How long has it been since you compared cheaper Chevy Aveo insurance in Austin? Nobody that owns a car loves paying for auto insurance, particularly when they could lower their rates if they shopped around.
Remarkably, a study showed that the vast majority of drivers have stayed with the same insurance company for at least the last four years, and almost half have never taken the time to shop around. With the average auto insurance premium being $1,847, U.S. drivers could save up to $859 every year just by getting comparison quotes, but they just don’t want to compare rates and save money.
Lots of insurance companies contend for your insurance dollar, and because of this it can be hard to compare insurance companies to discover the definitive best rates possible on Chevy Aveo insurance in Austin.
Auto insurance discounts are available to lower rates
Some providers don’t list every discount they offer in an easy-to-find place, so the following list contains a few of the more common as well as some of the hidden discounts that you may qualify for. If you do not double check each discount you qualify for, you could be getting lower rates.
- Onboard Data Collection – Insureds who allow their auto insurance company to look at where and when they drive by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they exhibit good driving behavior.
- Full Payment Discount – By paying your entire bill at once rather than paying in monthly installments you could save up to 5%.
- No Claims – Drivers who don’t have accidents can earn big discounts compared to insureds who have frequent claims or accidents.
- Include Life Insurance and Save – Larger auto insurance companies have a discounted price on car insurance if you buy a life insurance policy as well.
- Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up before driving could save 15% on medical payment and PIP coverage.
- Savings for New Vehicles – Adding a new car to your policy is cheaper since newer vehicles are generally safer.
- Anti-theft System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
- Discount for Swiching Early – Some auto insurance companies give discounts for signing up prior to your current Aveo insurance policy expiring. It’s a savings of about 10%.
- ABS Braking Discount – Cars that have anti-lock braking systems can stop better under adverse conditions and will save you 10% or more on Aveo insurance in Austin.
Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. Even though it appears you could get a free auto insurance policy, it’s just not the way it works.
Large auto insurance companies and a partial list of their discounts are:
- 21st Century has savings for homeowners, early bird, 55 and older, theft prevention, driver training, good student, and teen driver.
- State Farm may have discounts that include driver’s education, good driver, anti-theft, accident-free, passive restraint, student away at school, and Steer Clear safe driver discount.
- AAA offers premium reductions for AAA membership discount, multi-policy, anti-theft, education and occupation, good student, and good driver.
- Liberty Mutual discounts include new move discount, multi-policy, good student, teen driver discount, new graduate, and preferred payment discount.
- Progressive offers discounts including multi-vehicle, online signing, good student, homeowner, and continuous coverage.
Double check with every prospective company the best way to save money. Some credits may not apply to policies in Austin. If you would like to view auto insurance companies who offer free Chevy Aveo insurance quotes in Texas, click here.
Keep in mind that comparing a wide range of rates provides better odds of finding better pricing. Not every company does online price quotes, so it’s important to also get quotes from the smaller companies as well.
The car insurance companies shown below are our best choices to provide comparison quotes in Austin, TX. If multiple companies are shown, we recommend you visit as many as you can to find the most competitive car insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Aveo LS 4-Dr Hatchback | $252 | $580 | $358 | $22 | $108 | $1,320 | $110 |
| Aveo LS 4-Dr Sedan | $294 | $584 | $382 | $22 | $114 | $1,396 | $116 |
| Aveo LT 4-Dr Hatchback | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Aveo LT 4-Dr Sedan | $256 | $486 | $358 | $22 | $108 | $1,230 | $103 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can impact coverage prices significantly.
Chevrolet Aveo insurance rates by age and gender
The chart below shows the comparison of Chevrolet Aveo premium costs for male and female drivers. The information is based on no tickets, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, drivers are single, and no policy discounts are applied.
