Save Money on Chevy Aveo Insurance in Los Angeles

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Insurance quote for Chevy Aveo in Los AngelesWant to learn how to find cheaper insurance rates in Los Angeles, CA? Los Angeles consumers have options when looking for the best price on Chevy Aveo insurance. They can either spend hours calling around trying to get quotes or leverage the internet to get rate quotes. There is a better way to compare insurance rates so you're going to learn the proper way to get price quotes for a Chevy and get the lowest price from Los Angeles insurance agents and online providers.

Locating the best rates in Los Angeles can really be easy if you know what you're doing. If you have a policy now, you will most likely be able to reduce premiums using this information. Drivers just have to learn the quickest method to find the lowest price using one simple form.

Low cost Chevy Aveo insurance prices in Los Angeles, CA

The companies shown below are our best choices to provide price comparisons in Los Angeles, CA. If more than one company is shown, we suggest you visit two to three different companies in order to get a fair rate comparison.

Chevy Aveo insurance rates and statistics

The table displayed next covers estimates of insurance prices for Chevy Aveo models. Being able to understand how policy premiums are established can be useful when making smart choices when purchasing an auto insurance policy.

Chevrolet Aveo Insurance Rates in Los Angeles, CA
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
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Table data does not factor in specific garaging location which can influence prices significantly.

Policy deductible comparison

One common question asked by Los Angeles drivers is how low should you set your deductibles. The comparisons below highlight how much more you'll pay between low and high coverage deductibles. The first data table uses a $250 physical damage coverage deductible and the second rate table uses a $1,000 deductible.

Chevrolet Aveo insurance policy rates 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 policy rates with $1,000 deductibles
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
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Data assumes 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, homeowner, and safe-driver. Premium costs do not factor in specific location information which can increase or decrease premiums substantially.

Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $35 more each month or $420 each year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 21 months between claim filings, you would save more money if you opt for a higher deductible.

Calculate deductible break even point

Average monthly premium for $250 deductibles: $139
Average monthly premium for $1,000 deductibles (subtract): - $104
Monthly savings from raising deductible: $35
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $35
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One important issue to know is that a higher deductible means you will have to cover more of the damage yourself when you file a claim. It will be required that you have some savings in the event you need to pay more for the deductible.

The example below shows how different deductible levels and can increase or decrease Chevy Aveo insurance prices for each age group. The price estimates are based on a single male driver, comp and collision included, and no policy discounts are applied.

Cautious drivers save money

The diagram below illustrates how traffic citations and at-fault claims impact Chevy Aveo annual premium costs for each age group. The data is based on a married female driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

Chevy Aveo insurance premiums by gender

The chart below visualizes the comparison of Chevy Aveo auto insurance costs for male and female drivers. The rate quotes are based on no violations or claims, full coverage, $1,000 deductibles, single marital status, and no discounts are taken into consideration.

Cut your insurance rates with discounts

Some insurers do not advertise every discount they offer very well, so the list below contains some of the best known as well as the least known insurance savings.Insurance discounts

  • Waiver for an Accident - This isn't a discount exactly, but some insurance companies will allow you to have one accident before raising your premiums if your claims history is clear for a certain period of time.
  • Telematics Discount - Drivers that enable companies to monitor where and when they drive by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they show good driving skills.
  • Seat Belts Save more than Lives - Buckling up and requiring all passengers to buckle their seat belts could save 15% on the premium charged for medical payments and/or PIP.
  • Employee of Federal Government - Having worked for a branch of the government could cut as much as 10% off but check with your company.
  • Sign Online - A few insurance companies may give you up to $50 for buying your policy online.
  • Safe Driver Discount - Drivers without accidents can get discounts for up to 45% lower rates than drivers with accident claims.
  • ABS Brakes - Cars and trucks with ABS braking systems or traction control can reduce accidents and will save you 10% or more on Aveo insurance in Los Angeles.
  • Savings for New Vehicles - Adding a new car to your policy is cheaper compared to insuring an older model.
  • Multi-car Discount - Buying insurance for all your vehicles on the same insurance policy could earn a price break for each car.
  • Discount for Life Insurance - Some companies give a discount if you purchase auto and life insurance together.

