Compare Chevy Aveo Insurance Quotes in Oakland

If you want to save money, the best way to find affordable Chevy Aveo insurance in Oakland is to regularly compare quotes from providers who provide car insurance in California.

1. Try to learn about how your policy works and the things you can control to keep rates low. Many risk factors that increase rates such as distracted driving and a bad credit rating can be improved by paying attention to minor details.
2. Compare rates from exclusive agents, independent agents, and direct providers. 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 insurance providers.
3. Compare the new rate quotes to the price on your current policy and determine if cheaper Aveo coverage is available. If you find a lower rate and change companies, ensure coverage does not lapse between policies.
4. Provide adequate notice to your current company of your intent to cancel your current car insurance policy. Submit a completed policy application and payment to the new company. Don’t forget to place your new proof of insurance paperwork in your vehicle’s glove compartment or console.

One thing to point out is to make sure you enter similar deductibles and liability limits on every quote request and and to get rates from every company you can. This enables an accurate price comparison and a complete price analysis.

Astonishing but true, almost 70% of insureds have stayed with the same insurance company for well over three years, and nearly 40% of drivers have never quoted rates to find affordable coverage. With the average premium in California being $1,400, drivers could save about 35% every year just by shopping around, but they won’t spend time to compare other rate quotes.

If you have a policy now, you stand a good chance to be able to shop for the lowest rates using the tips covered below. Locating the most cost-effective insurance policy in Oakland is quite easy. But California vehicle owners do need to know the way insurance companies price insurance differently and use it to your advantage.

When quoting insurance, remember that comparing a wide range of rates increases your odds of finding more affordable rates. Some companies don’t provide rate quotes online, so it’s important to also get price quotes from them, too.

The companies shown below are our best choices to provide price quotes in Oakland, CA. If you wish to find cheap auto insurance in Oakland, we recommend you compare several of them to get a more complete price comparison.

Coverage analysis

The price information below outlines different insurance coverage prices for Chevy Aveo models. Having a good understanding how rate quotes are figured can be valuable when making smart choices when purchasing an insurance policy.

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Prices do not factor in Oakland location which can influence premium rates significantly.

Higher deductibles save money

One common question asked by Oakland drivers is which deductibles should you choose. The data tables below illustrate the price difference between high and low physical damage deductibles. The first set of rates uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Information does not factor in specific Oakland garaging location which can impact coverage prices greatly.

Based on these figures, using a $250 deductible will cost you about $18 more each month or $216 annually than requesting the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 14 months between claim filings, you would come out ahead by selecting a higher deductible.

Full coverage rates vs. liability-only in Oakland

The diagram below shows the comparison of Chevy Aveo insurance premiums with liability coverage only compared to full coverage. Data assumes a clean driving record, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are factored in.

When to eliminate full coverage

There is no exact rule of when to phase out physical damage insurance, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

For example, let’s say your Chevy Aveo claim settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $8,000 after paying the physical damage deductible. If you are currently paying more than $800 annually for full coverage, then it might be time to buy liability only.

There are some situations where only buying liability is not financially feasible. If you haven’t paid off your loan, you have to carry full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not opt for liability only.

Three reasons to not skimp on car insurance

Even though it can be expensive, paying for car insurance is required for several reasons.

• The majority of states have compulsory liability insurance requirements which means state laws require a minimum amount of liability protection in order to get the vehicle licensed. 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.
• If you have a loan on your Chevy Aveo, it’s guaranteed your bank will make it mandatory that you buy insurance to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank may buy a policy for your Chevy at a more expensive rate and require you to reimburse them for the much more expensive policy.
• Car insurance protects both your car and your assets. It will also pay for medical expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if anyone sues you for causing an accident. If your Chevy gets damaged, your car insurance policy will pay all costs to repair after the deductible has been paid.

The benefits of carrying enough insurance definitely exceed the price paid, specifically if you ever have a liability claim. The average driver in America is overpaying over $810 a year so smart consumers compare quotes every year to save money.

Quote Chevy Aveo Insurance for Less

Lots of factors are part of the calculation when you get your auto insurance bill. A few of the factors are predictable like an MVR report, but some are not as apparent like where you live or your financial responsibility.

• Drive less and get lower costs – The more you drive your Chevy each year the more you’ll pay to insure it. Many insurance companies charge to insure your cars based on how the vehicle is used. Cars left parked in the garage qualify for better rates than those used for commuting. It’s a smart idea to ensure your declarations sheet reflects how each vehicle is driven, because it can save money. Having an incorrect usage rating on your Aveo may be costing you higher rates.

