Chevy Aveo Insurance Quotes in Irvine

Do you want to save money by finding low-cost Chevy Aveo insurance in Irvine? Searching for cheaper insurance for a new or used Chevy Aveo in California can be an all-consuming task, but you can use our car insurance buying tips to make it easier.

There is a better way to buy car insurance so we’re going to tell you the best way to quote coverages for your Chevy and locate the best price possible from Irvine insurance agents and online providers.

Shocking but true, about 70% of customers have stayed with the same insurance company for at least four years, and roughly 40% of drivers have never even shopped around for lower-cost coverage. American insurance shoppers can cut their rates by roughly $860 a year, but they mistakenly think it’s difficult to find lower-cost insurance by shopping around.

It’s important to compare premium rates yearly since rates change regularly. Just because you had the lowest premium rates on Chevy Aveo insurance in Irvine last year you can probably find a better price now. There are lots of tips to save on Aveo insurance on the web, but I’m going to show you some great ways to quit paying high car insurance rates in Irvine.

The auto insurance companies shown below can provide price comparisons in Irvine, CA. If multiple companies are listed, we recommend you compare several of them to get the best price comparison.

Companies offer lots of discounts on Chevy Aveo insurance in Irvine

Insurance is neither fun to buy or cheap, but you might already qualify for some discounts that you may not know about. Many of these discounts will be applied automatically when you quote, but a few need to be asked for before they will apply.

• Telematics Devices – Irvine drivers who agree to allow their insurance company to scrutinize where and when they drive remotely such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if they exhibit good driving behavior.
• Safety Restraint Discount – Forcing all vehicle occupants to buckle their seat belts could save 15% off the PIP or medical payment premium.
• Safety Course Discount – Taking time to complete a class that teaches driver safety techniques could save 5% or more if you qualify.
• Government Employee Discount – Active or former government employment may reduce rates when you quote Irvine car insurance depending on your company.
• Student Discount for Driver Training – Cut your cost by having your teen driver participate in a local driver’s education class as it will make them better drivers and lower rates.
• Early Signing – Some insurance companies provide a discount for switching companies early. It’s a savings of about 10%.

A little disclaimer on discounts, most discount credits are not given to all coverage premiums. A few only apply to specific coverage prices like collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

The illustration below illustrates the difference between Chevy Aveo annual premium costs with and without discounts applied to the policy rates. Data assumes a male driver, no violations or accidents, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, marriage, homeowner, claim-free, and multi-car discounts applied.

Companies and their offered discounts can be found below.

• State Farm may include discounts for good driver, anti-theft, driver’s education, Drive Safe & Save, passive restraint, good student, and multiple policy.
• Farmers Insurance offers premium reductions for electronic funds transfer, homeowner, business and professional, early shopping, pay in full, distant student, and switch companies.
• Progressive offers discounts for online quote discount, continuous coverage, homeowner, online signing, and multi-policy.
• GEICO may have discounts that include defensive driver, anti-theft, military active duty, driver training, and air bags.
• Auto-Owners Insurance has discounts for anti-lock brakes, mature driver, student away at school, teen driver, and air bags.
• The Hartford discounts include driver training, defensive driver, anti-theft, good student, and air bag.
• Farm Bureau includes discounts for youthful driver, good student, driver training, multi-policy, safe driver, multi-vehicle, and renewal discount.
• USAA policyholders can earn discounts including defensive driver, good student, multi-vehicle, military installation, annual mileage, safe driver, and new vehicle.

Double check with all companies you are considering to apply every possible discount. Some discounts listed above may not apply to policies in Irvine. To locate companies that offer some of these discounts in California, click here to view.

Auto insurance statistics for a Chevy Aveo

The coverage information displayed next showcases a range of prices for Chevy Aveo models. Learning a little about how prices are established is important for drivers to make smart choices when buying a policy.

Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can raise or lower price quotes noticeably.

