Best Ways to Save on Santa Ana Chevy Aveo Insurance

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A study showed that the majority of drivers kept their policy with the same company for a minimum of four years, and nearly half have never compared rates with other companies. Many drivers in America can save nearly 46.5% each year, but most just don't grasp the rate savings if they switched to a cheaper policy.

Insurance rates Chevy Aveo in Santa AnaIf you want to save money, the best way to get the cheapest car insurance rates is to make a habit of regularly comparing prices from companies in Santa Ana. Prices can be compared by following these steps.

  1. Get a basic knowledge of the coverage provided by your policy and the things you can change to drop your rates. Many rating factors that cause high rates such as accidents, traffic tickets, and a less-than-favorable credit rating can be improved by making minor changes to your lifestyle.
  2. Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from one company like GEICO or Farmers Insurance, while agents who are independent can provide prices from multiple sources.
  3. Compare the quotes to your existing coverage and determine if there is any savings. If you find a lower rate and switch companies, ensure coverage does not lapse between policies.

The key aspect of shopping around is that you use identical coverages on every quote request and and to get quotes from as many companies as feasibly possible. This ensures an apples-to-apples comparison and the best price selection.

Best companies for Chevy Aveo insurance

The providers in the list below are ready to provide price quotes in Santa Ana, CA. If multiple companies are listed, we recommend you compare several of them to get the best price comparison.

Auto insurance statistics and figures

The price information displayed below highlights detailed analysis of insurance rates for Chevy Aveo models. Having a good understanding how auto insurance prices are established can be valuable when making smart choices when selecting a policy.

Chevrolet Aveo Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Aveo LS 4-Dr Hatchback $204 $418 $450 $26 $134 $1,232 $103
Aveo LS 4-Dr Sedan $204 $418 $450 $26 $134 $1,232 $103
Aveo LT 4-Dr Hatchback $230 $418 $450 $26 $134 $1,258 $105
Aveo LT 4-Dr Sedan $230 $418 $450 $26 $134 $1,258 $105
Get Your Own Custom Quote Go

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Table data does not factor in specific Santa Ana garaging location which can alter price quotes considerably.

How high should deductibles be?

One common question asked by Santa Ana drivers is how high or low should comp and collision deductibles be. The data tables below can help illustrate the premium difference between high and low physical damage deductibles. The first rate estimation uses a $250 physical damage deductible and the second pricing table uses a $500 deductible.

Chevrolet Aveo insurance prices 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 prices with $500 deductibles
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
Get Your Own Custom Quote Go

Data based on 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, safe-driver, and homeowner. Table data does not factor in garaging location in Santa Ana which can raise or lower rates significantly.

Based on these figures, using a $250 deductible will cost in the ballpark of $18 more each month or $216 a year averaged for all Aveo models than selecting the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 14 months between claim filings, you would probably come out ahead by selecting a higher deductible.

Drive responsibly or pay higher rates

The illustration below highlights how traffic violations and accidents can impact Chevy Aveo insurance costs for different age groups. The rate quotes are based on a married female driver, full coverage, $500 deductibles, and no discounts are applied.

Male drivers versus female drivers

The chart below shows the difference between Chevy Aveo yearly insurance costs for male and female drivers. The premiums assume no violations or accidents, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no discounts are applied to the premium.

Do you need full coverage?

The diagram below shows the difference between Chevy Aveo yearly insurance costs with full physical damage coverage and with liability coverage only. The premium estimates are based on no claims or driving violations, $100 deductibles, drivers are single, and no discounts are factored in.

Should you be buying full coverage?

There isn't a steadfast formula to stop paying for physical damage insurance, but there is a general convention. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let's assume your Chevy Aveo replacement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $4,000 after the deductible is paid. If premiums are more than $400 annually for physical damage coverage, then you might want to think about dropping full coverage.

There are a few situations where dropping physical damage coverage is not advised. If you haven't satisfied your loan, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Informed Drivers Can Reduce Insurance Rates

Many different elements are used in the calculation when you quote your car insurance policy. A few of the factors are predictable like a motor vehicle report, but other criteria are more obscure such as your marital status or your commute time.