• Do males or females drive better? – Over the last 50 years, statistics have shown women are more cautious behind the wheel. It does not mean females are better drivers. Women and men have accidents at about the same rate, but males get into accidents with more damage. Not only are claims higher, but men get more serious tickets like DUI and reckless driving. Teenage male drivers have the highest risk to insure and therefore have the most expensive car insurance rates.

  The example below shows the comparison of Chevy Aveo auto insurance costs for male and female drivers. The premiums are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are factored in.

• Youthful drivers cost more – Young drivers in California have been known to get distracted easily when driving so they pay higher car insurance rates. If you’ve ever had to add a first-time driver onto your car insurance can really hurt. Older people are shown to be more cautious, are lower risk to insure, and are safer drivers.

  The chart below uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

• Premiums and your address – Living in a small town can save you money when insuring your vehicles. Less people translates into fewer accidents and also fewer theft and vandalism claims. Drivers in populated California areas regularly have congested traffic and a longer drive to work. More time on the road statistically corresponds to a higher accident and claim rate.
• High comp and collision deductibles equal low rates – Insurance for physical damage, also known as collision and other-than-collision, covers your vehicle from damage. Some coverage claims would be collision with another vehicle, damage caused by hail, and rolling your vehicle. Physical damage deductibles define how much you are required to pay before a claim is paid by your company. The more money you pay before a claim is paid (deductible), the bigger discount you will receive.
• Better car insurance rates for being claim-free – If you file claims often, you can pretty much guarantee higher rates. Car insurance companies in California provide discounts to drivers who file claims infrequently. Your insurance policy is intended to be relied upon for the large, substantial claims.

• Driving citations hurt – Your driving record has a huge affect on how much you pay. Attentive drivers tend to pay less for car insurance than people who have multiple driving citations. Even a single speeding ticket may increase your cost twenty percent or more. Drivers who have license-revoking violations such as DUI or willful reckless driving may find that they have to to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to legally drive.

  The diagram below highlights how speeding tickets and at-fault claims impact Chevy Aveo yearly insurance costs for different age groups. The premiums are based on a married male driver, comp and collision included, $250 deductibles, and no other discounts are factored in.

Get discounts to get affordable Oakland car insurance quotes

Car insurance is easily one of your largest bills, but you may be missing some discounts that can dramatically reduce your bill. Certain credits will be shown when you quote, but less common discounts must be inquired about before you will receive the discount.

• Claim-Free Discount – Drivers with accident-free driving histories are rewarded with significantly better rates on Oakland auto insurance quote in comparison with frequent claim filers.
• Passive Restraints – Factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.
• Responsible Driver Discount – Drivers without accidents could pay up to 40% less than their less cautious counterparts.
• Resident Student – Any of your kids who are enrolled in higher education away from home and do not have a car may qualify for this discount.
• Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. Most companies allow this discount well after school through age 25.
• Early Payment Discounts – By paying your policy upfront instead of making monthly payments you can avoid monthly service charges.
• E-sign – A handful of insurance companies will give you a small discount for completing your application online.
• Waiver for an Accident – This isn’t a discount exactly, but certain companies permit an accident without raising rates if you are claim-free for a set time period.
• Government Employee Discount – Having worked for a branch of the government may reduce rates when you quote Oakland auto insurance with select insurance companies.

As is typical with insurance, most discount credits are not given to the whole policy. A few only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, it’s just not the way it works.

The illustration below visualizes the comparison of Chevy Aveo insurance prices with and without policy discounts. The premium estimates are based on a female driver, no accidents, no driving violations, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, safe-driver, homeowner, claim-free, and multi-car discounts applied.

The best car insurance companies and their possible discounts include:

• State Farm has discounts for anti-theft, student away at school, multiple autos, accident-free, good student, good driver, and Drive Safe & Save.
• Progressive has savings for multi-vehicle, continuous coverage, online quote discount, multi-policy, and homeowner.
• Progressive may have discounts that include multi-policy, homeowner, multi-vehicle, online quote discount, good student, and continuous coverage.
• MetLife offers discounts for multi-policy, claim-free, good driver, accident-free, and good student.
• Farm Bureau may include discounts for renewal discount, safe driver, 55 and retired, multi-vehicle, good student, and multi-policy.
• GEICO may offer discounts for defensive driver, multi-policy, seat belt use, air bags, military active duty, and emergency military deployment.
• SAFECO policyholders can earn discounts including anti-theft, bundle discounts, anti-lock brakes, safe driver, teen safety rewards, multi-car, and homeowner.

