Cheap Insurance for a Chevy Aveo in Fresno

Discount Chevy Aveo insuranceReally, the only way to find cheaper prices for Chevy Aveo insurance in Fresno is to start comparing rates regularly from insurers in California.

  1. Get an understanding of auto insurance and the changes you can make to keep rates in check. Many rating factors that cause rate increases such as distracted driving and a substandard credit score can be improved by making minor driving habit or lifestyle changes. Continue reading for information to find cheap rates and find more discounts that you may not know about.
  2. Compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like GEICO and State Farm, while independent agencies can provide prices for a wide range of companies.
  3. Compare the new rate quotes to your current policy and determine if cheaper Aveo coverage is available in Fresno. If you find a lower rate and decide to switch, ensure coverage does not lapse between policies.

A good tip to remember is to try to compare the same amount of coverage on each quote and and to get quotes from as many companies as you can. This ensures an apples-to-apples comparison and a thorough selection of prices.

It’s amazing but the vast majority of insurance customers in California kept buying from the same company for more than four years, and approximately 38% of consumers have never quoted insurance rates at all. Many consumers in the United States could save an average of nearly $860 each year, but they underestimate how much savings they would realize if they changed companies.

Comparing quotes for the lowest cost protection in Fresno is not as time-consuming as you think. If you have a current insurance policy or are looking for a new policy, you can learn to buy cheaper insurance and still get good coverage. Vehicle owners just need to learn the quickest method to find the lowest price from many different companies.

Finding a better price on insurance can be quick and easy. The only requirement is to take the time to compare rates from different insurance companies.

The companies shown below are ready to provide price comparisons in California. To find cheap car insurance in Fresno, we suggest you get prices from several of them to find the lowest auto insurance rates.

Analysis of Chevy Aveo rates

The rate table shown below highlights different insurance premium costs for Chevy Aveo models. Having a good understanding how insurance prices are formulated can help you make smart buying decisions.

Chevrolet Aveo Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Aveo LS 4-Dr Hatchback $238 $536 $464 $28 $138 $1,404 $117
Aveo LS 4-Dr Sedan $238 $536 $464 $28 $138 $1,404 $117
Aveo LT 4-Dr Hatchback $270 $536 $464 $28 $138 $1,436 $120
Aveo LT 4-Dr Sedan $270 $536 $464 $28 $138 $1,436 $120
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rate quotes do not factor in garaging location in Fresno which can affect auto insurance rates greatly.

Where to set your deductibles

A question often asked by Fresno drivers is which deductibles should you choose. The rates shown below illustrate the rate differences between low and high coverage deductibles. The first rate comparisons uses a $100 physical damage deductible and the second set of rates uses a $1,000 deductible.

Chevrolet Aveo insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Aveo LS 4-Dr Hatchback $380 $810 $442 $26 $132 $1,815 $151
Aveo LS 4-Dr Sedan $380 $810 $442 $26 $132 $1,815 $151
Aveo LT 4-Dr Hatchback $430 $810 $442 $26 $132 $1,865 $155
Aveo LT 4-Dr Sedan $430 $810 $442 $26 $132 $1,865 $155
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Chevrolet Aveo insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Aveo LS 4-Dr Hatchback $210 $426 $442 $26 $132 $1,236 $103
Aveo LS 4-Dr Sedan $210 $426 $442 $26 $132 $1,236 $103
Aveo LT 4-Dr Hatchback $238 $426 $442 $26 $132 $1,264 $105
Aveo LT 4-Dr Sedan $238 $426 $442 $26 $132 $1,264 $105
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price information does not factor in the specific area where the vehicle is garaged which can alter rates considerably.

Based on the figures above, using a $100 deductible would cost the average driver about $49 more each month or $588 annually than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 18 months between claim filings, you would save more money if you opt for a higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $100 deductibles: $153
Average monthly premium for $1,000 deductibles (subtract): – $104
Monthly savings from raising deductible: $49
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $49
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

The example below shows how choosing a deductible and can influence Chevy Aveo yearly insurance costs for each age group. The premium estimates are based on a single female driver, full physical damage coverage, and no discounts are factored in.

