2006 Chevrolet Aveo Car Insurance Rates – 10 Savings Tips

Feel like you’re a prisoner to an underperforming, overpriced insurance policy? Believe me, you are not the only one feeling buyer’s remorse.

Having so many online and local companies to choose from, it’s difficult to find the lowest cost provider.

The purpose of this post is to tell you how car insurance quotes work and some money-saving tips. If you currently have car insurance, you will most likely be able to save some money using this information. Nevertheless, drivers must understand the methods companies use to market on the web and apply this information to your search.

Vehicle Insurance Comparison

Most major insurance companies quote price estimates directly from their websites. The process is quite simple as you simply type in the coverage amounts you desire into the quote form. Once entered, the company’s rating system makes automated requests for reports for credit and driving violations and generates a price. Being able to quote online makes it a lot easier to compare rates but the time it takes to visit different websites and fill out multiple forms can be a bit tiresome and repetitive. But it’s very important to perform this step in order to find the best price on insurance coverage.

A more efficient way to compare insurance coverage pricing utilizes a single form to obtain quotes from several companies at one time. The form is fast, eliminates repetitive work, and makes comparison shopping much more enjoyable. After your information is entered, it is rated and you are able to buy any or none of the quotes that you receive.

If you find a better price you can click and sign and buy the policy. The whole process takes 15 minutes at the most and may save quite a bit of money.

To save time and find out if lower rates are available, click here and begin entering your coverage information. To compare your current rates, we recommend you replicate the insurance coverages as close as possible to your current policy. Doing this assures you will have a fair comparison based on the exact same insurance coverage.

Do you qualify for these ten discounts?

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that can drop the cost substantially. Most are applied when you purchase, but some must be manually applied before being credited.

• Safe Drivers – Drivers who avoid accidents may save up to 50% more for Aveo insurance than drivers with accidents.
• Organization Discounts – Being a member of a civic or occupational organization could qualify you for a break on your policy for Aveo insurance.
• Homeowners Pay Less – Owning a home can help you save on auto insurance because owning a home is proof that your finances are in order.
• Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
• Military Discounts – Being on active duty in the military may qualify for rate reductions.
• Paperwork-free – Certain companies give back up to $50 for buying your policy digitally online.
• Passive Restraints – Vehicles equipped with air bags can qualify for discounts up to 30%.
• Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
• Good Students Pay Less – This discount can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
• Safety Course Discount – Successfully completing a defensive driving course could cut 5% off your bill depending on where you live.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. Even though it may seem like all the discounts add up to a free policy, you’re out of luck. But any discount will bring down the amount you have to pay.

To see a list of insurance companies with the best auto insurance discounts, click here to view.

Don’t assume everyone needs the same coverage

When it comes to buying the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. For example, these questions could help you determine if you might need an agent’s assistance.

• Does my insurance cover a custom paint job?
• Do I benefit by insuring my home with the same company?
• What is the minimum liability in my state?
• Which companies will insure high-risk drivers?
• Is my 2006 Chevy Aveo covered for flood damage?
• Should I drop comprehensive coverage on older vehicles?
• Do I need to file an SR-22 for a DUI in my state?
• Are my tools covered if they get stolen from my vehicle?
• Where can I find DUI or SR-22 insurance?
• Does my liability insurance cover pulling a trailer or camper?

If you can’t answer these questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Insurance coverages 101

Knowing the specifics of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages offered by insurance companies.

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, vandalism and hitting a bird. 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 it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as EMT expenses, dental work and nursing services. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they 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 have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability coverage

This coverage will cover injuries or damage you cause to a person or their property in an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as repair bills for other people’s vehicles, loss of income, court costs and pain and suffering. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Collision protection

This coverage will pay to fix damage to your Aveo caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a ditch, rolling your car and hitting a parking meter. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.