When comparing rates, check with all the companies how many discounts you can get. Some credits may not be offered in every state. To find insurers who offer online Chevy Aveo insurance quotes in Oakland, click this link.

Auto insurance is unique, just like you

When quoting and comparing the best auto insurance coverage for your personal vehicles, there is no single plan that fits everyone. Your financial needs are unique so your insurance needs to address that.
These are some specific questions could help you determine if your insurance needs would benefit from an agent’s advice.

• Does insurance cover tools stolen from my truck?
• Is my babysitter covered when using my vehicle?
• How long can I keep a teen driver on my policy?
• What are the financial responsibility laws in my state?
• Is my dog or cat covered if injured in an accident?
• When should my teen driver be added to my policy?
• Am I covered if I drive in a foreign country?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Compare rate quotes but buy from a local neighborhood Oakland car insurance agent

Many people would rather sit down and talk to an agent and that can be a smart move A nice benefit of comparing rates online is you can get cheaper prices and still have a local agent. Supporting local agents is important particularly in Oakland.

For easy comparison, once you complete this simple form, your information is sent to local insurance agents in Oakland who will give you quotes and help you find cheaper coverage. You don’t have to do any legwork because prices are sent to you. You can find better rates AND an agent nearby. If you need to compare prices for a specific company, feel free to jump over to their website and give them your coverage information.

Independent or Exclusive: It’s your choice

When narrowing the list to find a good Oakland insurance agent, it can be helpful to understand the different types of agencies and how they can service your needs differently. Agents are either independent agents or exclusive agents depending on their employer.

Independent Agents (or Brokers)

Independent insurance agents do not write with just one company so they can insure your vehicles with multiple insurance companies and potentially find a lower price. If they find a cheaper price, an independent agent can move your coverage which makes it simple for you. When comparing rates, you will definitely want to include rate quotes from at least one independent agent to have the most options to choose from.

Featured below is a short list of independent insurance agencies in Oakland that can possibly get you competitive price quotes.

More insurance agents

Exclusive Agents

Agents in the exclusive channel generally can only insure with one company and examples are Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to provide other company’s prices so you need to shop around if the rates are high. Exclusive insurance agents receive extensive training on their company’s products which helps overcome the inability to quote other rates.

Shown below are Oakland exclusive agents that are able to give price quotes.

More insurance agents

Finding the right insurance agency requires you to look at more than just the bottom line cost. Below are some questions you should ask.

• Do they carry Errors and Omissions coverage?
• Can glass repairs be made at your home?
• Does the agency support the community they serve?
• Which companies can they place coverage with?
• Is the agent and/or agency licensed to do business in California?

Car insurance company ratings

Ending up with the right car insurance provider can be a challenge considering how many companies sell insurance in Oakland. The company rank data below can help you decide which car insurance providers to look at shopping your coverage with.

One last thing about your coverage

As you shop your coverage around, it’s a bad idea to sacrifice coverage to reduce premiums. In many cases, an accident victim reduced liability coverage limits only to regret at claim time that it was a big mistake. The ultimate goal is to purchase plenty of coverage at the best cost but still have enough coverage for asset protection.

In this article, we covered a lot of techniques to find cheap Chevy Aveo insurance in Oakland. The most important thing to understand is the more you quote Oakland auto insurance, the higher your chance of finding low cost Oakland auto insurance quotes. Consumers may even find the best price on insurance is with a lesser-known regional company. Some small companies may only write in your state and offer lower rates compared to the large companies like Allstate or State Farm.

Lower-priced insurance in Oakland can be purchased from both online companies and with local Oakland insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not provide online rate quotes and many times these regional insurance providers prefer to sell through independent insurance agencies.

To read more, feel free to browse these articles:

• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
• How Much are Car Insurance Rates for Teachers in Oakland? (FAQ)
• Who Has the Cheapest Oakland Auto Insurance for Welfare Recipients? (FAQ)
• Who Has Cheap Oakland Auto Insurance Quotes for Homeowners? (FAQ)
• Shopping for a Safe Car (Insurance Information Institute)
• Tools for Teen Driving Safety (State Farm)
• Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
• Your Car has been Stolen: Now What? (Allstate)