Are you sick and tired of sacrificing other expenses to make your car insurance payment? You’re in the same situation as the majority of other drivers in Texas.
Unbelievable but true according to a study the vast majority of consumers have bought car insurance from the same company for over three years, and 38% of drivers have never quoted car insurance rates at all. San Antonio drivers could save 70% a year by just comparing quotes, but most just don’t grasp the amount of money they would save if they bought a different policy. Drivers have multiple insurance companies to purchase coverage from, and though it is a good thing to be able to choose, so many choices can make it hard to compare rates for Chevy Aveo insurance in San Antonio.
Consumers should take time to quote other rates as often as possible since insurance prices are rarely the same from one policy term to another. Even if you got the lowest rates on Chevy Aveo insurance in San Antonio at your last renewal you may be paying too much now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the best methods to get good coverage on Chevy Aveo insurance in San Antonio at a lower rate.
Best companies for Chevy Aveo insurance
The auto insurance companies shown below provide comparison quotes in Texas. If multiple companies are listed, we suggest you visit two to three different companies to get a more complete price comparison.
Premium rates and analysis
The premium information displayed next highlights different insurance rates for Chevy Aveo models. Learning how insurance prices are figured helps drivers make informed purchases.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Aveo LS 4-Dr Hatchback||$254||$572||$430||$26||$128||$1,410||$118|
|Aveo LS 4-Dr Sedan||$254||$572||$430||$26||$128||$1,410||$118|
|Aveo LT 4-Dr Hatchback||$286||$572||$430||$26||$128||$1,442||$120|
|Aveo LT 4-Dr Sedan||$286||$572||$430||$26||$128||$1,442||$120|
|Get Your Own Custom Quote Go|
Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate quotes do not factor in vehicle location which can modify premiums significantly.
Bad driving habits will cost you more
The information below demonstrates how speeding tickets and at-fault accidents increase Chevy Aveo insurance costs for different age groups of insureds. The data assumes a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.
Companies offer lots of discounts on Chevy Aveo insurance in San Antonio
Some companies don’t list every policy discount in a way that’s easy to find, so we break down both the well known and also the lesser-known discounts you could be receiving when you buy San Antonio car insurance online.
- Waiver for an Accident – This one isn’t a discount, but some insurance companies allow you one accident before they charge you more for coverage as long as you don’t have any claims for a set time period.
- Smart Student Discounts – Being a good student may save you up to 25%. The discount lasts well after school through age 25.
- Seat Belt Discounts – Requiring all passengers to use their safety belts could save 15% on the premium charged for medical payments and/or PIP.
- Switch and Save Discount – Some companies give discounts for signing up before your current expiration date. You can save around 10% with this discount.
- Multiple Cars – Purchasing coverage when you have all your vehicles on a single policy could earn a price break for each car.
- Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems can help prevent theft and will qualify for a discount on a San Antonio car insurance quote.
- ABS Brakes – Vehicles with ABS braking systems or traction control are safer to drive and therefore earn up to a 10% discount.
- Cautious Drivers – Safe drivers can save as much as half off their rates as compared to drivers with claims.
It’s important to note that most discounts do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think you can get free auto insurance, it doesn’t quite work that way.
The example below illustrates the comparison of Chevy Aveo insurance costs with and without discounts applied. The rates are based on a female driver, no claims or driving violations, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, claim-free, homeowner, multi-car, and marriage discounts applied.
For a list of insurance companies that offer the discounts shown above in San Antonio, click here to view.
Get rate quotes but work with a local San Antonio insurance agent
Certain consumers still like to buy from a local agent and that is recommended in a lot of cases Licensed agents are trained to spot inefficiencies and will help you if you have claims. The best thing about comparing insurance prices online is you may find the best rates and still have a local agent.
After completing this simple form, your insurance coverage information is submitted to insurance agents in San Antonio who will give you quotes for your insurance coverage. It’s much easier because you don’t need to leave your house because prices are sent to your email. If you need to get a rate quote for a specific company, you just need to navigate to their website and fill out the quote form the provide.
Finding a good company requires you to look at more than just the bottom line cost. Any good agent in San Antonio should know the answers to these questions.
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Are there any discounts that you might be missing?
- How experienced are they in personal risk management?
- What is their Better Business Bureau rating?
- Will you get a loaner vehicle if you car is being repaired?
- How many years have they been established?
What types of car insurance agents are in San Antonio?
When searching for a good insurance agency, it’s helpful to know the types of insurance agents and how they function. Insurance agents are considered either exclusive or independent (non-exclusive). Both insure your vehicles, but it’s a good idea to understand how they differ because it may have an impact on which agent you choose.
Exclusive Insurance Agents
Exclusive agencies write business for a single company such as Allstate, State Farm and Farm Bureau. Exclusive agents are unable to provide rate quotes from other companies so you might not find the best rates. Exclusive insurance agents are usually quite knowledgeable on their company’s products and that can be a competitive advantage.
Shown below is a short list of exclusive insurance agents in San Antonio willing to provide comparison quotes.
Independent Insurance Agencies
These agents do not work for one specific company and that allows them to write policies amongst many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move your policy to a different company and you can keep the same agent.
When comparison shopping, you will want to get insurance quotes from at least one independent agent for maximum quote selection.
Shown below are San Antonio independent agents willing to provide price quote information.
Garcia Insurance Agency
1255 SW Military Dr – San Antonio, TX 78221 – (210) 593-8935 – View Map
Legion Insurance Agency
5309 Wurzbach Rd – San Antonio, TX 78230 – (210) 693-1501 – View Map
Mesquite Insurance Agency
501 W Quincy St – San Antonio, TX 78212 – (210) 472-3034 – View Map
Insurance coverage breakdown
Learning about specific coverages of insurance aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types available from insurance companies.
Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like hitting a mailbox, hitting a parking meter, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible on your Aveo to get cheaper collision coverage.
Liability auto insurance – Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 30/60/25 that means you have a $30,000 limit per person for injuries, a total of $60,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage pays for claims like legal defense fees, pain and suffering and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible. Texas requires minimum liability limits of 30/60/25 but you should consider buying more liability than the minimum.
The chart below shows why minimum state limits may not be adequate coverage.
Medical costs insurance – Med pay and PIP coverage provide coverage for immediate expenses like rehabilitation expenses, doctor visits, pain medications and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage
Comprehensive or Other Than Collision – This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like damage from a tornado or hurricane, theft, fire damage, falling objects and damage from flooding. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
UM/UIM Coverage – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your Chevy Aveo.
Due to the fact that many Texas drivers only carry the minimum required liability limits (Texas limits are 30/60/25), their limits can quickly be used up. So UM/UIM coverage is a good idea.
Cheap rates are available
We’ve covered a lot of information how to shop for Chevy Aveo insurance online. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers could even find that the biggest savings come from a smaller regional carrier. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, GEICO and Nationwide.
Cheaper Chevy Aveo insurance in San Antonio can be bought online in addition to local insurance agencies, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not offer internet price quotes and many times these small, regional companies only sell through independent insurance agents.
While you’re price shopping online, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where someone dropped liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find at an affordable rate, but do not skimp to save money.
To read more, feel free to visit the articles below:
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Who Has the Cheapest San Antonio Auto Insurance with Multiple Speeding Tickets? (FAQ)
- What Auto Insurance is Cheapest for Seniors in San Antonio? (FAQ)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Understanding Your Insurance Deductible (Insurance Information Institute)