Higher deductibles lower rates
The information below illustrates how your deductible choice and can influence Chevrolet Aveo premium costs for different ages of insureds. The premiums assume a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
An analysis of deductible level
One frequently asked question is how high should the physical damage coverage deductibles be. The following insurance rates highlight the premium difference when you buy lower versus higher policy deductibles. The first rate comparisons uses a $100 deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Aveo LS 4-Dr Hatchback | $328 | $698 | $382 | $22 | $114 | $1,569 | $131 |
| Aveo LS 4-Dr Sedan | $328 | $698 | $382 | $22 | $114 | $1,569 | $131 |
| Aveo LT 4-Dr Hatchback | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Aveo LT 4-Dr Sedan | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Aveo LS 4-Dr Hatchback | $182 | $368 | $382 | $22 | $114 | $1,068 | $89 |
| Aveo LS 4-Dr Sedan | $182 | $368 | $382 | $22 | $114 | $1,068 | $89 |
| Aveo LT 4-Dr Hatchback | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Aveo LT 4-Dr Sedan | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in specific garaging location which can increase or decrease prices considerably.
Based on the above data, using a $100 deductible costs approximately $43 more each month or $516 a year than selecting the higher $1,000 deductible. Because you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 21 months between claim filings, you would probably be better off if you choose a higher deductible.
You Can Change Your Insurance Premiums
Smart consumers have a good feel for the factors that are used to determine your premiums. When consumers understand what influences your rates, this allows you to make educated decisions that can help you get lower rates.
Is your vehicle theft-ready? – Selecting a car model with a theft deterrent system can save you some money. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft.
Car insurance policy lapses increase rates – Having a lapse in insurance coverage can be a quick way to increase your rates. Not only will rates go up, being ticketed for driving with no insurance could earn you a fine, jail time, or a revoked license. You will then be forced to provide proof of insurance in the form of an SR-22 filing with the Texas department of motor vehicles.
Excellent credit equals lower prices – Having a bad credit history factor in determining what you pay. If your credit rating is low, you could potentially save money when insuring your Chevrolet Aveo by improving your credit score. Consumers who have excellent credit tend to be more responsible than those with poor credit.
Save money with higher coverage deductibles – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Chevy. Some coverage claims are a windshield shattered by a rock, hail damage, or theft. Comp and collision deductibles represent how much money you are required to spend before a claim is paid by your company. The more you choose to pay out-of-pocket, the less your car insurance will be.
Incidental coverages could be costing you – Policies have add-on coverages that may not really be needed if you aren’t careful. Coverage for things like coverage for rental cars, high-cost glass coverage, and membership fees could be just wasting money. They may seem good when buying your policy, but if you have no use for them remove them and pocket the money.
What’s your car’s IIHS safety rating? – Vehicles with good safety scores get lower rates. The safest vehicles have better occupant injury protection and fewer injuries means less money paid by your insurance company and cheaper rates on your policy. If your Chevy has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
What insurance coverages do I need?
When choosing insurance from an agent or online for your vehicles, there really is no one-size-fits-all type of policy. You are unique and your policy should reflect that. Here are some questions about coverages that can help discover whether you may require specific advice.
- Do I have coverage for damage caused while driving under the influence?
- Do I have any recourse if my insurance company denies a claim?
- What is roadside assistance coverage?
- When should I not file a claim?
- How does medical payments coverage work?
- Am I covered by my spouse’s policy after a separation?
- Should I bundle my homeowners policy with my auto?
- Am I covered if I wreck a rental car?
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier
Local Austin car insurance agents and insurance
Many drivers still prefer to have an agent’s advice and doing so can bring peace of mind One of the great benefits of price shopping on the web is that you can obtain cheap insurance rates and still have a local agent. And supporting neighborhood insurance agencies is important especially in Austin.
For easy comparison, once you complete this form (opens in new window), the quote information is submitted to local insurance agents that give free quotes for your insurance coverage. It’s much easier because you don’t need to visit any agencies since price quotes are sent directly to your email. You can most likely find cheaper rates without having to waste a lot of time. If you want to quote rates from a specific insurance provider, you can always find their quoting web page to submit a rate quote request.