Policy discounts save money, but most discounts do not apply to the whole policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. Even though it appears you can get free auto insurance, insurance companies wouldn't stay in business.

The chart below shows the comparison of Chevy Aveo insurance costs with and without discounts being applied to the rates. The premiums are based on a male driver, no accidents or driving violations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, marriage, homeowner, safe-driver, and multi-policy discounts applied.

To choose insurance companies with discount insurance rates in Los Angeles, click this link.

Why you need Chevy vehicle insurance in California

Despite the fact that car insurance is not cheap in Los Angeles, insurance may be required for several reasons.

  • Almost all states have minimum mandated liability insurance limits which means state laws require a specific minimum amount of liability insurance coverage in order to drive the car. 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 Aveo, more than likely the lender will stipulate that you have physical damage coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank may buy a policy for your Chevy at a much higher premium rate and force you to reimburse them much more than you were paying before.
  • Car insurance preserves not only your vehicle but also your assets. Insurance will pay for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance will also pay attorney fees if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.

The benefits of having insurance definitely exceed the price paid, especially when you need to use it. In a recent study of 1,000 drivers, the average customer is overpaying more than $825 a year so you should quote rates each time the policy renews to ensure rates are competitive.

Everyone needs different auto insurance coverages

Always remember that when buying the right insurance coverage, there really is not a one-size-fits-all type of policy. Your financial needs are unique and your policy should reflect that.Drive safe and save For example, these questions can aid in determining whether your personal situation would benefit from professional advice.

  • Are my company tools covered if they get stolen?
  • Can I drive in Mexico and have coverage?
  • Is there a penalty for late payment?
  • How can I get my company to pay me more for my totaled car?
  • Is my state a no-fault state?
  • What does roadside assistance cover?

If it's difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Independent versus exclusive insurance agencies

Many people still prefer to sit down with an agent and that is OK! Agents are highly skilled in risk management and help you file claims. An additional benefit of comparing rates online is that you can obtain cheaper rates and still choose a local agent.

Insurance agents in Los AngelesAfter filling out this simple form, your insurance data gets sent to participating agents in Los Angeles that can provide free Los Angeles auto insurance quotes for your insurance coverage. You don't have to contact any agents as quotes are delivered immediately to your email address. If you wish to compare prices from a specific auto insurance provider, feel free to visit that company's website and fill out the quote form the provide.

Finding a good insurance company should depend on more than just the bottom line cost. Here are some questions you might want to ask.

  • Do the companies they represent have a solid financial rating?
  • Do they have 24-hour customer assistance?
  • Does the quote include credit and driving reports?
  • Are they primarily personal or commercial lines agents in Los Angeles?
  • Can you contact them at any time?
  • How long have they been in business?
  • Can you choose the body shop in case repairs are needed?
  • Is the agent CPCU or CIC certified?

The difference between Los Angeles auto insurance agents

When searching for a good insurance agency, you must know there are a couple different agency structures to choose from. Auto insurance agencies are classified as either exclusive agents or independent agents. Both write auto insurance policies, but it's a good idea to understand how they are different because it can impact the selection process.

Exclusive Auto Insurance Agents

These type of agents write business for a single company like American Family, State Farm, and Allstate. They usually cannot provide other company's prices so they have to upsell other benefits. Exclusive agents are usually well trained on the products they sell which helps them sell insurance even at higher premiums. Drivers often buy from exclusive agents mainly due to the brand legacy and the convenience of having all coverages with one company.

Listed below are exclusive insurance agencies in Los Angeles that are able to give rate quotes.

More Los Angeles agents

Independent Agents

Agents that elect to be independent often have affiliation with several companies so as a result can place your coverage through many companies depending on which coverage is best. To move your coverage to a new company, they can switch companies in-house and the insured can keep the same agent. If you are trying to find cheaper rates, we recommend you include multiple independent agents to have the best price comparison. Many can place coverage with smaller mutual companies which may provide better rates.

Below are independent insurance agents in Los Angeles that are able to give price quote information.

More Los Angeles agents

If you get acceptable answers for all questions you ask as well as an affordable premium quote, most likely you have located an insurance agency that meets the requirements to adequately provide auto insurance.