2006 Chevrolet Aveo Insurance Quotes

Searching for the cheapest insurance coverage rates for your Chevrolet Aveo? Are you tired of not being able to afford to keep your car insured? You have the same problem as the majority of other vehicle owners. There is such a variety of auto insurance companies to choose from, and although it’s nice to have multiple companies, more choices can make it harder to compare rates and find the lowest cost insurance coverage.

Pricing the cheapest auto insurance coverage is simple if you know the tricks. If you have a policy now or need a new policy, you can learn to cut your premiums and still get good coverage. Drivers just need to understand the best way to buy auto insurance online.

Car insurance quotes comparison

Finding a better price on car insurance is surprisingly easy. All you need to do is take a couple of minutes comparing rate quotes to find the company with low cost insurance quotes. It is quite easy and can be accomplished in several different ways.

1. The best way to get quotes is to use a rate comparison form (click to open form in new window). This form keeps you from doing a different quote for every car insurance company. Taking the time to complete one form gets coverage cost estimates from multiple low-cost companies.
2. A less efficient way to find better pricing consists of visiting the website for every company you want to comare and go through the quote process again. For sake of this example, let’s assume you want to get rates from State Farm, Geico and Liberty Mutual. You would be required to visit each site and enter your information, which is why first method is reommended. For a list of links to companies insuring cars in your area, click here.

The approach you take is up to you, just be sure you’re using the same coverages for each price quote. If you compare different limits and deductibles on each one it’s impossible to truly determine the lowest rate.

Four things that influence your insurance costs

Multiple criteria are taken into consideration when pricing auto insurance. Some factors are common sense like your driving record, but other factors are not quite as obvious such as your credit history or how safe your car is.An important part of buying insurance is that you know some of the factors that aid in calculating your policy premiums. When consumers understand what determines base rates, this helps enable you to make changes that may reward you with lower premium levels.

• Low stress vocation equals lower prices – Do you work in a high-stress field? Jobs like real estate brokerspolice officers and emergency personnel tend to pay higher rates than average in part from high stress and incredibly demanding work hours. Conversely, careers like scientists, students and the unemployed have lower than average premiums on Aveo insurance.
• Cheaper prices using GPS tracking and theft deterrents – Owning a car with a theft deterrent system can help lower your rates. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent auto theft.
• Liability protection safeguards assets – The liability coverage on your policy will protect you if you are found to be at fault for an accident. Liability provides legal defense up to the limits shown on your policy. Liability insurance is pretty cheap as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
• Credit score impacts premium costs – Your credit score is likely to be a major factor in calculating your insurance rates. Drivers with high credit ratings tend to be better risks to insure than those with bad credit. So if your credit history is lower than you’d like, you could be paying less to insure your 2006 Chevrolet Aveo by improving your credit score.

Are you receiving every discount?

Insurance is easily one of your largest bills, but you can get discounts that you may not even know about. Some trigger automatically when you purchase, but some need to be specially asked for in order for you to get them.

• Buy New and Save – Buying a new car instead of a used car can get you a discount due to better safety requirements for newer vehicles.
• Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted price on car insurance if you buy a life policy as well.
• Military Rewards – Being on active deployment in the military may qualify for rate reductions.
• Telematics Discount – Drivers who agree to allow companies to monitor when and where they use their vehicle remotely such as State Farm’s In-Drive may see discounts if they show good driving skills.
• Discounts for Federal Employees – Active or former government employment could cut as much as 10% off on Aveo insurance with select insurance companies.
• E-sign Discounts
• Sign Early and Save – Select companies give a discount for switching policies before your current expiration date. You could save around 10% when you buy insurance online.
• Anti-theft Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10% off your insurance quote.
• Policy Bundle Discount – If you can bundle your homeowners and auto insurance and insure them with the same company they may give you a discount of at least 10 to 15 percent or more.
• Safety Course Discount – Passing a driver safety course could earn you a small percentage discount if your company offers it.

You should keep in mind that most of the big mark downs will not be given to all coverage premiums. Most cut the cost of specific coverages such as comprehensive or collision. Even though it appears having all the discounts means you get insurance for free, insurance companies aren’t that generous.

To view insurers who offer online insurance quotes, click here to view.

When in doubt talk to an agent

When it comes to choosing the best insurance coverage coverage, there isn’t really a one size fits all plan. Every situation is different so this has to be addressed. For instance, these questions could help you determine if you might need an agent’s assistance.

• Can I make deliveries for my home business?
• How much liability do I need to cover my assets?
• I have good health insurance, so how much medical payments coverage do I need?
• What happens if I owe more than my 2006 Chevy Aveo is worth?
• Do I pay less for low miles?
• Can I get a multi-policy discount?
• Is upholstery damage covered by car insurance?
• Are my friends covered when driving my car?
• How much underlying liability do I need for an umbrella policy?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverage information

Learning about specific coverages of insurance helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring. These are typical coverage types available from insurance companies.

Comprehensive auto coverage – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, rock chips in glass, hitting a bird, theft and a broken windshield. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Aveo.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Collision coverages – Collision insurance pays for damage to your Aveo resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a building, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Liability auto insurance – This coverage protects you from damages or injuries you inflict on other people or property. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

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 liability limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things such as structural damage, bail bonds, attorney fees and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as X-ray expenses, doctor visits and hospital visits. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Be a money saver!

You just read some good ideas how you can lower your 2006 Chevy Aveo insurance premium rates. The key concept to understand is the more rate quotes you have, the better your comparison will be. Consumers could even find that the lowest premium rates are with some of the smallest insurance companies. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, Geico and Progressive.

When buying insurance coverage, make sure you don’t reduce needed coverages to save money. There are a lot of situations where an insured dropped uninsured motorist or liability limits to discover at claim time they didn’t purchase enough coverage. The aim is to buy enough coverage for the lowest price, but do not skimp to save money.

To read more, feel free to visit these articles:

• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)
• Frontal Crash Tests (iihs.org)