When searching for a local insurance agency, you must know there are a couple different agency structures and how they are slightly different. Agencies in Austin can either be exclusive agents or independent agents.
Independent Insurance Agencies
Independent insurance agents can quote rates with many companies and that gives them the ability to insure through lots of different companies and find you the best rates. If you are not satisfied with one company, the business is moved internally which is easy for the insured. If you need lower rates, we recommend you contact a couple of independent agencies for the best price selection.
Featured below is a list of independent insurance agencies in Austin that can possibly get you price quote information.
Starr Insurance Agency
8801 Research Blvd #104 – Austin, TX 78758 – (512) 586-2000 – View Map
E-Z Insurance – South
4011 S 1st St – Austin, TX 78745 – (512) 443-9700 – View Map
Greater Austin Insurance Inc
11824 Jollyville Rd # 202 – Austin, TX 78759 – (512) 250-1777 – View Map
Exclusive Insurance Agents
Agents in the exclusive channel can usually just insure with one company such as Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot provide rate quotes from other companies so you need to shop around if the rates are high. They are very knowledgeable on their company’s products which helps offset the inability to provide other markets.
The following is a short list of exclusive agents in Austin willing to provide comparison quotes.
Nancy Callahan – State Farm Insurance Agent
3500 Jefferson St #313 – Austin, TX 78731 – (512) 451-7573 – View Map
Greg Pearson – State Farm Insurance Agent
8705 Shoal Creek Blvd #102 – Austin, TX 78757 – (512) 451-0188 – View Map
State Farm: Dick Clay
3006 Bee Cave Rd Suite B170 – Austin, TX 78746 – (512) 328-2340 – View Map
Finding a good auto insurance agent should depend on more than just the price. These are valid questions to ask:
- Do they offer claims assistance after hours?
- Has the agent ever had any license suspensions?
- Do they have any clout with companies to ensure a fair claim settlement?
- How often do they review coverages?
- Do they assist clients in filing claims?
Three reasons to not skimp on auto insurance
Despite the high insurance cost for a Chevy Aveo in Austin, auto insurance is mandatory in Texas but it also protects more than you think.
- Most states have minimum liability requirements which means state laws require a specific minimum amount of liability protection if you don’t want to risk a ticket. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your Chevy Aveo, almost all lenders will have a requirement that you have full coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank or lender will purchase a policy for your Chevy at a more expensive rate and force you to reimburse them a much higher amount than you were paying before.
- Auto insurance preserves not only your Chevy but also your assets. Insurance will pay for medical expenses that are the result of an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance more than offset the price you pay, particularly when you have a large claim. According to a recent study, the average American driver is overpaying more than $750 every year so you should quote your policy with other companies at every policy renewal to ensure rates are competitive.
You can find cheaper coverage
When getting Austin auto insurance quotes online, it’s very important that you do not sacrifice coverage to reduce premiums. In too many instances, an insured dropped collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible at the best possible price, but don’t skip important coverages to save money.
Cheaper Chevy Aveo insurance in Austin can be bought from both online companies and with local Austin insurance agents, so get free Austin auto insurance quotes from both of them to get a complete price analysis. A few companies do not provide rate quotes online and many times these smaller companies only sell through independent insurance agencies.
We just showed you a lot of information how to find lower-cost Chevy Aveo insurance in Austin. The key thing to remember is the more rate quotes you have, the better your chances of lowering your premium rates. You may even be surprised to find that the best auto insurance rates are with a lesser-known regional company. They can often insure niche markets at a lower cost than their larger competitors like Allstate, GEICO and Progressive.
More tips and info about car insurance is available in the articles below:
- State Car Insurance Guides (GEICO)
- Who Has the Cheapest Austin Car Insurance for Drivers with Accidents? (FAQ)
- How Much are Austin Auto Insurance Rates for Teenage Females? (FAQ)
- Who Has Cheap Austin Auto Insurance for Postal Workers? (FAQ)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Airbag FAQ (iihs.org)