If you want to save money, the best way to get cheaper Chevy Aveo insurance in Cincinnati is to annually compare prices from different companies in Ohio. Price quotes can be compared by completing these steps.
- Step 1: Get a basic knowledge of policy coverages and the changes you can make to prevent rate increases. Many risk factors that drive up the price such as speeding and a low credit score can be improved by making minor changes to your lifestyle. This article provides instructions to lower rates and get additional discounts that may have been overlooked.
- Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from one company like GEICO or Allstate, while agents who are independent can quote rates from multiple sources. View rates
- Step 3: Compare the new rates to your current policy premium and determine if there is any savings. If you find a lower rate, make sure there is no lapse between the expiration of your current policy and the new one.
The most important part of shopping around is that you’ll want to compare similar limits and deductibles on each quote and and to get quotes from every insurance company. Doing this provides a level playing field and maximum price selection.
Smart shoppers know that auto insurance companies don’t want you quoting rates from other companies. People who shop around annually are inclined to switch companies because of the good chance of finding coverage at a more affordable price. A recent car insurance study revealed that drivers who shopped around every year saved an average of $72 a month as compared to drivers who never compared other company’s rates.
If finding the cheapest rates on insurance is your goal, knowing how to get price quotes and compare auto insurance can make it easier to shop your coverage around.
If you have coverage now or just want to reduce your rates, you can follow these tips to save money without reducing protection. Buying affordable car insurance in Cincinnati is much easier if you know where to start. Comparison shoppers just have to know the most time-saving way to buy car insurance from many different companies online.
The companies shown below have been selected to offer free rate quotes in Cincinnati, OH. In order to find the best cheap car insurance in Cincinnati, we suggest you get rates from several of them to get the best price comparison.
Verify you’re earning every discount
Not too many consumers would say auto insurance is affordable, but there may be some discounts that could help you make your next renewal payment. Certain credits will be shown at quote time, but occasionally some discounts must be inquired about before you get the savings. If they aren’t giving you every credit possible, you’re just leaving money on the table.
- Payment Discounts – If you pay your bill all at once as opposed to paying monthly you may have a lower total premium amount.
- Accident-Free Discounts – Good drivers with no accidents get the best auto insurance rates when compared with bad drivers.
- Life Insurance – Larger auto insurance companies have a discounted premium rate on car insurance if you buy some life insurance in addition to your auto policy.
- Seat Belts Save – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 15% off the personal injury premium cost.
- Savings for New Vehicles – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
- Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen less frequently and qualify for as much as a 10% discount.
- Sign Early and Save – Some companies provide a discount for switching policies prior to the expiration date on your current Aveo insurance policy. It’s a savings of about 10%.
It’s important to understand that some credits don’t apply to your bottom line cost. Most only cut the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like all those discounts means the company will pay you, nobody gets a free ride.
The chart below illustrates the comparison of Chevy Aveo premium costs with and without discounts. The premium estimates are based on a male driver, no accidents or driving violations, Ohio 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 homeowner, safe-driver, multi-car, claim-free, multi-policy, and marriage discounts applied.
Companies that may include these money-saving discounts include:
Before purchasing a policy, check with every insurance company to apply every possible discount. Discounts may not apply to policies in your area.
Chevy Aveo coverage statistics
The rate table below outlines a range of prices for Chevy Aveo models. Learning more about how insurance policy premiums are calculated can be of help when making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Aveo LS 4-Dr Hatchback | $106 | $214 | $232 | $14 | $70 | $636 | $53 |
| Aveo LS 4-Dr Sedan | $106 | $214 | $232 | $14 | $70 | $636 | $53 |
| Aveo LT 4-Dr Hatchback | $118 | $214 | $232 | $14 | $70 | $648 | $54 |
| Aveo LT 4-Dr Sedan | $118 | $214 | $232 | $14 | $70 | $648 | $54 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in specific location information which can lower or raise coverage prices considerably.
The example below shows how choosing a deductible and can impact Chevy Aveo premium costs for different age groups of insureds. The rate quotes are based on a married male driver, full coverage, and no other discounts are factored in.
Reckless driving habits raise auto insurance rates
The illustration below shows how violations and at-fault accidents impact Chevy Aveo insurance rates for each age group. The rates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.
