2009 Chevrolet Aveo Car Insurance Rates – 7 Tips for Cheaper Quotes

Consumers have options when looking for affordable Chevy Aveo insurance. They can either spend hours driving around trying to get quotes or leverage the internet to compare rates.

There is a better way to find insurance online so you’re going to learn the absolute fastest way to get price quotes on a Chevy and get the lowest price from local insurance agents and online providers.

You may qualify for discounts

Car insurance can cost a lot, but there could be available discounts that could help you make your next renewal payment. Some of these disounts will be visible at quote time, but once in a while a discount must be requested specifically prior to receiving the credit. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Active Service Discounts – Being on active deployment in the military may qualify for rate reductions.
  • Policy Bundle Discount – If you can combine your home and auto policy and insure them with the same company they may give you a discount of approximately 10% to 15%.
  • Theft Deterent System – Anti-theft and alarm system equipped vehicles can help prevent theft so companies will give you a small discount.
  • Discounts for Federal Employees – Employees or retirees of the government can save as much as 8% for Aveo coverage with a few insurance coverage companies.
  • Save with a New Car – Insuring a new car is cheaper compared to insuring an older model.
  • Life Insurance Discount – Select companies reward you with a discounted price on car insurance if you buy a life insurance policy as well.
  • No Claim Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on car insurance quote when compared with accident-prone drivers.

Discounts save money, but please remember that most credits do not apply to all coverage premiums. A few only apply to individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will reduce your overall bill.

Popular insurance coverage companies and their possible discounts are outlined below.

  • Progressive offers premium reductions for online signing, multi-vehicle, multi-policy, online quote discount, and continuous coverage.
  • GEICO policyholders can earn discounts including driver training, anti-theft, anti-lock brakes, federal employee, defensive driver, and five-year accident-free.
  • State Farm includes discounts for safe vehicle, defensive driving training, Drive Safe & Save, anti-theft, driver’s education, passive restraint, and accident-free.
  • Esurance discounts include DriveSense, paid-in-full, good student, multi-policy, and multi-car.
  • The Hartford offers discounts including vehicle fuel type, bundle, anti-theft, defensive driver, air bag, and driver training.

When comparing rates, check with each insurance company which discounts you may be entitled to. Some discounts listed above may not apply in your area. To choose companies with discount rates, click here to view.

The car insurance bait and switch

Drivers can’t escape the ads that promise big savings for switching from companies such as Allstate and Progressive. They all seem to tend to make the same promise about savings if you get a free car insurance quote and switch your coverage to them.

How does every car insurance company charge you less for auto insurance?

All the different companies require specific criteria for the type of insured that will generate a profit. For example, a driver they prefer should be between 25 and 40, owns their home, and drives a vehicle with a low ISO rating. A customer getting a price quote that meets those criteria will probably get the lowest prices and as a result will probably save if they switch.

Potential insureds who fall outside the requirements may be forced to pay a higher premium which usually ends up with business going elsewhere. If you listen to the ad wording, they say “people that switch” not “everybody who quotes” save the amount stated. That is how insurance companies can confidently make those claims.

This emphasizes why you really should do a quote comparison often. You cannot predict which company will have the lowest prices for your situation.

There’s no such thing as the perfect car insurance policy

When it comes to choosing proper insurance coverage, there really is not a best way to insure your cars. Every situation is different.

For instance, these questions might point out if your insurance needs might need an agent’s assistance.

  • Do I have newly-aquired coverage?
  • Is my nanny covered when driving my vehicle?
  • Does my personal policy cover me when driving out-of-state?
  • Are rental cars covered under my policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is motorclub coverage worth it?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Auto insurance policy coverages for a Chevy Aveo

Understanding the coverages of your auto insurance policy can help you determine the right coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

This provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Chevy Aveo.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are set the same as your liablity limits.

Collision coverage protection

Collision insurance covers damage to your Aveo from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as rolling your car, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. You can also choose a higher deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, damage from a tornado or hurricane and vandalism. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverages

Liability insurance protects you from damage or injury you incur to people or other property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things such as medical services, attorney fees, emergency aid, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as hospital visits, nursing services, X-ray expenses and prosthetic devices. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Save your cold hard cash

Consumers switch companies for a variety of reasons including lack of trust in their agent, being labeled a high risk driver, poor customer service or even an unsatisfactory settlement offer. No matter why you want to switch, finding a new company is not as hard as you think.

When you buy car insurance online, don’t be tempted to skimp on coverage in order to save money. In many cases, someone sacrificed comprehensive coverage or liability limits only to discover later that the savings was not a smart move. The proper strategy is to purchase plenty of coverage for the lowest cost but still have enough coverage for asset protection.

We just covered some good ideas how you can reduce 2009 Chevy Aveo insurance rates online. The most important thing to understand is the more quotes you get, the higher your chance of finding cheaper car insurance. You may even discover the most savings is with a small local company.

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