Comparison of car insurance rates by gender and age

The illustration below visualizes the comparison of Chevy Aveo insurance prices for male and female drivers. The rates are based on no violations or accidents, full physical damage coverage, $1,000 deductibles, single status, and no discounts are applied.

Best reasons to buy car insurance in California

Despite the fact that car insurance is not cheap in Fresno, buying car insurance may be mandatory for several reasons.

First, almost all states have mandatory insurance requirements which means you are required to carry specific limits of liability insurance coverage if you don’t want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a lien on your Chevy Aveo, almost all lenders will require you to have full coverage to guarantee payment of the loan. If you default on your policy, the bank may insure your Chevy at a significantly higher premium and force you to pay the higher premium.

Third, car insurance protects both your Chevy and your personal assets. It will also cover medical transport and hospital expenses that are the result of an accident. Liability coverage will also pay for a defense attorney if anyone sues you for causing an accident. If you have damage to your Chevy as the result of the weather or an accident, your car insurance policy will pay to repair the damage.

The benefits of buying car insurance are definitely more than the cost, especially for larger claims. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $865 each year so you should quote your policy with other companies at every renewal to ensure rates are competitive.

What Determines Chevy Aveo Insurance Costs?

Many factors are part of the calculation when quoting car insurance. Some are obvious like your driving record, but other factors are not as apparent such as your marital status or your vehicle rating.

Insurance rates for married couples – Having a significant other may earn you lower rates on car insurance. Having a significant other means you’re more stable financially and statistics show married drivers tend to have fewer serious accidents.

Prices are impacted by vehicle performance – The performance of the vehicle you are insuring makes a huge difference in your rates. Economy passenger cars usually have the lowest premiums, but the final cost of insurance is determined by many other factors.

The data below uses these variables: single male driver age 40, full coverage with $500 deductibles, and no discounts or violations. It shows Chevrolet Aveo insurance premiums compared to other vehicles that have a range of performance risks.

Keep claims to a minimum – Car insurance companies in California generally give discounts to policyholders who only file infrequent claims. If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Insurance coverage is intended for major claims that would cause financial hardship.

Compare rates if you bundle your policies – Many insurers apply lower prices for people who have multiple policies with them in the form of a multi-policy discount. The discount can be as much as ten percent or more Even if you qualify for this discount already, it’s always a smart idea to shop around to guarantee you are still saving the most.

Never let your car insurance policy expire – Having an insurance coverage lapse can be a guaranteed way to pay more for car insurance. In addition to paying higher rates, not being able to provide proof of insurance will get you a license revocation or jail time. You may then be required to file a SR-22 with the California DMV.

Five star crash test rating saves money – Cars with high safety ratings tend to have better insurance rates. Vehicles built for safety reduce injuries and lower injury rates translates into savings for insurance companies and thus lower rates. If your Chevy Aveo is rated at least four stars on you may be receiving a better rate.

Cheaper prices using alarm systems – Purchasing a vehicle that has a built-in theft deterrent system can get you a discount on your car insurance. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.

Accidents can increase rates – Drivers with clean records get better rates as compared to those with violations. Even one ticket can increase rates by twenty percent. Drivers who have received multiple citations such as DUI, reckless driving or excessive speeding are required to submit a SR-22 form with their state’s department of motor vehicles in order to drive a vehicle legally.

The example below demonstrates how speeding tickets and accidents drive up Chevy Aveo yearly insurance costs for different age groups. The premium estimates are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

Get the best coverage at the lowest price

When you buy Fresno car insurance online, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped collision coverage and learned later that the small savings ended up costing them much more. Your goal is to buy enough coverage at the best possible price, not the least amount of coverage.

We just presented many ways to lower your Chevy Aveo insurance premium rates in Fresno. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding the cheapest Chevrolet Aveo rate quotes. You may even find the lowest premium rates are with an unexpected company.

Some companies may not have rates over the internet and many times these regional carriers only sell through local independent agents. Cheap Chevy Aveo insurance in Fresno is possible from both online companies and also from your neighborhood Fresno agents, and you need to comparison shop both in order to have the best chance of saving money.

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