Compare Chevy Aveo Insurance Rate Quotes in Columbus

It’s hard to believe, but about 70% of customers have bought auto insurance from the same company for a minimum of four years, and roughly 40% of drivers have never taken the time to shop around. American insurance shoppers can save up to $850 each year just by shopping around, but most just don’t grasp how much they could save if they bought a different policy.

Insurance quote for Chevy Aveo in ColumbusIt takes a few minutes, but the best way to get affordable Chevy Aveo insurance is to regularly compare prices from providers in Columbus.

Step 1: It will benefit you to learn about what is in your policy and the things you can control to keep rates in check. Many policy risk factors that result in higher rates such as accidents, careless driving, and a poor credit score can be rectified by making small lifestyle or driving habit changes. Keep reading for tips to lower rates and earn a bigger discount.

Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like Progressive or Allstate, while agents who are independent can give you price quotes from multiple sources.

Step 3: Compare the quotes to your current policy premium to see if cheaper Aveo coverage is available in Columbus. If you find a lower rate quote and buy the policy, make sure coverage does not lapse between policies.

A good tip to remember is that you use the same deductibles and limits on every quote and and to get prices from all possible companies. Doing this provides an apples-to-apples comparison and a thorough price selection.

Don’t neglect these discounts

Auto insurance companies do not list all discounts very well, so we researched some of the more common and also the lesser-known discounts that you can inquire about if you buy Columbus auto insurance online. If you are not receiving all the discounts available, you could be saving more on your car insurance.

One last thing about discounts, most of the big mark downs will not be given to the entire policy premium. Most only reduce the cost of specific coverages such as comp or med pay. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way.

The illustration below compares Chevy Aveo insurance premiums with and without discounts. The data is based on a male driver, no claims, a clean driving record, Ohio state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-car, safe-driver, claim-free, and multi-policy discounts applied.

If you would like to view insurers that provide some of the discounts listed above in Ohio, click here to view.

The providers in the list below are ready to provide quotes in Columbus, OH. If multiple providers are shown, we suggest you visit two to three different companies in order to get a fair rate comparison.

Analysis of coverages

The premium table shown next covers a range of rate quotes for Chevy Aveo models. Understanding how policy rates are calculated can assist in making decisions on which insurance to purchase.

Chevrolet Aveo Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Aveo LS 4-Dr Hatchback $120 $270 $306 $18 $92 $806 $67
Aveo LS 4-Dr Sedan $120 $270 $306 $18 $92 $806 $67
Aveo LT 4-Dr Hatchback $136 $270 $306 $18 $92 $822 $69
Aveo LT 4-Dr Sedan $136 $270 $306 $18 $92 $822 $69
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Premium amounts do not factor in vehicle location which can modify coverage rates substantially.

Higher deductibles lower rates

One of the more difficult decisions when buying auto insurance is where should you set your physical damage deductibles. The figures shown below outline the difference in cost of buying low and high physical damage deductibles. The first data set uses a $100 deductible and the second rate table uses a $500 deductible.

Chevrolet Aveo insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Aveo LS 4-Dr Hatchback $196 $416 $226 $14 $68 $945 $79
Aveo LS 4-Dr Sedan $196 $416 $226 $14 $68 $945 $79
Aveo LT 4-Dr Hatchback $220 $416 $226 $14 $68 $969 $81
Aveo LT 4-Dr Sedan $220 $416 $226 $14 $68 $969 $81
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Chevrolet Aveo insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Aveo LS 4-Dr Hatchback $142 $280 $226 $14 $68 $730 $61
Aveo LS 4-Dr Sedan $142 $280 $226 $14 $68 $730 $61
Aveo LT 4-Dr Hatchback $160 $280 $226 $14 $68 $748 $62
Aveo LT 4-Dr Sedan $160 $280 $226 $14 $68 $748 $62
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in garaging location in Columbus which can impact price quotes substantially.

Based on this data, using a $100 deductible costs approximately $18 more each month or $216 for a full year than quoting the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 22 months between claim filings, you would save money if you choose the higher deductible. Here is a better example of how you can make your own decision.

Average monthly premium for $100 deductibles: $80
Average monthly premium for $500 deductibles (subtract): – $62
Monthly savings from raising deductible: $18
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 22 months

An important sidenote is that raising deductibles to save money means you pay more out-of-pocket when you do file a claim. That will require enough extra savings in the event you need to pay more to get your vehicle repaired.

