you are receiving the best rates possible.
  • Battle of the sexes – Statistics show that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. Women and men are in accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations like reckless driving and DUI.
  • Traffic citations inflate rates – Your driving citation history impacts your car insurance rates tremendously. Drivers with clean records get better rates compared to drivers with tickets. Even one speeding ticket may increase your cost by twenty percent. Drivers who have flagrant citations like hit and run, DWI or reckless driving convictions may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.

Discounts mean cheaper Chevy Aveo insurance rates

Companies don’t always list all available discounts very clearly, so we took the time to find some of the best known and the harder-to-find ways to save on insurance coverage. If you’re not getting every credit possible, you are paying more than you should be.

  • Own a Home – Simply owning a home may trigger a insurance coverage policy discount due to the fact that maintaining a home demonstrates responsibility.
  • Distant Student – Children living away from home attending college and don’t have a car can receive lower rates.
  • Low Mileage Discounts – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • No Accidents – Claim-free drivers can save substantially when compared with frequent claim filers.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less on Aveo coverage than drivers with accidents.
  • Club Memberships – Participating in a qualifying organization could qualify you for a break when buying insurance coverage on Aveo coverage.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like you could get a free insurance coverage policy, it just doesn’t work that way.

To see a list of insurers offering insurance coverage discounts, follow this link.

Tailor your coverage to you

When choosing adequate coverage, there is no single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions can help discover if your situation will benefit from professional help.

  • When should I not file a claim?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered when driving on a suspended license?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What is roadside assistance coverage?
  • How high should my medical payments coverage be?
  • Am I missing any policy discounts?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I need replacement cost coverage on my 2011 Chevy Aveo?
  • Is business property covered if stolen from my car?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Learn about car insurance coverages for a Chevy Aveo

Knowing the specifics of your car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for expenses such as nursing services, pain medications, prosthetic devices and surgery. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage – This coverage pays for damage to your Aveo caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a ditch, hitting a parking meter, colliding with another moving vehicle, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a broken windshield, hitting a deer and damage from flooding. The maximum amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverages – This coverage can cover injuries or damage you cause to people or other property. It protects YOU from claims by other people, and does not provide coverage for 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 might see values of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as medical services, emergency aid and structural damage. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Be a penny pincher

As you go through the steps to switch your coverage, it’s a bad idea to reduce coverage to reduce premium. Too many times, an accident victim reduced comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. Your strategy should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

Lower-priced 2011 Chevy Aveo insurance can be purchased from both online companies as well as from independent agents, and you should be comparing both to have the best rate selection. A few companies don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

We just presented many tips how you can reduce insurance prices online. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. You may even find the best price on car insurance is with a small mutual company.

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