2004 Chevrolet Aveo Insurance Cost – 7 Tips for Cheaper Prices

Looking for cheaper auto insurance rates? Shoppers have many options when shopping for the best price on Chevy Aveo insurance. You can either spend your time calling around to compare prices or utilize the internet to find the lowest rates.

There are both good and bad ways to compare auto insurance rates and we’ll show you the proper way to quote coverages for your Chevy and obtain the lowest possible price either online or from local insurance agents.

You should take the time to do rate comparisons periodically since rates go up and down regularly. Just because you had the lowest price for Aveo insurance last year a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the things you must know in order to find great coverage at a great price.

How to Compare Insurance Rates

All major insurance companies give prices online. This process doesn’t take a lot of time as you just enter your coverage preferences into the quote form. Once you submit the form, the company’s rating system will obtain reports for credit and driving violations and gives you a price quote based on many factors.

This makes comparing rates easy, but the time required to go to many different websites and type in the same information is repetitive and time-consuming. But it’s absolutely necessary to get many rate quotes in order to find a better rate.

The preferred way to compare insurance pricing requires only one form to get prices from a bunch of companies at once. The form is fast, requires less work, and makes online quotes much simpler. Immediately after you send the form, it gets priced and you can choose your choice of the returned quotes.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. This process can be completed in less than 10 minutes and can result in significant savings.

To save time and find out how much you can save on insurance, click here to open in new window and enter your information. If you have coverage now, it’s recommended you complete the form with the limits and deductibles identical to your current policy. This ensures you’re receiving a price comparison using the same coverage and limits.

Discounts are available to cut your rates

Insuring your fleet can be pricey, but you can get discounts to help offset the cost. Some discounts apply automatically when you quote, but a few need to be inquired about prior to receiving the credit. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
  • Homeowners Savings – Being a homeowner may trigger a auto insurance policy discount because of the fact that having a home requires personal responsibility.
  • Defensive Driving Course – Taking a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more for Aveo insurance than less cautious drivers.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • One Accident Forgiven – A few companies will forgive one accident without raising rates so long as you haven’t had any claims for a certain period of time.

Consumers should know that some of the credits will not apply to the entire cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, you won’t be that lucky. Any amount of discount will help reduce your overall premium however.

To see a list of insurance companies offering auto insurance discounts, click here.

Everyone needs different coverages

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

These are some specific questions could help you determine if your insurance needs may require specific advice.

  • Is my trailer covered?
  • Am I covered if I drive in a foreign country?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Who is covered by my policy?
  • Should I put collision coverage on all my vehicles?
  • Am I covered if I wreck a rental car?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is a new car covered when I drive it off the dealer lot?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Insurance specifics

Knowing the specifics of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive protection

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from getting keyed, hitting a bird and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage protection

This will pay to fix damage to your Aveo resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a building, hitting a mailbox, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like dental work, rehabilitation expenses, chiropractic care and surgery. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured or underinsured coverage

This provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Aveo.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits do not exceed the liability coverage limits.

Auto liability

This coverage protects you from damage that occurs to other’s property or people that is your fault. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like emergency aid, court costs and medical services. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.