Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Trust us, there are many people just like you.
There is such a variety of insurance companies to choose from, and although it’s a good thing to have a choice, it can be more difficult to locate the cheapest rates.
It’s smart to price shop coverage periodically because prices are adjusted regularly by insurance companies. Just because you found the lowest price on Aveo5 coverage two years ago you can probably find a lower rate today. Starting now, ignore everything you know about car insurance because you’re about to learn how to quote online to remove unneeded coverages and save money.
Car Insurance Comparison Rates
Comparing car insurance rates can be a daunting task if you don’t utilize the best way to get rate quotes. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you could save time and use the internet to get pricing more quickly.
Most of the larger companies enroll in a system where prospective buyers complete one form, and every company can give them a price for coverage. This system prevents you from having to do repetitive form submissions for each company you want a rate for.
To participate in this free quote system, click here (opens in new window).
One minor caviat to doing it this way is you are unable to specify the providers you want to price. If you would rather choose from a list of companies to receive pricing from, we put together a list of car insurance companies in your area. View list of insurance companies.
However you get your quotes, make sure you use identical coverages and limits for every company. If you compare unequal deductibles or liability limits you can’t possibly determine the best price for your Chevy Aveo5. Having just a slight variation in coverage limits can mean a large discrepancy in price. And when comparison shopping, more quotes will improve the odds of getting a better price.
Cut your premium with discounts
Car insurance is not cheap, but you can get discounts that many people don’t even know exist. Most are applied at the time of quoting, but some must be manually applied prior to getting the savings.
- Accident Free – Claim-free drivers pay less as compared to frequent claim filers.
- Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
- Passive Restraint Discount – Cars that have air bags can qualify for discounts of more than 20%.
- Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance.
- Multiple Cars – Buying coverage for all your vehicles with the same company can get a discount on all vehicles.
- College Student – Children living away from home attending college and do not have access to a covered vehicle can receive lower rates.
- Driver Safety – Successfully completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
- Clubs and Organizations – Affiliation with a qualifying organization could qualify you for a break on your policy on Aveo5 coverage.
Keep in mind that some credits don’t apply to the overall cost of the policy. The majority will only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, car insurance companies aren’t that generous. Any qualifying discounts will reduce your premiums.
To see a list of insurers who offer car insurance discounts, follow this link.
What is the best insurance coverage?
When choosing the best car insurance coverage for your vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions might help in determining whether your personal situation may require specific advice.
- Does medical payments coverage apply to all occupants?
- Is my dog or cat covered if injured in an accident?
- Can I afford low physical damage deductibles?
- What can I do if my company won’t pay a claim?
- Am I covered when driving someone else’s vehicle?
- How do I file an SR-22 for a DUI in my state?
- Is a new car covered when I drive it off the dealer lot?
- Does my policy cover my teen driver if they drive my company car?
If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.
