2010 Chevrolet Aveo Insurance Quotes – 5 Tips for Cheaper Rates

Want cheaper insurance rates for your Chevrolet Aveo? Trying to find cheaper insurance for a new or used Chevy Aveo can be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to compare insurance rates and you need to know the proper way to quote coverages for a Chevy and locate the best price possible either online or from local insurance agents.

Buy car insurance online

The majority of larger companies provide insurance quotes from their websites. Obtaining pricing can be done by anyone because it’s just a matter of typing in into the quote form. When the form is submitted, their rating system automatically retrieves your driving record and credit report and generates pricing information based on many factors.

Being able to quote online helps simplify price comparisons, but the time it takes to visit many different websites and type in the same information is not the best way to spend an afternoon. But it’s also necessary to get many rate quotes in order to get lower prices.

The better way to compare rates

The quickest way to locate the lowest prices makes use of a single form that gets price quotes from many companies. It saves time, reduces the work, and makes quoting online a little more enjoyable. After your information is entered, it is quoted with multiple companies and you can pick any of the price quotes you receive.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. It can be completed in a matter of minutes and could lower your rates considerably.

If you want to compare pricing, simply click here to open in new window and enter your information. To compare your current rates, we recommend you complete the form with deductibles and limits as shown on your current policy. Doing this assures you will receive a fair comparison based on similar coverages.

Insurance discounts help slash rates

Car insurance can cost a lot, but discounts can save money and there are some available that can help lower your rates. Certain credits will be shown when you complete an application, but occassionally some discounts must be specially asked for prior to getting the savings.

• More Vehicles More Savings – Buying a policy with all your vehicles on one policy can get a discount for every vehicle.
• Good Student – Performing well in school may save as much as 25% on a insurance quote. The good student discount can last well after school through age 25.
• Pay Upfront and Save – By making one initial payment instead of paying each month you could save up to 5%.
• Bundle and Save – If you combine your auto and home policies with one insurance company they may give you a discount of at least 10% off all policies.
• Senior Discount – Drivers that qualify as senior citizens may be able to get reduced rates for Aveo coverage.

Policy discounts save money, but most discounts do not apply to the entire cost. Most only reduce the cost of specific coverages such as comp or med pay. Despite the fact that it seems like you can get free auto insurance, companies don’t profit that way.

The best insurance companies and a partial list of their discounts can be read below.

• Farm Bureau includes discounts for good student, renewal discount, safe driver, multi-policy, and youthful driver.
• Liberty Mutual may offer discounts for safety features, exclusive group savings, newly married, multi-car, and multi-policy.
• State Farm has savings for good student, safe vehicle, driver’s education, good driver, accident-free, and Steer Clear safe driver discount.
• Auto-Owners Insurance offers discounts for safe driver, air bags, teen driver, group or association, and anti-lock brakes.
• Geico offers discounts including defensive driver, five-year accident-free, military active duty, anti-lock brakes, membership and employees, good student, and federal employee.
• SAFECO may include discounts for drive less, safe driver, anti-lock brakes, multi-car, and accident prevention training.

When getting a coverage quote, ask each company or agent which discounts can lower your rates. Some discounts listed above may not apply to policies in your area. To locate providers who offer free insurance quotes, click here.

Which is the best insurance coverage?

When it comes to buying coverage for your personal vehicles, there is no single plan that fits everyone. Each situation is unique.

For example, these questions may help highlight if you would benefit from an agent’s advice.

• Can I afford to pay high deductible claims out of pocket?
• What is an SR-22 filing?
• Is borrowed equipment or tools covered if stolen or damaged?
• How high should my uninsured/underinsured coverage be in my state?
• How many claims can I have before being cancelled?
• Why am I be forced to buy a membership to get insurance from some companies?
• What if I total my 2010 Chevy Aveo and owe more than it’s worth?
• Do I need medical payments coverage since I have good health insurance?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages 101

Learning about specific coverages of a car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Coverage for liability

Liability coverage will cover damage that occurs to people or other property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as bail bonds, repair bills for other people’s vehicles, medical services and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for expenses such as rehabilitation expenses, EMT expenses and doctor visits. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, damage from a tornado or hurricane, a tree branch falling on your vehicle and theft. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage pays for damage to your Aveo caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as hitting a parking meter, sustaining damage from a pot hole, crashing into a ditch, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.