The itemized list below are a few of the things used by companies to determine your rate level.

  • Use one insurance company and save - Some insurance companies apply lower prices to customers who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even though this discount sounds good, it's still a good idea to check prices from other companies to help ensure you have the lowest rates.
  • Auto insurance rates and age - Inexperience drivers have a tendency to be careless and easily distracted when driving so auto insurance rates are higher. If you've ever had to add a youthful driver onto a policy can really hurt. Mature drivers have been proven to be more responsible, are lower risk to insure, and tend to be get fewer driving tickets.

    The next chart uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

  • Urban residents pay more - Choosing to live in a small town is a good thing when talking about auto insurance. Fewer drivers and short commutes means less chance of accidents and lower theft and vandalism rates. People in densely populated areas have to deal with more road rage incidents and more time behind the wheel. More time on the road means a statistically higher chance of an accident.
  • Liability coverage - Liability insurance kicks in if ever you are responsible for physical damage or personal injury to other. It will provide legal defense coverage which can cost a lot. Liability insurance is pretty cheap compared to other policy coverages, so buy as much as you can afford.
  • Credit rating impact auto insurance costs - Your credit score is a large factor in calculating your auto insurance rates. So if your credit history could use some work, you may save money insuring your Chevrolet Aveo by taking the time to improve your credit score. Consumers who have high credit scores tend to be better drivers and file fewer claims than those with lower credit ratings.
  • Lower rates for married couples - Having a spouse can get you a discount on your auto insurance policy. Having a significant other usually means you are more mature than a single person and statistics prove drivers who are married file infrequent claims.
  • Stay claim-free and reduce premiums - If you are a frequent claim filer, don't be surprised to see higher premiums or even policy non-renewal. Car insurance companies in California generally give better rates to policyholders who file claims infrequently. Your insurance policy is intended for more catastrophic claims.
  • Does your job raise your premiums? - Careers such as judges, executives, and miners tend to pay the highest average rates attributed to high stress levels and long work hours. On the flip side, jobs like scientists, athletes and retirees have lower than average premiums.

Do you qualify for discounts on Chevy Aveo insurance in Santa Ana?

Car insurance companies don't always publicize all discounts in an easy-to-find place, so we took the time to find a few of the more well known and the more hidden credits available to lower your premiums when you buy Santa Ana auto insurance online.Discount insurance

  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Student in College - Kids who live away from home to go to college and do not have access to a covered vehicle may be able to be covered for less.
  • Defensive Driver Discount - Passing a course teaching defensive driver skills can save you 5% or more if your company offers it.
  • Discounts for New Vehicles - Insuring a new Aveo can cost up to 25% less since newer vehicles are generally safer.
  • Government Employees - Active or former government employment can save as much as 8% with certain companies.
  • Responsible Driver Discount - Drivers who avoid accidents can get discounts for up to 45% lower rates than their less cautious counterparts.
  • Telematics Data Discounts - Insureds who allow companies to spy on where and when they drive through the use of a telematics system like In-Drive from State Farm and Progressive's Snapshot could see a rate decrease if they have good driving habits.

Remember that some credits don't apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comp or med pay. Even though the math looks like you can get free auto insurance, it just doesn't work that way.

The example below illustrates the comparison of Chevy Aveo insurance prices with and without policy discounts. The costs are based on a female driver, no violations or claims, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, multi-policy, homeowner, and safe-driver discounts applied.

Popular insurance companies and the discounts they provide are outlined below.

  • State Farm includes discounts for accident-free, Drive Safe & Save, Steer Clear safe driver discount, defensive driving training, and multiple autos.
  • Nationwide may have discounts that include accident-free, business or organization, Farm Bureau membership, multi-policy, easy pay, and anti-theft.
  • GEICO may offer discounts for defensive driver, five-year accident-free, air bags, multi-vehicle, daytime running lights, and driver training.
  • AAA policyholders can earn discounts including good driver, AAA membership discount, education and occupation, multi-policy, and anti-theft.
  • 21st Century may include discounts for student driver, automatic seat belts, defensive driver, early bird, and homeowners.
  • The Hartford has savings for defensive driver, anti-theft, vehicle fuel type, good student, air bag, and driver training.

