Are you doing reasearch to find lower-priced Chevy Aveo insurance in Phoenix? Finding low-cost insurance for a Chevy Aveo in Arizona can turn out to be an all-consuming task, but you can use our auto insurance buying tips and make it easy. There is a better way to buy auto insurance and we’ll show you the best way to compare rates for your Chevy and get the best price possible from Phoenix insurance agents and online providers.
It’s important to do price comparisons once or twice a year due to the fact that insurance rates change regularly. Even if you think you had the best premium rates on Chevy Aveo insurance in Phoenix at your last renewal the chances are good that you can find a lower price today. Block out anything you think you know about auto insurance because I’m going to teach you the fastest way to properly buy coverages and cut your premium.
Cheapest car insurance in Phoenix, AZ
The companies shown below provide quotes in Phoenix, AZ. If several companies are displayed, it’s highly recommended you visit several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Aveo LS 4-Dr Hatchback | $202 | $466 | $288 | $18 | $86 | $1,060 | $88 |
| Aveo LS 4-Dr Sedan | $124 | $284 | $314 | $18 | $94 | $834 | $70 |
| Aveo LT 4-Dr Hatchback | $254 | $450 | $306 | $18 | $92 | $1,120 | $93 |
| Aveo LT 4-Dr Sedan | $194 | $342 | $308 | $18 | $92 | $954 | $80 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Prices do not factor in vehicle location which can decrease or increase coverage prices greatly.
Careless drivers pay higher rates
The information below shows how violations and fender-benders can raise Chevrolet Aveo car insurance rates for different age groups. The prices are based on a married male driver, full coverage, $1,000 deductibles, and no discounts are factored in.
Analysis of deductible levels
The diagram below shows how choosing a deductible and can change Chevrolet Aveo yearly insurance costs for different categories of driver ages. The premiums assume a married female driver, full physical damage coverage, and no other discounts are factored in.
Earn discounts on Phoenix car insurance
The cost of insuring your cars can be expensive, but you might already qualify for some discounts that can dramatically reduce your bill. Certain credits will be shown at the time of purchase, but some must be specifically requested before you get the savings. If you check and find you aren’t receiving every discount possible, you’re paying more than you need to.
- Military Deployment Discount – Having a deployed family member can result in better premium rates.
- Telematics Devices – Policyholders that allow driving data collection to study vehicle usage by using a telematics device like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they show good driving skills.
- Government Employee Discount – Active or former government employment could qualify for a slight premium decrease with a few car insurance companies.
- Own a Home and Save – Just owning your own home can help you save on car insurance since owning and maintaining a home is proof of financial responsibility.
- Club Memberships – Affiliation with qualifying employment or professional organizations may earn a discount when shopping for car insurance.
A little disclaimer on discounts, most discount credits are not given to the entire policy premium. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though you would think adding up those discounts means a free policy, company stockholders wouldn’t be very happy.
A partial list of companies that may include most of these discounts include:
If you need cheaper Phoenix car insurance quotes, ask every company what discounts are available to you. Some credits might not be offered in Phoenix. If you would like to choose from a list of insurance companies that offer multiple discounts in Arizona, click here.
The Chevy Aveo Insurance Rate Equation
Multiple criteria are used in the calculation when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, but other criteria are not quite as obvious like your vehicle usage or your vehicle rating. Part of the car insurance buying process is learning a few of the rating criteria that help determine your premiums. When you know what positively or negatively determines premiums, this allows you to make good choices that will entitle you to big savings.
Shown below are some of the factors used by companies to determine premiums.
Higher physical damage deductibles cost less – Coverage for physical damage, also called comprehensive and collision insurance, is used to repair damage to your Chevy. Examples of some claims that would be covered are running into the backend of another car, hitting a deer, or theft. The deductibles you choose define the amount you are willing to pay out-of-pocket if the claim is covered. The larger the amount you choose to pay out-of-pocket, the better rate you will receive.
Pay more if you have a long commute – Having an address in less populated areas of the country may provide you with better prices when buying car insurance. People in densely populated areas have to deal with more auto accidents and much longer commute distances. Less people living in that area means reduced accidents and also fewer theft and vandalism claims.
Single drivers may pay higher costs – Your spouse may save some money compared to being single. Having a significant other generally demonstrates drivers are more stable financially and insurance companies reward insureds because drivers who are married file infrequent claims.
No car insurance claims equals cheaper prices – If you are a frequent claim filer, you can expect higher premiums or even policy non-renewal. Auto insurance companies in Arizona give discounts to policyholders that do not abuse their auto insurance. Your car insurance is intended to be relied upon for more catastrophic claims.
Credit score impacts premiums – An insured’s credit rating factor in your rate calculation. Therefore, if your credit rating leaves room for improvement, you could pay less to insure your Chevrolet Aveo by taking the time to improve your credit score. People that have very good credit scores tend to be more responsible than those with lower credit scores.
Save money by eliminating add-on coverages – There are a ton of extra coverages that may not really be needed on your car insurance policy. Coverage for things like vanishing deductibles, accidental death, and membership fees are probably not needed. The coverages may be enticing when deciding what coverages you need, but now you might not need them so get rid of them and save.
