Pretty sure you bought an under-performing, overpriced insurance policy? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out.
It’s amazing but the vast majority of drivers have bought insurance from the same company for over three years, and almost 40% of drivers have never compared quotes from other companies. Many consumers in the U.S. could save as much as $860 a year, but they just feel it’s too hard to shop around.
Steps to finding cheaper rates for Chevy Aveo insurance in Chula Vista
Truthfully, the best way to get cheaper Chevy Aveo insurance is to regularly compare price quotes from insurance carriers who sell insurance in Chula Vista.
- Get an understanding of coverages and the things you can control to prevent high rates. Many rating criteria that result in higher rates like traffic violations, accidents, and a poor credit score can be eliminated by making lifestyle changes or driving safer.
- Quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like GEICO or Farmers Insurance, while independent agencies can quote prices from many different companies.
- Compare the new quotes to your existing policy and determine if there is any savings. If you can save money, make sure there is no lapse in coverage.
One piece of advice is to make sure you’re comparing similar coverage information on every quote and and to get quotes from as many carriers as you can. Doing this provides a fair price comparison and a complete selection of prices.
Companies like Progressive, State Farm and GEICO continually bombard you with advertising and it is difficult to not get sucked in by the cute commercials and find the best price available.
Consumers should take time to do rate comparisons every six months because rates change frequently. If you had the best rate on Chevy Aveo insurance in Chula Vista last year a different company probably has better prices today. There are lots of tips to save on Aveo insurance on the internet, but I’m going to show you some great ways to lower your insurance rates in Chula Vista.
Cheapest Chevy insurance rate quotes in Chula Vista
The car insurance companies shown below provide price quotes in California. To locate the best auto insurance in Chula Vista, CA, it’s a good idea that you visit several of them in order to get a fair rate comparison.
Chevy Aveo insurance charts and tables
The coverage table displayed below highlights detailed analysis of prices for Chevy Aveo models. Having a better idea how auto insurance prices are formulated can aid in making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Aveo LS 4-Dr Hatchback | $238 | $564 | $500 | $30 | $150 | $1,482 | $124 |
| Aveo LS 4-Dr Sedan | $238 | $564 | $500 | $30 | $150 | $1,482 | $124 |
| Aveo LT 4-Dr Hatchback | $270 | $564 | $500 | $30 | $150 | $1,514 | $126 |
| Aveo LT 4-Dr Sedan | $270 | $564 | $500 | $30 | $150 | $1,514 | $126 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate information does not factor in specific garaging location which can decrease or increase price quotes greatly.
Policy deductibles
When comparing insurance rates, the most common question is which comprehensive and collision deductibles to buy. The figures shown below can help you visualize the premium difference between high and low physical damage deductibles. The first rate table uses a $250 physical damage deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Aveo LS 4-Dr Hatchback | $342 | $678 | $442 | $26 | $132 | $1,645 | $137 |
| Aveo LS 4-Dr Sedan | $342 | $678 | $442 | $26 | $132 | $1,645 | $137 |
| Aveo LT 4-Dr Hatchback | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Aveo LT 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Table data does not factor in specific zip code location which can increase or decrease price quotes considerably.
We can estimate from the data above that using a $250 deductible will cost you roughly $35 more each month or $420 a year than requesting the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 21 months between claim filings, you would probably save some money going with the higher deductible.
Comparison of insurance rates by gender
The illustration below compares Chevy Aveo car insurance rates for male and female drivers. The premium estimates are based on a clean driving record, no claims, comp and collision included, $500 deductibles, single status, and no policy discounts are applied.
Chevrolet Aveo full coverage rates compared to liability only
The illustration below visualizes the comparison of Chevy Aveo yearly insurance costs with full coverage and liability only. The data assumes no driving violations, no at-fault accidents, $1,000 deductibles, drivers are single, and no additional discounts are factored in.
When to eliminate full coverage
There is no set guideline to exclude physical damage coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let’s assume your Chevy Aveo book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $5,000 after paying your policy deductible. If you are currently paying more than $500 annually for your policy with full coverage, then you may need to consider dropping full coverage.
There are some cases where removing full coverage is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.
Informed Drivers Can Slash Their Insurance Premiums
When buying car insurance it’s important to understand some of the elements that play a part in calculating the level of your policy premiums. When you understand what determines premiums, this allows you to make educated decisions that can help you get lower premium levels.
Does your occupation cost you more? – Careers such as real estate brokers, air traffic controllers, and accountants are shown to have higher premium rates in part from high stress levels and long work days. On the flip side, jobs such as actors, students and retirees have lower than average premiums.
You may save more by consolidating policies – Most companies provide discounts to buyers that purchase more than one policy such as combining an auto and homeowners policy. If you currently are using one company, you still need to compare Chevy Aveo rates in Chula Vista to guarantee you are still saving the most.
Safety first – Cars with high safety ratings can get you lower premiums. Safer cars result in less severe injuries and lower injury rates means less claims paid and lower rates for you.
How’s your driving record? – Having a clean driving record has a big impact on rates. Even one moving violation can boost insurance rates twenty percent or more. Attentive drivers have lower premiums than people who have multiple driving citations. Drivers who get flagrant citations such as DWI, reckless driving or hit and run convictions are required to maintain a SR-22 with the DMV in their state in order to prevent their license from being revoked.
The diagram below illustrates how traffic citations and at-fault claims can drive up Chevy Aveo premium costs for different categories of driver ages. The rate quotes are based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are applied.
