2008 Chevrolet Aveo Insurance Quotes

Trying to find cheaper car insurance rates for your Chevrolet Aveo? Nobody I know likes having to buy car insurance, in particular when the cost is too high. Insurance companies such as Allstate and Progressive increase brand awareness with TV and radio ads and it is challenging if not impossible to see past the corporate glitz and do the work needed to find the best deal.

Lower your auto insurance rates with discounts

Companies offering auto insurance don’t always advertise all disounts very clearly, so the following is a list of a few of the more well known as well as the least known savings tricks you should be using when you buy insurance online.

• Service Members Pay Less – Being deployed with a military unit could mean lower rates.
• Onboard Data Collection – Insureds who allow data collection to track vehicle usage by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if their driving habits are good.
• Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could save 15% on the premium charged for medical payments and/or PIP.
• Pay Now and Pay Less – By making one initial payment instead of paying each month you may reduce your total bill.
• Own a Home – Owning a home can earn you a little savings because of the fact that having a home demonstrates responsibility.
• Sign Early and Save – A few auto insurance companies offer discounts for switching to them prior to the expiration date on your current policy. Ten percent is about the average savings.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase auto and life insurance together.
• Club Memberships – Belonging to specific professional or occupational memberships or organizations could earn you a nice discount on your bill.
• Save with More Vehicles Insured – Having more than one vehicle on a single policy can get a discount on all vehicles.

Drivers should understand that many deductions do not apply the the whole policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Companies and a summarized list of policyholder discounts can be read below.

• American Family offers discounts including defensive driver, good driver, mySafetyValet, early bird, bundled insurance, multi-vehicle, and accident-free.
• Nationwide includes discounts for easy pay, business or organization, anti-theft, family plan, multi-policy, defensive driving, and accident-free.
• MetLife offers premium reductions for good student, good driver, multi-policy, claim-free, and accident-free.
• 21st Century policyholders can earn discounts including student driver, driver training, air bags, early bird, teen driver, and 55 and older.
• Farmers Insurance has savings for distant student, early shopping, homeowner, teen driver, and mature driver.
• Allstate offers discounts for auto/life discount, anti-lock brakes, EZ pay plan discount, good payer, new car, and farm vehicle.

If you are trying to find cheaper insurance quotes, ask all companies you are considering which credits you are entitled to. Discounts might not be offered in your area. To view insurers who offer auto insurance discounts, click here.

Compare car insurance quotes

Cutting your car insurance rates is a fairly straight forward process. The only thing you need to do is spend a little time to compare free insurance quotes to discover which company has low cost insurance quotes. This is very easy and can be done by using one of the methods below.

• The fastest way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This easy form eliminates the need for boring form submissions to each individual car insurance company. A single form gets insurance cost estimates from multiple low-cost companies.
• A more time consuming way to find more affordable insurance consists of visiting the website of each company and repeat the quote process again and again. For instance, let’s say you want to view quotes from Farmers, Allstate and American Family. To find out each rate you need to spend time on each company’s site and type in your information over and over, which is not fast way to get rate quotes. For a list of links to companies insuring cars in your area, click here.

How you compare quotes is your choice, just make sure you are using equivalent coverage information for every company. If you have different values for each quote it will be very difficult to determine the best price for your Chevy Aveo.

You are unique and your auto insurance should be too

When choosing adequate coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that may help you determine if your situation might need an agent’s assistance.

• Should I have a commercial auto policy?
• Is my 2008 Chevy Aveo covered for smoke damage?
• What is the difference between comprehensive and collision coverage?
• Should I drop comprehensive coverage on older vehicles?
• What is the ISO rating for a 2008 Chevy Aveo?
• Where can I find DUI or SR-22 insurance?
• When would I need rental car insurance?
• Am I covered when delivering products for my home-based business?
• Is rental equipment covered for theft or damage?

If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It is quick, free and can provide invaluable advice.

Specific coverage details

Knowing the specifics of a auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types offered by auto insurance companies.

Coverage for liability

This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things like attorney fees, bail bonds, court costs and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as surgery, X-ray expenses, dental work and pain medications. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a bird, theft, a broken windshield, hail damage and falling objects. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a parking meter, colliding with another moving vehicle, crashing into a ditch, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Chevy Aveo.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits are similar to your liability insurance amounts.

Buy Smart and Save

Budget-friendly auto insurance can be found both online in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies do not offer price quotes online and many times these small insurance companies only sell coverage through independent agents.

As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. There are too many instances where an insured cut liability limits or collision coverage only to find out that it was a big mistake. Your objective should be to get the best coverage possible at a price you can afford and still be able to protect your assets.

Additional learning opportunities

• Teen Driving Statistics (iihs.org)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Child Safety FAQ (iihs.org)
• Determing Auto Insurance Rates (Geico)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Auto Crash Statistics (Insurance Information Insitute)