2007 Chevrolet Aveo Insurance Quotes

If you’re searching for cheaper insurance on the web, are you frustrated by the crazy number of insurance choices that you can choose from? Drivers have so many choices that it can be a difficult situation to find the best premium rates.

Discounts for lower-cost insurance rates

Insurance is expensive, but you may be missing some discounts that can help lower your rates. A few discounts will automatically apply when you quote, but a few need to be inquired about before being credited.

  • Student in College – College-age children who are enrolled in a college that is more than 100 miles from home and do not take a car to college could get you a discount.
  • Early Renewal Discounts – A few insurance companies give discounts for buying a policy before your current expiration date. It’s a savings of about 10%.
  • Own a Home and Save – Just being a homeowner may trigger a policy discount on insurance due to the fact that maintaining a home requires personal responsibility.
  • Discounts for Multiple Vehicles – Buying a policy with several vehicles on a single policy can get a discount for every vehicle.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents so you can save 10 percent or more.

You should keep in mind that most discount credits are not given to your bottom line cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, it’s just not the way it works. But any discount will definitely lower the premium cost.

A few of the larger companies and some of the discounts are included below.

  • State Farm offers discounts including safe vehicle, good driver, driver’s education, accident-free, and defensive driving training.
  • Progressive policyholders can earn discounts including multi-policy, continuous coverage, multi-vehicle, online signing, homeowner, and good student.
  • Progressive may include discounts for good student, continuous coverage, multi-vehicle, multi-policy, and online signing.
  • MetLife has savings for accident-free, good student, good driver, defensive driver, multi-policy, and claim-free.
  • Farm Bureau may offer discounts for youthful driver, multi-vehicle, driver training, good student, safe driver, and 55 and retired.
  • GEICO offers discounts for multi-vehicle, emergency military deployment, daytime running lights, defensive driver, military active duty, and driver training.
  • SAFECO discounts include teen safety rewards, multi-car, safe driver, teen safe driver, anti-theft, homeowner, and drive less.

Check with every prospective company which discounts can lower your rates. All car insurance discounts may not apply to policies in your area. If you would like to see a list of insurance companies who offer cheap insurance quotes, click this link.

How to buy insurance

Effectively comparing insurance prices is a ton of work if you don’t know the easiest way. You could waste time discussing policy coverages with insurance agencies in your area, or you could save time and use online quotes to get pricing more quickly.

Many companies take part in a program that allows shoppers to submit their information once, and each participating company can give them a price based on that data. This system prevents you from having to do repetitive form submissions to every company.

To use this form to compare rates click to open in new window.

One minor caviat to using this type of form is you cannot specify which companies you will receive quotes from. If you wish to select specific providers to compare rates, we have a page of companies who write insurance in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but do your best to use apples-to-apples coverage information on every quote you get. If you use different values for each quote then you won’t be able to determine which company has the best rates. Quoting even small variations in limits could mean much higher rates. Just remember that comparing more quotes helps improve the odds of finding the best offered rates. Some insurance companies are not set up to provide price estimates online, so it’s important to also get price quotes from them as well.

How you can control Chevy Aveo insurance costs

Many different elements are used when quoting car insurance. Some factors are common sense like an MVR report, but other factors are more transparent like your continuous coverage or how financially stable you are.One of the most helpful ways to save on insurance is to to have a grasp of a few of the rating criteria that are used to determine your policy premiums. If you know what impacts premium levels, this enables you to make decisions that can help you get lower premium levels.