Comparison of policy deductibles

One frequently asked question is at what level do you set your deductibles. The comparisons below determine the rate differences between low and high policy deductibles. The first rate quote example uses a $250 physical damage coverage deductible and the second pricing table uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate quotes do not factor in vehicle garaging location which can alter price quotes greatly.

Based on the above data, using a $250 deductible costs about $18 more each month or $216 every year than quoting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally go more than 14 months between claims, you would most likely save money going with the higher deductible.

The illustration below demonstrates how deductibles and can influence Chevy Aveo insurance costs for different age groups of insureds. The premiums are based on a married female driver, full physical damage coverage, and no discounts are applied.

Full coverage or liability only

The example below visualizes the comparison of Chevy Aveo car insurance rates with liability coverage only compared to full coverage. The rates are based on no claims or driving citations, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

When to stop buying full coverage

There is no exact rule for eliminating full coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let’s pretend your Chevy Aveo settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $4,000 after paying your deductible. If you are currently paying more than $400 a year for physical damage coverage, then you might want to think about dropping full coverage.

There are a few cases where eliminating full coverage is not recommended. If you still owe a portion of the original loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not opt for liability only.

How to find a good Irvine car insurance company

Choosing the top insurance company can be a challenge considering how many different companies insure vehicles in California. The company rank data displayed below can help you analyze which car insurance companies to look at when looking for cheaper rates.

Top 10 Irvine Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Esurance – A+
6. Nationwide – A+
7. Allstate – A+
8. Mercury Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+

Top 10 Irvine Car Insurance Companies Overall

1. USAA
2. American Family
3. AAA of Southern California
4. State Farm
5. The Hartford
6. AAA Insurance
7. GEICO
8. The General
9. Titan Insurance
10. Progressive

Eight Things That Determine Your Insurance Premiums

The best way to find cheaper insurance is to take a look at a few of the rating criteria that are used to determine the rates you pay for insurance. When you understand what determines premiums, this allows you to make educated decisions that may reward you with much lower annual insurance costs.

A insurance policy lapse can increase insurance rates – Having a lapse in insurance coverage will be a quick way to increase your rates. And not only will insurance be more expensive, failure to provide proof of insurance will get you a fine, jail time, or a revoked license.

Liability insurance limits are a factor – Liability insurance will protect you if you are determined to be liable for damages caused by your negligence. Your policy’s liability insurance provides you with a defense in court to defend your case. Liability insurance is quite affordable compared to comp and collision, so drivers should make sure they buy enough to cover all assets.

GPS tracking and theft deterrents reduce rates – Purchasing a vehicle with a theft deterrent system can help lower your rates. Advanced theft deterrents such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent car theft and help bring rates down.

Rural areas have lower premiums – Living in areas with lower population has definite advantages when shopping for auto insurance. Residents of big cities regularly have more auto accidents and more time behind the wheel. Less people living in that area translates into fewer accidents in addition to fewer liability claims.

Use but don’t abuse your insurance – If you’re an insured who likes to file claims you can pretty much guarantee higher premiums or even policy non-renewal. Car insurance companies in California provide lower rates to drivers who file claims infrequently. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.

Rates can drop if you have more than one policy – Some companies give lower prices to people that purchase more than one policy, otherwise known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. If you currently are using one company, consumers should still comparison shop to guarantee you are still saving the most.

Drive a fast vehicle and pay more – The make and model of the car you need to insure makes a huge difference in your auto insurance rates. The lowest rates are for small economy passenger models, but the final cost of insurance is determined by many other factors.

The following data uses these variables: single male driver age 20, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Chevrolet Aveo insurance premiums compared to other models that have a range of performances.

Bad credit hurts insurance prices – Having a good credit score factor in determining what you pay for insurance. People with very high credit ratings tend to file fewer claims and have better driving records than those with poor credit scores. If your credit score can use some improvement, you could save money insuring your Chevrolet Aveo by spending a little time repairing your credit.