Cheapest Rates for Chevy Aveo Insurance in Pittsburgh

It goes without saying that auto insurance companies want to prevent you from shopping around. Consumers who shop around for a cheaper policy will presumably move their business because there is a great chance of finding good coverage at a lower price. A recent insurance study revealed that consumers who shopped around annually saved as much as $3,450 over four years compared to other drivers who never compared prices.

If finding budget-friendly Chevy Aveo insurance is your objective, then learning about how to shop for cheaper coverage can save money and time.

It takes a little time, but the best way to get the cheapest auto insurance rates is to do a yearly price comparison from providers in Pittsburgh. You can shop around by following these steps.

1. Spend a few minutes and learn about what coverages are included in your policy and the steps you can take to prevent expensive coverage. Many risk factors that cause high rates like at-fault accidents, careless driving, and an unacceptable credit history can be rectified by making minor changes in your lifestyle. Continue reading for more ideas to help prevent costly coverage and find more discounts that you may not know about.
2. Request rate estimates 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 independent agencies can quote prices from multiple companies.
3. Compare the new quotes to your current policy premium to see if you can save by switching companies. If you find a lower rate quote and make a switch, make sure there is no lapse in coverage.

One bit of advice is to try to use the same amount of coverage on every quote and and to get rates from every company you can. This enables an accurate price comparison and a complete rate analysis.

The auto insurance companies shown below provide quotes in Pennsylvania. To buy cheap car insurance in PA, we suggest you visit two to three different companies in order to get a fair rate comparison.

Car insurance analysis for a Chevy Aveo

The table shown next outlines detailed analysis of insurance policy prices for Chevy Aveo models. Being aware of how policy premiums are figured is important for drivers to make smart choices when purchasing an auto insurance policy.

Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Price estimates do not factor in your specific Pittsburgh location which can influence auto insurance rates considerably.

Raise deductibles and save

A question often asked by Pittsburgh drivers is which comprehensive and collision deductibles to buy. The premium rates below outline the rate fluctuation between high and low physical damage deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rates do not factor in specific Pittsburgh garaging location which can modify rates noticeably.

We can estimate from the data above that using a $250 deductible could cost the average driver approximately $27 more each month or $324 for a full year averaged for all Aveo models than choosing the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 28 months between claims, you would save money by going with a higher deductible.

Male drivers versus female drivers

The diagram below shows the comparison of Chevy Aveo insurance costs for male and female drivers. The data is based on no accidents or driving violations, full coverage, $500 deductibles, drivers are single, and no discounts are applied to the premium.

Cost comparison with and without full coverage

The chart below visualizes the comparison of Chevy Aveo car insurance costs when comparing full coverage to state minimum liability only. The price estimates are based on no violations or accidents, $500 deductibles, drivers are not married, and no discounts are applied.

When to drop comp and collision

There is no clear-cut rule of when to stop paying for full coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is about 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let’s say your Chevy Aveo book value is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $8,000 after paying your deductible. If you are paying over $800 annually for physical damage coverage, then it may be the right time to buy liability only.

There are some circumstances where buying only liability insurance is not advised. If you haven’t satisfied your loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not drop full coverage.

Companies offer money-saving discounts on Chevy Aveo insurance in Pittsburgh

Some insurance providers don’t list the complete list of policy discounts in an easy-to-find place, so we break down both well-publicized and also the more inconspicuous car insurance savings.

• Low Miles Discount – Keeping the miles down on your Chevy can qualify you for slightly better premium rates than normal.
• Pay Early and Save – By paying your policy upfront rather than spreading payments over time you can avoid monthly service charges.
• Anti-lock Brake System – Cars and trucks with ABS and/or traction control can avoid accidents and the ABS can save up to 10%.
• Multiple Cars – Buying a policy with primary and secondary vehicles with the same company can reduce rates for all insured vehicles.
• Lower Rates for Military – Being on active deployment in the military could mean lower car insurance rates.
• Driver Training Discounts – Taking a class that teaches defensive driver techniques could possibly earn you a 5% discount and easily pay for the cost of the class.
• College Student – Youth drivers who attend college more than 100 miles from Pittsburgh and leave their car at home may qualify for this discount.

