2011 Chevrolet Aveo Car Insurance Cost – 6 Discounts for Best Prices

Searching for better car insurance rates for your Chevrolet Aveo? Locating better insurance prices for a new or used Chevy Aveo can turn out to be difficult, but you can learn the following methods to find lower rates. There are more efficient ways to compare car insurance rates so you’re going to learn the proper way to get price quotes on a Chevy and locate the lowest possible price from both online companies and local agents.

Buy auto insurance online

Performing a rate comparison can take hours if you aren’t aware of the easiest way. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you can stay home and use the internet to get rate comparisons in just a few minutes.

Many popular insurance companies belong to a marketplace where prospective buyers only type in their quote data once, and at least one company can give them a price based on the submitted data. This system prevents you from having to do quote forms to every company.

To find out how much you’re overpaying now click here (opens in new window).

The single downside to pricing coverage this way is you are unable to specify which providers to get quotes from. If you wish to select specific insurance companies for rate comparison, we put together a list of auto insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but make absolute certain that you use identical coverage information for each quote you get. If you are comparing different limits and deductibles on each one it will be nearly impossible to find the best deal for your Chevy Aveo.

Do you qualify for these six discounts?

Companies that sell car insurance don’t always advertise all possible discounts very clearly, so the list below gives a summary of both the well known in addition to some of the lesser obvious discounts that may be available.

• Fewer Miles Equal More Savings – Maintaining low annual mileage could be rewarded with discounted premium rates on garaged vehicles.
• Anti-lock Brakes – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents and will save you 10% or more.
• Use Seat Belts – Requiring all passengers to buckle up before driving can save up to 15% off PIP or medical payments premium.
• Government Employee Discount – Simply working for the federal government could qualify for a slight premium decrease for Aveo insurance with select insurance companies.
• Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them complete a driver education course if it’s offered in school.
• More Vehicles More Savings – Insuring primary and secondary vehicles on the same auto insurance policy can reduce rates for all insured vehicles.

It’s important to note that many deductions do not apply to the entire cost. Most only cut individual premiums such as comprehensive or collision. So when the math indicates adding up those discounts means a free policy, you aren’t that lucky.

A partial list of companies that may have some of the above discounts may include but are not limited to:

• American Family
• Farm Bureau
• State Farm
• Travelers
• The Hartford
• Geico
• Progressive

Before you buy a policy, ask each insurance company to apply every possible discount. All car insurance discounts might not be offered in your area. If you would like to choose from a list of auto insurance companies that offer discounts, click here.

Don’t assume everyone needs the same auto insurance coverage

When choosing coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine whether or not you could use an agent’s help.

• Is my ex-spouse still covered by my policy?
• How high should my uninsured/underinsured coverage be in my state?
• Can I pay claims out-of-pocket if I buy high deductibles?
• What discounts do I qualify for?
• When should I buy a commercial auto policy?
• When should I remove comp and collision on my 2011 Chevy Aveo?
• Does my liability insurance cover pulling a trailer or camper?
• Do I have coverage if my license is suspended?
• Are split liability limits better than a combined single limit?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Do you really save 40% when you switch?

Consumers get pounded daily by advertisements for cheaper insurance from companies such as Progressive, Allstate and Geico. They all make the same claim of big savings if you change to them.

That’s great but how can every company charge you a lower premium? It’s all in the numbers.

Different companies have strict underwriting profiles for the type of customer that is profitable for them. An example of a profitable insured might be described as between 25 and 40, has no prior claims, and drives less than 7,500 miles a year. A propective insured that matches those criteria will probably get the lowest car insurance rates and is almost guaranteed to save a lot of money.

Insureds who may not quite match these stringent criteria may be forced to pay a higher premium which leads to the customer buying from a different company. The trick companies use is to say “people that switch” not “everybody who quotes” save that much money. That’s the way companies can truthfully lure you into getting a quote. This illustrates why it is so important to compare rate quotes every year. Because without a comparison, you cannot know which insurance companies will provide you with the cheapest prices.

Specific coverages for a Chevy Aveo

Knowing the specifics of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Liability – Liability insurance provides protection from injuries or damage you cause to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers claims such as medical expenses, repair costs for stationary objects, emergency aid and medical services. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Comprehensive protection – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, falling objects and a broken windshield. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as pain medications, ambulance fees and EMT expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Chevy Aveo.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Collision coverages – This coverage covers damage to your Aveo caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like backing into a parked car, damaging your car on a curb, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Shop Smart and Save

Consumers switch companies for a variety of reasons including policy non-renewal, questionable increases in premium, lack of trust in their agent or even extreme rates for teen drivers. No matter why you want to switch, choosing a new company is less work than it seems.

We just presented a lot of ways to compare 2011 Chevy Aveo insurance premium rates online. The key thing to remember is the more providers you compare, the higher your chance of finding inexpensive auto insurance. You may be surprised to find that the best premium rates are with a small local company.

More affordable insurance coverage is available both online and from local insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers do not offer online price quotes and many times these small, regional companies prefer to sell through independent insurance agents.

More information

• How do I File a Claim? (Insurance Information Insitute)
• Red Light Cameras (State Farm)
• Young Drivers: The High Risk Years Video (iihs.org)
• Get the Right Protection (InsureUonline.org)
• Side Impact Crash Tests (iihs.org)
• Uninsured Motorist Statistics (Insurance Information Insitute)