Before you buy a policy, ask every prospective company how you can save money. Depending on the company, some discounts might not be offered in every state. To see companies who offer discounts in California, click here to view.

Local Santa Ana car insurance agents and car insurance

Some consumers would rather go talk to an agent and that is just fine! One of the great benefits of comparing car insurance online is that drivers can save money and get the best rates and still buy from a local agent. Buying insurance from neighborhood insurance agencies is still important in Santa Ana.

Insurance agency in Santa AnaFor easy comparison, once you complete this quick form, your insurance coverage information is submitted to agents in your area that can provide free Santa Ana auto insurance quotes and help you find cheaper coverage. There is no reason to contact any agents as quotes are delivered to your email. You can get cheaper car insurance rates AND a local agent. If you have a need to compare prices for a specific company, you would need to go to their quote page and fill out their quote form.

The type of auto insurance agent you choose is important

When finding a local Santa Ana insurance agency, it's helpful to know the types of insurance agents and how they operate. Car insurance policy providers are either exclusive agents or independent agents.

Independent Car Insurance Agents (or Brokers)

Agents of this type often have affiliation with several companies and that is an advantage because they can write policies with multiple insurance companies and get the cheapest rates. If they find a cheaper price, they can switch companies in-house and you can keep the same agent.

When shopping rates, we recommend you contact at least one independent agent in order to have the best price comparison.

Listed below is a short list of independent insurance agencies in Santa Ana that can give you price quotes.

400 N Tustin Ave # 425 - Santa Ana, CA 92705 - (714) 558-8041 - View Map

2107 N Broadway #108 - Santa Ana, CA 92706 - (714) 285-4800 - View Map

1913 17th St - Santa Ana, CA 92705 - (714) 246-8976 - View Map

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Exclusive Agencies

Agents that choose to be exclusive are contracted to one company and some examples include Allstate, State Farm and Farmers Insurance. They usually cannot provide prices from multiple companies so keep that in mind. Exclusive insurance agents are highly trained on their company's products and that can be a competitive advantage.

The following is a list of exclusive insurance agents in Santa Ana that can give you price quotes.

2323 N Tustin Ave, Ste E-F - Santa Ana, CA 92705 - (714) 203-6033 - View Map

2017 N Main St - Santa Ana, CA 92706 - (714) 515-8062 - View Map

1740 W Edinger Ave - Santa Ana, CA 92704 - (714) 556-5942 - View Map

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Deciding on an insurance agency should depend on more than just the quoted price. Some important questions to ask are:

  • How often do they review policy coverages?
  • Does the agency provide any after hours assistance?
  • Are there any discounts for paying up front?
  • Do the companies they represent have a solid financial rating?
  • Is working in the agency their full-time job?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Is the agent CPCU or CIC certified?
  • Are you getting all the discounts the company offers?

What insurance coverages do I need?

Always keep in mind that when comparing a policy for your vehicles, there is no one-size-fits-all type of policy. Your financial needs are unique so your insurance should reflect thatHigher deductibles save money These are some specific questions may help you determine if your insurance needs would benefit from professional advice.

  • How can I get the company to pay a claim?
  • When can I cancel my policy?
  • How can I get high-risk coverage after a DUI?
  • Should I buy only the required California minimum liability coverage?
  • What exactly is covered by my policy?
  • Can I still get insurance after a DUI?

If it's difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Quote. Compare. Save.

Cheaper insurance in Santa Ana is possible online and with local Santa Ana insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies may not have the ability to get a quote online and many times these small, regional companies prefer to sell through local independent agencies.

We covered a lot of ways to shop for Chevy Aveo insurance online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your prices. Drivers may even discover the most savings is with the smaller companies. These smaller insurers can often provide lower prices in certain areas compared to the large companies like State Farm and Allstate.

When searching for low cost Santa Ana auto insurance quotes, do not reduce needed coverages to save money. In many instances, someone dropped liability coverage limits only to discover later that the savings was not a smart move. Your goal should be to find the BEST coverage at the lowest possible cost, but don't skip important coverages to save money.

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