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.

Insurance for Chevy AveoAstonishing 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.

Chevrolet Aveo Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Aveo LS 4-Dr Hatchback $206 $490 $534 $32 $160 $1,422 $119
Aveo LS 4-Dr Sedan $206 $490 $534 $32 $160 $1,422 $119
Aveo LT 4-Dr Hatchback $234 $490 $534 $32 $160 $1,450 $121
Aveo LT 4-Dr Sedan $234 $490 $534 $32 $160 $1,450 $121
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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.

Chevrolet Aveo insurance premium estimates with $250 deductibles
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
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Chevrolet Aveo insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Aveo LS 4-Dr Hatchback $278 $546 $442 $26 $132 $1,424 $119
Aveo LS 4-Dr Sedan $278 $546 $442 $26 $132 $1,424 $119
Aveo LT 4-Dr Hatchback $314 $546 $442 $26 $132 $1,460 $122
Aveo LT 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
Get Your Own Custom Quote Go

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 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.

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.Cheaper car insurance with discounts

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:

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.Auto insurance savings
These are some specific questions could help you determine if your insurance needs would benefit from an agent’s advice.

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.

Find insurance agent in OaklandFor 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.

1942 EmbarcaderoOakland, CA 94606(510) 437-1900View Map

1714 Franklin St Suite 305Oakland, CA 94612(510) 655-6969View Map

523 47th StOakland, CA 94609(510) 653-8880View Map

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.

745 E 12th St #101Oakland, CA 94606(510) 465-2029View Map

4323 Piedmont AveOakland, CA 94611(510) 428-2016View Map

4490 Piedmont AveOakland, CA 94611(510) 658-9616View Map

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.

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.

Top Car Insurance Companies in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

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.

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