  • Pay lower prices if you’re married – Having a spouse may save some money on insurance. Having a spouse translates into being more financially stable and it’s proven that married drivers tend to have fewer serious accidents.
  • Higher prices for high stress occupations – Occupations like military generals, social workers and accountants tend to pay higher premium rates due to job stress and extremely grueling work hours. On the other hand, occupations such as professors, engineers and homemakers receive lower rates for Aveo insurance.
  • Older drivers pay less – Teenage drivers have a tendency to be more careless when at the wheel of a vehicle so insurance rates are higher. Mature drivers are shown to be more cautious, tend to file fewer claims .
  • How much liability – Your policy’s liability coverage kicks in if a court rules you are at fault for damages caused by your negligence. Your policy’s liability insurance provides legal defense which can cost a lot. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
  • High coverage deductibles equal low rates – Physical damage insurance, aka comp and collision, covers damage that occurs to your Chevy. Some examples of claims that would be covered are running into the backend of another car, collision with an animal, or theft. Comp and collision deductibles tell how much you are required to pay in the event of a claim. The more of the claim you are required to pay out-of-pocket, the lower your rates will be for Aveo insurance.
  • Credit rating impacts prices – Having a good credit score will be a significant factor in determining premium rates. If your credit score can use some improvement, you could be paying less to insure your 2007 Chevrolet Aveo by spending a little time repairing your credit. Consumers who have excellent credit scores tend to file fewer claims than drivers who have lower credit ratings.
  • Consolidate policies and save money – Some companies allow discounts to clients who have multiple policies with them. It’s known as a multi-policy discount. Even with this discount, you may still want to compare rates to confirm you are receiving the best rates possible.
  • City dwellers may pay more – Living in a small town has definite advantages when trying to find low car insurance rates. Drivers in populated areas tend to have congested traffic and higher rates of accident claims. Less people corresponds to lower accident rates and a lower car theft rate.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different.

For example, these questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Do I really need UM/UIM coverage?
  • How many claims can I have before being cancelled?
  • Can I get a multi-policy discount?
  • Does liability extend to a camper or trailer?
  • When do I need to add a new car to my policy?
  • When should I buy a commercial auto policy?
  • Is my 2007 Chevy Aveo covered for flood damage?
  • What are the best liability limits?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverage companies are expert advertisers

State Farm and Allstate consistently run ads on TV and radio. All the ads advertise the message that drivers will save a bundle if you switch your insurance coverage policy to them. It sounds good, but how can they all cost less than your current company? It’s all in the wording.

Insurance coverage companies quote their best rates for the type of driver that will add to their bottom line. One example of a desirable insured might have to be over the age of 35, carries high limits, and drives a car with an anti-theft system. Any new insured who matches that profile will probably get cheap rates and as a result will probably save if they switch.

Potential insureds who may not quite match those criteria will probably have to pay a higher premium which results in the customer not buying. If you pay attention, the ads say “drivers who switch” not “everyone that quotes” save that much money. That is how companies can make the claims of big savings. Because of the profiling, drivers must compare free insurance coverage quotes often. It’s impossible to know which insurance coverage company will have the lowest rates.

The coverage is in the details

Understanding the coverages of your policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sideswiping another vehicle, colliding with another moving vehicle and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Aveo.

Due to the fact that many drivers have only the minimum liability required by law, 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.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix 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 bird, damage from getting keyed, theft, vandalism and a tree branch falling on your vehicle. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for bills like hospital visits, funeral costs and nursing services. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Auto liability insurance

Liability coverage provides protection from damages or injuries you inflict on people or other property. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like pain and suffering, funeral expenses, attorney fees and medical services. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

One last thing about your coverage

Low-cost 2007 Chevy Aveo insurance can be purchased from both online companies and from local insurance agents, and you should compare rates from both in order to have the best chance of saving money. There are still a few companies who do not provide the ability to get quotes online and these small, regional companies only sell coverage through local independent agents.

When getting insurance coverage quotes online, it’s very important that you do not skimp on coverage in order to save money. There are many occasions where an accident victim reduced full coverage only to regret they didn’t have enough coverage. Your aim should be to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.

Consumers who switch companies do it for any number of reasons including policy non-renewal, delays in paying claims, being labeled a high risk driver or not issuing a premium refund. Whatever your reason, choosing a new company can be pretty painless.

Helpful learning opportunities