Want the cheapest car insurance rates for your Chevrolet Aveo? Sick and tired of trying to scrape together enough money to insure your Chevy every month? You are no different than millions of other consumers.
Big-name insurance companies like State Farm, Allstate, GEICO and Progressive continually bombard you with ads and it is challenging if not impossible to see past the corporate glitz and do the work needed to find the best deal.
All major auto insurance companies allow you to get coverage price quotes directly from their websites. Getting quotes is quite easy as you simply type in your required coverages as detailed in the form. Behind the scenes, the system automatically retrieves reports for credit and driving violations and returns a price based on many factors. Quoting online helps simplify price comparisons, but the time it takes to visit a lot of sites and type in the same information can be a bit tiresome and repetitive. But it’s absolutely necessary to perform this step in order to find the best price on auto insurance.
Compare rates the easy way
An easier way to find better auto insurance pricing requires only one form that gets prices from more than one company. This type of form saves time, eliminates form submissions, and makes rate comparisons much easier to do. After sending your information, your coverage is rated and you are able to buy any or none of the price quotes you receive. If a lower price is quoted, you can simply submit the application and buy the policy. It just takes a couple of minutes and you’ll know if lower rates are available.
To compare rates using this form now, click here to open in new window and submit the form. To compare your current rates, we recommend you replicate deductibles and limits exactly as shown on your declarations page. This ensures you will have comparison quotes for similar coverage.
Companies that sell car insurance don’t always list every discount in a way that’s easy to find, so the following is a list of some of the best known and the more hidden car insurance savings.
Consumers should know that most of the big mark downs will not be given the the whole policy. A few only apply to individual premiums such as comp or med pay. So when it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.
Companies that may offer these discounts are:
Check with all companies you are considering how you can save money. Discounts may not be available in your area.
When choosing coverage for your personal vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions might point out whether you would benefit from professional advice.
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier
Having a good grasp of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. These are typical coverage types offered by auto insurance companies.
Medical expense insurance – Med pay and PIP coverage kick in for expenses for EMT expenses, ambulance fees, funeral costs, pain medications and doctor visits. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Aveo.
Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.
Collision coverages – Collision insurance covers damage to your Aveo caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like hitting a parking meter, hitting a mailbox, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.
Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against claims such as hail damage, hitting a bird, hitting a deer and fire damage. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Liability auto insurance – This can cover damage that occurs to other people or property. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.
Liability coverage has 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 liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.
Liability insurance covers things like court costs, medical services and legal defense fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.