Safer cars cost less to insure – Safe vehicles get lower rates. The safest vehicles reduce occupant injuries and better occupant protection means less claims paid passed on to you as lower rates.
How’s your driving record? – Having a single speeding ticket could increase your next policy renewal to the point where it’s not affordable. Good drivers pay lower auto insurance prices than people who have multiple driving citations. Drivers with flagrant citations like reckless driving or DUI may need to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to continue driving.
Do I need special coverages?
When selecting the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is a little different.
Here are some questions about coverages that might point out whether your personal situation could use an agent’s help.
- When should I remove my kid from my policy?
- What if I don’t agree with a claim settlement offer?
- Is extra glass coverage worth it?
- Should I buy more coverage than the required Arizona minimum liability coverage?
- Does my policy cover me when driving someone else’s vehicle?
- What is high-risk coverage and where do I buy it?
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.
Local agents and auto insurance
Some people just prefer to sit down with an agent and often times that is recommended Most agents can help you build your policy and help in the event of a claim. The biggest benefit of getting free rate quotes online is you may find lower rates and still buy from a local agent.
Upon completion of this simple form, your insurance coverage information gets sent to local insurance agents that can provide free Phoenix car insurance quotes for your business. It’s much easier because you don’t need to leave your house since price quotes are sent straight to your inbox. If you want to get a rate quote from a specific auto insurance provider, don’t hesitate to jump over to their website and fill out their quote form.
Finding a good company requires more thought than just a cheap price quote. Any good agent in Phoenix should know the answers to these questions.
- Do they reduce claim amounts on high mileage vehicles?
- How are they compensated?
- How does the company pay claims for a total loss?
- Will a damage claim use OEM or aftermarket replacement parts?
- Are you getting all the discounts the company offers?
If you are wanting to purchase auto insurance from a good Phoenix insurance agent, there are a couple of different types of agencies and how they can write your policy. Agents in Phoenix are classified as either independent or exclusive. Either type can sell auto insurance policies, but it is a good idea to know why they differ because it can impact the type of agent you choose.
Exclusive Agents
Agents in the exclusive channel are contracted to one company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. They usually cannot provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. These agents are usually well trained in insurance sales which helps them sell insurance even at higher premiums. Consumers frequently purchase coverage from exclusives mostly because of high brand loyalty and strong financial ratings.
Listed below are exclusive insurance agents in Phoenix who can help you get comparison quotes.
- John Abercrombie III – State Farm Insurance Agent
7207 N 7th St – Phoenix, AZ 85020 – (602) 906-0299 – View Map - Mattie Taylor – State Farm Insurance Agent
4225 W Bell Rd – Phoenix, AZ 85053 – (602) 938-4491 – View Map - Justin Crain – State Farm Insurance Agent
6146 N 35th Ave #103 – Phoenix, AZ 85017 – (602) 242-4141 – View Map
Independent Agents
Agents of this type are appointed with more than one company so as a result can place your coverage with multiple insurance companies and find you cheaper rates. To move your coverage to a new company, your agent can just switch to a different company which requires no work on your part. When comparing auto insurance prices, you need to check rates from a couple of independent agencies to get the most accurate price comparison. Most can insure with additional companies that you may not be familiar with who may have lower rates.
The following are Phoenix independent agents that are able to give price quotes.
- Fasula Kaplan Insurance Agency
11022 N 28th Dr Suite 125 – Phoenix, AZ 85029 – (602) 564-0880 – View Map - Independent Insurance Agents
333 E Flower St – Phoenix, AZ 85012 – (602) 956-1851 – View Map - LA Insurance Agency
7602 S Central Ave – Phoenix, AZ 85042 – (602) 276-0002 – View Map
After receiving acceptable answers to any questions you may have as well as offering an affordable quote, chances are good that you have found an insurance agent that is reputable and can properly insure your vehicles. But remember, it’s your policy and you can terminate coverage whenever you want so don’t assume that you are permanently stuck with a specific agent for the full term.
Cheaper car insurance rates are out there
As you shop your coverage around, it’s not a good idea to sacrifice coverage to reduce premiums. In many instances, someone sacrificed collision coverage only to regret that the few dollars in savings costed them thousands. The aim is to buy enough coverage at the best possible price, not the least amount of coverage.
Budget-friendly car insurance in Phoenix is possible from both online companies and also from your neighborhood Phoenix agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies may not provide online quoting and usually these regional carriers prefer to sell through independent agencies.
Drivers change insurance companies for any number of reasons including questionable increases in premium, unfair underwriting practices, delays in responding to claim requests and high rates after DUI convictions. No matter why you want to switch, switching car insurance companies is not as hard as you think.
To learn more, link through to the resources below:
- Credit Impacts Car Insurance Rates (State Farm)
- Who Has Affordable Auto Insurance for a Honda Civic in Phoenix? (FAQ)
- How Much are Car Insurance Rates for a Chevrolet Equinox in Phoenix? (FAQ)
- What Insurance is Cheapest for Infrequent Drivers in Phoenix? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Government Employees in Phoenix? (FAQ)
- Who Has Cheap Phoenix Auto Insurance Quotes for a Ford Explorer? (FAQ)
- Distracted Driving Extends Beyond Texting (State Farm)
- Distracted Driving Statistics (Insurance Information Institute)