The chart below demonstrates how deductibles and can increase or decrease Chevy Aveo insurance costs for each age group. The data is based on a single female driver, full physical damage coverage, and no other discounts are factored in.

Chevrolet Aveo insurance rates: Men versus women

The example below shows the comparison of Chevy Aveo insurance rates for male and female drivers. The premiums are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, marital status is single, and no policy discounts are applied.

How You Can Control Chevy Aveo Insurance Premiums

The best way to find cheaper insurance is to take a look at the different types of things that are used to determine your insurance rates. When you know what positively or negatively determines base rates, this allows you to make educated decisions that could result in cheaper rates.

Certain jobs raise rates – Did you know your occupation can influence how much you pay for insurance? Careers such as doctors, architects, and accountants usually pay higher premiums than the average policyholder because of high stress and lengthy work days. Conversely, jobs such as actors, historians and performers pay the least.

Deter vehicle theft – Owning a car with an alarm system can help lower your premiums. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent auto theft and help lower rates.

Pay less with a high NHTSA crash test rating – Cars with five star safety ratings can get you lower premiums. Vehicles engineered for safety reduce injuries and any reduction in injury severity means less claims paid passed on to you as lower rates. If the Chevy Aveo is rated at a minimum four stars on or an “acceptable” rating on it may cost less to insure.

Married drivers get better costs – Being married actually saves money on your insurance bill. Having a spouse demonstrates that you tend to be more mature and statistics show married couples file fewer claims.

Stay claim-free and save money – Companies in Ohio generally give the best rates to drivers who file claims infrequently. If you frequently file small claims, you can expect either higher rates or even cancellation. Insurance coverage is meant to be used in the event of larger claims.

Exclusive versus independent insurance agents

A lot of people would rather talk to an insurance agent and doing that can be a smart decision Licensed agents can answer important questions and help you file claims. A good thing about comparing car insurance online is that drivers can save money and get cheap car insurance quotes but still work with a licensed agent.

Insurance agents in ColumbusUpon completion of this short form, your coverage information is instantly submitted to companies in Columbus who can give free rate quotes for your coverage. You don’t have to search for an agent since rate quotes are delivered to the email address you provide. If you need to compare rates from a specific company, you would need to find their quoting web page and give them your coverage information.

Choosing the best insurer should include more criteria than just a cheap price. Any good agent in Columbus should know the answers to these questions.

If you are wanting to find a reputable insurance agent or broker, it can be helpful to understand the different types of agencies and how they operate. Car insurance agencies may be either independent agents or exclusive agents. Both sell car insurance policies, but it’s good to learn the differences because it can influence buying decisions.

Exclusive Car Insurance Agents

Agents that choose to be exclusive write business for a single company such as State Farm or Allstate. They usually cannot give you multiple price quotes so they really need to provide good service. Exclusive agents receive extensive training in insurance sales which helps them compete with independent agents. Many people buy from exclusive agents partially due to the prominent brand name and strong financial ratings.

Below is a list of exclusive insurance agencies in Columbus who can help you get price quotes.

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Independent Car Insurance Agents

Independent insurance agents do not work for one specific company so as a result can place your coverage with multiple insurance companies and possibly get better coverage at lower prices. If you want to switch companies, they simply move the coverage in-house and that require little work on your part. If you are comparing car insurance prices, it’s recommended you get some free quotes from several independent insurance agents in order to have the best price comparison. Many write coverage with less well-known companies that can offer cheaper rates than bigger companies.

The following are Columbus independent insurance agents that can give you comparison quotes.

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Protect your Aveo and other assets

Despite the high insurance cost for a Chevy Aveo in Columbus, maintaining insurance may not be optional for several reasons.

The benefits of buying car insurance definitely exceed the cost, specifically if you ever have a liability claim. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $865 each year so it’s recommended you shop around at every renewal to ensure rates are competitive.

Get the best coverage at the best price

Drivers change insurance companies for a variety of reasons including policy non-renewal, policy cancellation, not issuing a premium refund or even poor customer service. Regardless of your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

Cheaper Chevy Aveo insurance in Columbus can be sourced on the web and from local agencies, so you need to shop Columbus auto insurance with both in order to have the best price selection to choose from. Some insurance companies may not provide internet price quotes and many times these smaller providers prefer to sell through local independent agents.

When searching for cheaper Columbus auto insurance quotes, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many cases, someone dropped liability coverage limits and discovered at claim time that it was a big error on their part. Your strategy should be to buy the best coverage you can find for the lowest cost, not the least amount of coverage.

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