Fewer miles means better costs – Driving more miles annually the more you’ll pay to insure your vehicle. Many insurance companies charge to insure your cars based on their usage. Cars not used for work or commuting receive better premium rates than vehicles that are driven to work every day. Ask your agent if your car insurance policy reflects the proper vehicle usage. Having an incorrect usage rating on your Aveo may be costing you.
Affordable Chula Vista auto insurance quotes with discounts
Insurance can cost an arm and a leg, but you might already qualify for some discounts that you may not even know about. Larger premium reductions will be automatically applied at the time you complete a quote, but some must be specifically requested prior to getting the savings.
- Defensive Driver Discounts – Taking a course in defensive driver could save 5% or more and also improve your driving technique.
- Multiple Vehicles – Buying a policy with several vehicles with the same auto insurance company qualifies for this discount.
- Low Mileage Discounts – Maintaining low annual mileage could qualify for cheaper premium rates.
- Senior Citizen Discount – Mature drivers may be able to get reduced rates.
- Paper-free Discount – Certain insurance companies may give you up to $50 simply for signing digitally online.
As is typical with insurance, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. Despite the appearance that you can get free auto insurance, it just doesn’t work that way.
The example below shows the difference between Chevy Aveo insurance rates with and without discounts. The costs are based on a female driver, no accidents or driving violations, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-policy, claim-free, safe-driver, and multi-car discounts applied.
Companies that may include these money-saving discounts include:
Before purchasing a policy, check with all the companies to apply every possible discount. Savings may not apply to policies in Chula Vista. To locate providers that have a full spectrum of discounts in California, click here to view.
Do I need an insurance agent?
A small number of people prefer to sit down and talk to an agent. A nice benefit of comparing rates online is that drivers can save money and get lower rates and still have an agent to talk to. Buying from and supporting local insurance agencies is important particularly in Chula Vista.
By using this quick form, your information is emailed to participating agents in Chula Vista who will return price quotes for your coverage. You won’t even need to even leave your home as quotes are delivered directly to your email. You can find the lowest rates and a licensed agent to work with. If you need to quote rates from a specific company, you would need to go to their quote page and submit a quote form there.
Finding a good insurer requires more thought than just the price. Get answers to these questions too.
- How long have they been in business?
- By raising physical damage deductibles, how much would you save?
- Do they make recommendations based only on price?
- Does the agency have a current Errors and Omissions policy?
- Are they giving you every discount you deserve?
- Are they involved in claim handling?
- How often do they review coverages?
- Do the companies they represent have a solid financial rating?
How to find a good California auto insurance company
Selecting a highly-rated insurance company is hard considering how many choices drivers have in California. The company information displayed below can help you decide which car insurance companies you want to consider when looking for cheaper rates.
Top 10 Chula Vista Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Chula Vista Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
How to know if you need help
When it comes to buying insurance from an agent or online for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.
Here are some questions about coverages that can aid in determining whether you might need an agent’s assistance.
- Should I sign the liability waiver when renting a car?
- How high should my medical payments coverage be?
- Do I need more liability coverage?
- Does coverage extend to Mexico or Canada?
- What is the ISO rating for a Chevy Aveo?
- Am I covered if I crash into my own garage door?
- What is motorclub and do I need it?
- I have health insurance so do I need medical payments coverage?
- Do I need PIP (personal injury protection) coverage in California?
- Do I need rental car coverage?
If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form.
Don’t give up on affordable coverage
Throughout this article, we presented some good ideas how to find cheap Chevy Aveo insurance in Chula Vista. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even find the lowest priced car insurance comes from a smaller regional carrier.
Cheaper Chevy Aveo insurance in Chula Vista can be sourced online and also from your neighborhood Chula Vista agents, and you should compare rates from both in order to have the best price selection to choose from. A few companies don’t offer internet price quotes and many times these smaller companies provide coverage only through independent insurance agents.
Drivers switch companies for any number of reasons including being labeled a high risk driver, unfair underwriting practices, delays in paying claims and even poor customer service. Regardless of your reason for switching companies, finding the right car insurance provider can be easy and end up saving you some money.
How to find cheaper rates for Chevy Aveo insurance in Chula Vista
The most effective way to get more affordable car insurance rates is to compare quotes once a year from companies in Chula Vista. Rates can be compared by following these guidelines.
First, get a basic knowledge of how insurance works and the things you can control to prevent high rates. Many rating factors that are responsible for high rates such as speeding and a less-than-favorable credit rating can be remedied by being financially responsible and driving safely.
Second, quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive or Farmers Insurance, while agents who are independent can provide rate quotes for a wide range of companies.
Third, compare the price quotes to the price on your current policy and see if there is a cheaper rate. If you can save some money and switch companies, ensure coverage does not lapse between policies.
Fourth, give notification to your agent or company of your intent to cancel the current policy. Submit a down payment along with a signed application for the new policy. Be sure to place your new certificate verifying coverage with the vehicle registration.
One thing to point out is to make sure you enter the same liability limits and deductibles on each quote and and to get price quotes from as many companies as you can. This provides an accurate price comparison and a complete price analysis.
Additional detailed information is available in the articles below:
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Who Has the Cheapest Chula Vista Auto Insurance for a Learners Permit? (FAQ)
- How Much are Auto Insurance Rates for a Honda CR-V in Chula Vista? (FAQ)
- Side Impact Crash Tests (iihs.org)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Choosing a Car for Your Teen (State Farm)
- Preventing Carjacking and Theft (Insurance Information Institute)