Chevrolet Aveo insurance premiums by gender and age
The example below illustrates the difference between Chevy Aveo insurance prices for male and female drivers. The rates are based on no driving violations, no at-fault accidents, full coverage, $100 deductibles, single marital status, and no discounts are taken into consideration.
Should I have guidance from a local insurance agent?
Many drivers just prefer to get advice from a local agent and that is a smart decision Professional insurance agents can help you build your policy and give you someone to call. One of the best bonuses of comparing insurance online is that you can obtain the best rates and still have a local agent.
By using this quick form, your insurance data is transmitted to companies in Cincinnati that provide free Cincinnati car insurance quotes and help you find cheaper coverage. There is no need to contact an agency due to the fact that quote results will go immediately to you. If you need to compare rates from a specific insurance company, feel free to visit that company’s website and fill out the quote form the provide.
Deciding on an provider is decision based upon more than just a cheap quote. The following questions are important to ask.
- Is the agent properly licensed in Ohio?
- Do they make recommendations based only on price?
- Can they help ensure a fair claim settlement?
- Do they have a Better Business Bureau rating in Cincinnati?
- Which family members are covered?
- Do they offer accident forgiveness?
Two types of Cincinnati car insurance agents
When searching for a reputable insurance agent or broker, you should know the different agency structures and how they function. Agents in Cincinnati are classified as either independent agents or exclusive agents. Both types can sell affordable insurance policies, but it’s a good idea to understand the subtle differences since it could factor into the type of agent you choose.
Exclusive Agencies
Agents of this type write business for a single company like Farmers Insurance or State Farm. They generally cannot provide prices from multiple companies so they really need to provide good service. Exclusive agents are well trained on their products and sales techniques which helps offset the inability to provide other markets.
Shown below are Cincinnati exclusive agents that can give you price quotes.
Farmers Insurance – Shellie Burke
4734 Vine St – Cincinnati, OH 45217 – (513) 242-2777 – View Map
Scott Clark – State Farm Insurance Agent
3011 W Galbraith Road – Cincinnati, OH 45239 – (513) 931-9292 – View Map
Chuck Detmering – State Farm Insurance Agent
2638 Kipling Ave – Cincinnati, OH 45239 – (513) 741-4500 – View Map
Independent Insurance Agents
Agents in the independent channel are normally appointed by many insurers so they can insure your vehicles through lots of different companies enabling the ability to shop coverage around. If your premiums go up, they simply move the coverage in-house which requires no work on your part. When comparing rates, we recommend you get several quotes from multiple independent agents so that you have a good selection of quotes to compare.
Listed below are Cincinnati independent agencies that are able to give comparison quotes.
Rick Hensley Insurance Agency
747 Ohio Pike – Cincinnati, OH 45245 – (513) 797-8300 – View Map
Ohio Insurance Center
7404 Hamilton Ave – Cincinnati, OH 45231 – (513) 522-6300 – View Map
Christenson Lewis Insurance Agency
4484 Mt Carmel Tobasco Rd – Cincinnati, OH 45244 – (513) 528-4222 – View Map
The coverage is in the details
Understanding the coverages of auto insurance aids in choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages available from auto insurance companies.
Collision – This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as crashing into a ditch, backing into a parked car, sustaining damage from a pot hole and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible on your Aveo to bring the cost down.
Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for prosthetic devices, EMT expenses, surgery, pain medications and doctor visits. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible
Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like damage from a tornado or hurricane, hail damage, falling objects and damage from getting keyed. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Auto liability – Liability coverage can cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.
Liability insurance covers things such as attorney fees, funeral expenses, medical services and legal defense fees. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford. Ohio requires minimum liability limits of 25/50/25 but drivers should carry higher limits.
The illustration below shows why the minimum limit may not be high enough to adequately cover claims.
Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chevy Aveo.
Since many Ohio drivers carry very low liability coverage limits (25/50/25 in Ohio), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.
Frequent quotes can save
In this article, we presented a lot of information how to save on Chevy Aveo insurance in Cincinnati. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a small local company. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.
As you shop your coverage around, make sure you don’t buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits and learned later that it was a big mistake. Your objective should be to purchase a proper amount of coverage at the best possible price, not the least amount of coverage.
To read more, link through to the articles below:
- Comprehensive Coverage (Liberty Mutual)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Neck Injury FAQ (iihs.org)