How Much Does 2009 Chevrolet Aveo Insurance Cost?

Are you confused by the number of car insurance options? Many other consumers are too. Drivers have so many choices that it can turn into a big hassle to locate the lowest price.

Buying car insurance is not rocket science. Basically, every driver who is shopping for insurance stands a good chance to be able to cut their insurance bill. But drivers do need to learn the methods companies use to price insurance differently because it can help you find the best coverage.

Insurance Coverage Prices

Most major insurance companies such as State Farm, Geico and Progressive give prices online. Getting quotes is pretty painless as you just type in your personal and coverage information as requested by the quote form. Behind the scenes, the system pulls your driving and credit reports and quotes a price based on many factors.

This makes comparing rates easy, but having to visit a lot of sites and type in the same information can be a bit repetitive. But it’s very important to compare as many rates as possible if you want to find a lower rate.

Isn’t there an easier way to compare rates?

The quickest way to lower your rates utilizes a single form that analyzes rates from many companies. The form is fast, helps eliminate reptitive entry, and makes price shopping online a little more enjoyable. Once the form is submitted, it is rated and you can choose any or none of the price quotes you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. This process takes 15 minutes at the most and may result in a nice savings.

If you want to find out if lower rates are available, click here to open in a new tab and complete the simple form. If you have your current policy handy, we recommend you input the limits and deductibles exactly as shown on your declarations page. This helps ensure you will have a price comparison for similar coverage.

You probably qualify for some discounts

Companies that sell car insurance don’t necessarily list all available discounts in an easy-to-find place, so we break down some of the best known and the more hidden insurance coverage savings.

  • Good Students Pay Less – This discount can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower premiums.
  • Homeowners Pay Less – Being a homeowner can save you money due to the fact that maintaining a home requires personal responsibility.
  • Bundle and Save – When you combine your home and auto insurance with the same company you may save up to 20% off your total premium.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • Auto/Life Discount – Larger companies have lower rates if you buy a life insurance policy as well.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Save over 55 – If you’re over the age of 55, you may be able to get a discount up to 10% on Aveo insurance.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.

Keep in mind that most discounts do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like you can get free auto insurance, you won’t be that lucky.

Companies who might offer these benefits include:

Double check with each insurance company what discounts are available to you. Discounts might not apply in every state.

Factors determining your Chevy Aveo insurance premium

It’s important that you understand some of the elements that play a part in calculating the price you pay for insurance. Knowing what impacts premium levels allows you to make educated decisions that can help you get lower insurance prices.

  • Increase deductibles and save – Coverage for physical damage, also known as collision and other-than-collision, protects your Chevy from damage. Some examples of claims that would be covered are colliding with a building, damage caused by hail, and windstorm damage. Deductibles for physical damage are the amount of money you are required to spend if you file a covered claim. The more expense the insured has to pay upfront, the lower your rates will be on Aveo insurance.
  • Add-on coverages can add up – There are a lot of additional coverages you can purchase on your 2009 Aveo policy. Coverages like rental car reimbursement, better glass coverage and term life insurance may be costing you every month. These coverages may sound good when you first buy your policy, but if they’re wasting money get rid of them and save.
  • Allowing your policy to lapse raises rates – Letting your insurance expire is a quick way to trigger a rate increase. And not only will your rates increase, getting caught without coverage can result in a revoked license or a big fine.You may then be required to file a SR-22 with your state department of motor vehicles.
  • Your location affects your rates – Choosing to live in small towns and rural areas can be a good thing when insuring your vehicles. Less people living in that area means fewer accidents and a lower car theft rate. Drivers in populated areas regularly have much more traffic to deal with and much longer commute distances. Higher commute times means higher likelihood of an accident.
  • Pleasure use or commuting – Driving more miles in a year’s time the higher your rates will be. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. An improperly rated Aveo can result in significantly higher rates. Make sure your insurance coverage is showing the proper vehicle usage.
  • Small claims can cost you – Car insurance companies award lower rates to people who do not rely on their insurance for small claims. If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for larger claims.
  • Do you know you’re credit rating? – Credit score is a big factor in your rate calculation. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit ratings. If your credit is low, you could be paying less to insure your 2009 Chevrolet Aveo by repairing your credit.
  • Choose a safe vehicle and save – Safer cars are cheaper to insure. Safe vehicles protect occupants better and lower injury rates means lower claim amounts and thus lower rates. If the Chevy Aveo scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.

There’s no such thing as the perfect policy

When it comes to buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether your personal situation might need an agent’s assistance.

  • Where can I find DUI or SR-22 insurance?
  • Should I carry comprehensive and collision coverage?
  • Does having multiple vehicles earn me a discount?
  • Do I need PIP coverage since I have good health insurance?
  • Is my teenager covered with friends in the car?
  • Should I put collision coverage on all my vehicles?

If you can’t answer these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance coverage breakdown

Learning about specific coverages of a insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Auto liability insurance

This coverage protects you from damages or injuries you inflict on other people or property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as pain and suffering, medical services and bail bonds. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as theft, hitting a deer, damage from getting keyed, rock chips in glass and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision insurance

Collision coverage will pay to fix damage to your Aveo resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, hitting a mailbox, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for expenses for pain medications, EMT expenses, rehabilitation expenses and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Be a money saver!

When buying insurance coverage, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced liability coverage limits only to regret at claim time that it was a big error on their part. The aim is to get the best coverage possible at the best price while still protecting your assets.

You just read many ways to get a better price on 2009 Chevy Aveo insurance. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the best price on insurance is with a small mutual company.

Drivers who switch companies do it for a number of reasons such as being labeled a high risk driver, high prices, policy non-renewal or even unfair underwriting practices. No matter why you want to switch, switching companies is not as difficult as it may seem.

Much more information about insurance can be found below: