Compare 2010 Chevrolet Aveo Insurance Rates

Finding better insurance prices for a new or used Chevy Aveo can normally be a painful process, but you can learn a few tricks to save time.

There are more efficient ways to compare auto insurance rates and we’ll show you the quickest way to get price quotes for a new or used Chevy and locate the best price possible from both online companies and local agents.

Consumers should take time to shop coverage around on a regular basis since rates change quite often. If you had the lowest price for Aveo coverage a few years ago you may be paying too much now. Forget all the misinformation about auto insurance because you’re about to find out the best methods to properly buy coverages while reducing your premium.

If you have a policy now or are shopping for new coverage, you can use this information to reduce the price you pay and still get good coverage. Buying the best car insurance coverage is simple if you know the tricks. Drivers just need to know the tricks to compare rates online.

Factors influencing Chevy Aveo insurance rates

It’s important that you understand the rating factors that help determine the price you pay for car insurance. Having a good understanding of what determines base rates helps enable you to make changes that may reward you with better car insurance rates.

  • Traffic violations increase rates – Even a single citation can increase rates by as much as thirty percent. Good drivers tend to pay less for car insurance than their less careful counterparts. Drivers who get dangerous violations like DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
  • Do you qualify for a multi-policy discount? – Most companies give discounts to people who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to compare other company rates to ensure the best deal. You may still be able to find better rates by buying car insurance from a different company.
  • Extra coverages can waste money – There are quite a few extra coverages you can purchase on your car insurance policy. Coverages for roadside assistance, better glass coverage and additional equipment coverage are some examples. They may seem like a good idea initially, but now you might not need them so eliminate them to save money.
  • Poor credit can mean higher rates – Credit rating is a large factor in calculating your car insurance rates. People with excellent credit tend to be more responsible than drivers with lower credit ratings. If your credit score can use some improvement, you could be paying less to insure your 2010 Chevrolet Aveo by improving your credit score.
  • Being married is a good thing – Being married actually saves money when buying car insurance. Having a significant other usually means you are more mature and it’s proven that married couples file fewer claims.
  • Lower rates with optional equipment – Purchasing a vehicle with a theft deterrent system can help lower your rates. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
  • Where do you drive? – Driving more miles in a year’s time the higher your rate. Almost all companies charge to insure your cars based upon how you use the vehicle. Cars and trucks that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Verify your car insurance coverage properly reflects the proper vehicle usage. If your policy improperly rates your Aveo may be costing you.

Are you getting all your discounts?

Car insurance can cost a lot, but discounts can save money and there are some available to help bring down the price. A few discounts will automatically apply when you get a quote, but a few need to be requested specifically in order for you to get them. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Lower Rates for Military – Having a family member in the military could mean lower rates.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you may save up to 20% off your total premium.
  • No Accidents – Claim-free drivers pay less as compared to accident-prone drivers.
  • Distant Student – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Chevy could be rewarded with a substantially lower rate.
  • Defensive Driver – Taking a course teaching defensive driving skills can save you 5% or more if you qualify.
  • Use Seat Belts – Requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.
  • Driver’s Ed – Require your teen driver to take driver’s ed class in school.

Keep in mind that some of the credits will not apply to the overall cost of the policy. Some only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, companies wouldn’t make money that way. Any amount of discount will bring down the cost of coverage.

Companies that may offer some of the above discounts are:

Check with every prospective company how you can save money. Some discounts may not apply in your state.

Do auto insurance companies bend the truth?

Consumers get pounded daily by advertisements for cheaper car insurance from the likes of Allstate and Progressive. They all make an identical promise about savings if you change your coverage to them.

How does each company make the same claim? This is how they do it.

Insurance companies are able to cherry pick for the type of driver that makes them money. For example, a driver they prefer might be profiled as a mature driver, has no prior claims, and has a short commute. Any new insured who meets those qualifications receives the best rates and is almost guaranteed to pay quite a bit less when switching companies.

Drivers who are not a match for the requirements will have to pay more money which leads to the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can confidently advertise the way they do.

Because of the profiling, you should get as many comparisons as possible. Because you never know the company that will fit your personal profile best.

When might I need an agent?

When it comes to choosing adequate coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine whether you will benefit from professional help.

  • Am I insured when driving a different vehicle?
  • Does liability extend to a camper or trailer?
  • What is covered by UM/UIM coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I have combined single limit or split liability limits?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Auto insurance 101

Knowing the specifics of a insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with another moving vehicle, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like rehabilitation expenses, doctor visits, dental work, X-ray expenses and ambulance fees. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Auto liability insurance

Liability insurance protects you from injuries or damage you cause to a person or their property. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as attorney fees, funeral expenses, repair costs for stationary objects, loss of income and bail bonds. How much coverage you buy is up to you, but consider buying higher limits if possible.

Comprehensive coverages

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a deer, vandalism and hail damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Chevy Aveo.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Never pay more for less

Lower-priced 2010 Chevy Aveo insurance is attainable both online and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates. Some insurance coverage companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

As you restructure your insurance plan, you should never reduce needed coverages to save money. Too many times, consumers will sacrifice uninsured motorist or liability limits and learned later that they should have had better coverage. Your goal should be to purchase plenty of coverage for the lowest price while still protecting your assets.

Consumers change insurance companies for any number of reasons including not issuing a premium refund, questionable increases in premium, policy non-renewal or even being labeled a high risk driver. Regardless of your reason for switching companies, switching insurance coverage companies can be less work than you think.

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