Lower Your 2008 Chevrolet Aveo Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 11, 2022

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Searching for low-cost insurance for a Chevy Aveo can turn out to be a painful process, but you can follow a few tricks and make it easy.

There is a right way and a wrong way to compare insurance coverage rates so we’re going to tell you the quickest way to compare rates for a new or used Chevy and get the lowest price.

Consumers need to compare prices occasionally because prices go up and down regularly. Even if you got the best rates on Aveo coverage last year there may be better deals available now. There is a lot of bad information regarding insurance coverage online, so with this article, you’re going to get some good information on how to buy insurance coverage cheaper.

The fastest way that we advise to compare rates is to realize most insurance companies will pay a fee to give rate comparisons. To begin a comparison, all you need to do is provide information including how much you drive, how you use your vehicles, driver details, and whether you are single or married. Those rating factors is instantly sent to multiple insurance coverage providers and they respond with quotes almost instantly.

Are you getting all your discounts?

Insurance can cost an arm and a leg, but companies offer discounts to cut the cost considerably. Some trigger automatically when you quote, but some must be specifically requested prior to receiving the credit. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Discount for Life Insurance – Larger companies have lower rates if you buy auto and life insurance together.
  • One Accident Forgiven – A few companies will allow you to have one accident before your rates go up so long as you haven’t had any claims prior to the accident.
  • Student in College – Children who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts when compared to accident-prone drivers.

A little note about advertised discounts, most credits do not apply to the entire cost. Most cut the price of certain insurance coverages like collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky. But all discounts will cut the cost of coverage.

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

Tailor your coverage to you

When choosing the best car insurance coverage, there isn’t really a perfect coverage plan. Every situation is different.

Here are some questions about coverages that may help you determine if your insurance needs would benefit from professional advice.

  • Will filing a claim cost me more?
  • Which is better, split liability limits or combined limits?
  • Should I buy full coverage?
  • Why do I only qualify for high-risk insurance?
  • How high should deductibles be on a 2008 Chevy Aveo?
  • Do I need medical payments coverage since I have good health insurance?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Auto insurance coverage information

Understanding the coverages of auto insurance can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Auto liability

This protects you from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as medical expenses, loss of income and bail bonds. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

UM/UIM Coverage

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries 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. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are identical to your policy’s liability coverage.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like doctor visits, ambulance fees and dental work. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as fire damage, a broken windshield and hitting a deer. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a ditch, colliding with a tree and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

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