A quick disclaimer, some of the credits will not apply to the entire policy premium. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Just because it seems like you could get a free car insurance policy, it doesn’t quite work that way.

The example below visualizes the comparison of Chevy Aveo yearly insurance costs with and without discounts applied to the rates. The premiums are based on a female driver, no violations or claims, Pennsylvania state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, claim-free, safe-driver, homeowner, and multi-car discounts applied.

To see companies who offer cheap Chevy Aveo insurance quotes in Pittsburgh in Pittsburgh, click this link.

Car insurance just makes sense

Even though Pittsburgh Aveo insurance rates can get expensive, car insurance may not be optional for several reasons.

First, most states have minimum mandated liability insurance limits which means state laws require a specific minimum amount of liability insurance coverage in order to license the vehicle. In Pennsylvania 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.

Second, if you bought your vehicle with a loan, it’s most likely the lender will stipulate that you have comprehensive coverage to guarantee payment of the loan. If you do not pay your insurance premiums, the bank may insure your Chevy at a significantly higher premium and require you to pay for the expensive policy.

Third, car insurance protects both your Chevy and your personal assets. Insurance will also pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense 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 pay to repair the damage minus the deductible amount.

The benefits of having car insurance more than offset the price you pay, especially with large liability claims. In a recent study of 1,000 drivers, the average customer is wasting up to $869 every year so compare rates once a year at a minimum to make sure the price is not too high.

Which auto insurance company is best in Pennsylvania?

Ending up with a highly-rated insurance company can be a challenge considering how many choices drivers have in Pittsburgh. The company information in the lists below may help you analyze which auto insurers to look at purchasing from.

Top 10 Pittsburgh Car Insurance Companies Ranked by Customer Service

1. Titan Insurance
2. The Hartford
3. American Family
4. Progressive
5. USAA
6. Travelers
7. State Farm
8. GEICO
9. Erie Insurance
10. Allstate

Top 10 Pittsburgh Car Insurance Companies Ranked by Value

1. The General
2. The Hartford
3. Titan Insurance
4. Farmers Insurance
5. 21st Century
6. Safeco Insurance
7. AAA Insurance
8. State Farm
9. Travelers
10. Progressive

When to get advice from a local insurance agent

A small number of people still like to get advice from a local agent and that is OK! Professional agents are trained risk managers and give you someone to call. One of the benefits of comparing car insurance online is you may find cheap rate quotes and still buy from a local agent. And supporting local insurance agents is definitely important in Pittsburgh.

After completing this short form, your coverage information is instantly submitted to agents in your area that give free quotes for your business. There is no need to search for any insurance agencies because quoted prices will be sent to you. If you have a need to quote rates from a specific car insurance provider, feel free to jump over to their website and fill out the quote form the provide.

Shown below are Pittsburgh auto insurance companies that are able to give rate quotes for Chevy Aveo insurance in Pittsburgh.

More Pittsburgh agents

Choosing the best insurer requires you to look at more than just the premium amount. These are some valid questions you should ask.

• Can they help ensure a fair claim settlement?
• Are they paid to recommend certain coverages?
• Is their price quote a firm figure or are their hidden costs?
• Do they offer accident forgiveness?
• What insurance company do they write the most business with?
• Do they prorate repair cost based on vehicle mileage?
• How much training do they have in personal risk management?
• How long have they been in business?

Auto insurance coverages and their meanings

Learning about specific coverages of your auto insurance policy can be of help when determining appropriate coverage for your vehicles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average auto insurance policy.

Collision coverage – This will pay to fix damage to your Aveo resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with a tree, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible on your Aveo in order to get cheaper collision rates.

Comprehensive coverages – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, damage from getting keyed and theft. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for expenses such as ambulance fees, hospital visits and pain medications. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Liability car insurance – This will cover injuries or damage you cause to other people or property that is your fault. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 15/30/5 which stand for $15,000 bodily injury coverage, $30,000 for the entire accident, and a total limit of $5,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like court costs, attorney fees, repair costs for stationary objects, bail bonds and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible. Pennsylvania requires drivers to carry at least 15/30/5 but you should think about purchasing more liability than the minimum.

The chart below demonstrates why the minimum limit may not provide you with enough coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law (Pennsylvania limits are 15/30/5), their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally these limits are set the same as your liability limits.