The most effective way to get the cheapest Chevy Aveo insurance in Boston is to do a yearly price comparison from insurers in Massachusetts.
- Step 1: Try to learn about what coverages are included in your policy and the steps you can take to prevent high rates. Many rating factors that increase rates such as traffic citations and a negative credit history can be controlled by paying attention to minor details.
- Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like GEICO or State Farm, while independent agencies can provide price quotes for a wide range of companies.
- Step 3: Compare the new quotes to your existing policy to see if you can save by switching companies. If you find a lower rate, verify that coverage does not lapse between policies.
- Step 4: Tell your current company of your intention to cancel your existing policy and submit a signed application and payment to the new company. Be sure to place the new proof of insurance paperwork in your vehicle.
A valuable tip to remember is to compare identical limits and deductibles on each quote request and and to get prices from as many different insurance providers as possible. This guarantees an accurate price comparison and plenty of rates choose from.
We don’t have to point out that fact that insurance companies want to keep you from comparing prices. People who get price quotes annually will most likely move their business because there is a good probability of finding coverage at a more affordable price. A recent car insurance study revealed that consumers who shopped around saved approximately $3,500 over four years as compared to drivers who never shopped for cheaper rates.
If finding budget-friendly rates on Chevy Aveo insurance in Boston is your goal, then having some insight into how to find companies and compare insurance rates can make the process less intimidating.
Save with these discounts
Insuring your vehicles can cost a lot, but there could be significant discounts that you may not even know about. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be inquired about in order for you to get them. If you are not receiving all the discounts available, you are just wasting money.
- Air Bags and Passive Restraints – Factory air bags can get savings of 25 to 30%.
- Theft Prevention System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and earn discounts up to 10% off your Boston car insurance quote.
- Claim Free – Drivers with accident-free driving histories can earn big discounts compared to drivers with a long claim history.
- Pay Early and Save – By paying your policy upfront as opposed to paying monthly you can actually save on your bill.
- Switch and Save Discount – Some companies reward drivers for buying a new policy before your current Aveo insurance policy expires. You can save around 10% with this discount.
- Telematics Data – Insureds who allow driving data submission to monitor driving habits by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they are good drivers.
- Club Memberships – Being in certain professional organizations may earn a discount when getting a Boston car insurance quote.
- Homeowners Savings – Owning your own home or condo can earn you a little savings due to the fact that maintaining a home is proof that your finances are in order.
- Paper-free Discount – Some of the larger companies give back up to $50 for buying your policy digitally online.
- Multi-car Discount – Drivers who insure primary and secondary vehicles on the same car insurance policy can reduce rates for all insured vehicles.
Just know that many deductions do not apply to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. So when it seems like you could get a free car insurance policy, it’s just not the way it works.
The chart below illustrates the difference between Chevy Aveo auto insurance rates with and without discounts applied to the premium. The rates are based on a male driver, no tickets, no at-fault accidents, Massachusetts state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-car, marriage, multi-policy, and homeowner discounts applied.
Popular car insurance companies and a selection of discounts are outlined below.
- GEICO may offer discounts for five-year accident-free, good student, military active duty, driver training, daytime running lights, and emergency military deployment.
- Travelers includes discounts for multi-policy, home ownership, IntelliDrive, continuous insurance, and good student.
- Farm Bureau policyholders can earn discounts including multi-vehicle, youthful driver, 55 and retired, renewal discount, and safe driver.
- Liberty Mutual has savings for new move discount, good student, exclusive group savings, newly married, and new graduate.
- American Family offers discounts for mySafetyValet, good driver, TimeAway discount, Steer into Savings, multi-vehicle, and early bird.
- Progressive may include discounts for homeowner, continuous coverage, online signing, good student, online quote discount, and multi-vehicle.
When quoting, ask every company to give you their best rates. Depending on the company, some discounts may not be offered in Boston. To see a list of providers who offer car insurance discounts in Boston, click here.
Getting a cheaper price on Chevy Aveo insurance can be quick and easy. Consumers just need to take a couple of minutes comparing price quotes online with multiple companies.
The companies shown below can provide price quotes in Massachusetts. If your goal is to find cheaper car insurance in Boston, we recommend you click on several of them to find the lowest auto insurance rates.
Car insurance statistics for a Chevy Aveo
The coverage table shown next covers different insurance prices for Chevy Aveo models. Learning a little about how prices are determined helps drivers make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Aveo LS 4-Dr Hatchback | $276 | $692 | $434 | $26 | $130 | $1,558 | $130 |
| Aveo LS 4-Dr Sedan | $276 | $692 | $434 | $26 | $130 | $1,558 | $130 |
| Aveo LT 4-Dr Hatchback | $312 | $692 | $434 | $26 | $130 | $1,594 | $133 |
| Aveo LT 4-Dr Sedan | $312 | $692 | $434 | $26 | $130 | $1,594 | $133 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Information does not factor in zip code location which can impact premium rates substantially.
Choosing deductibles
When comparing car insurance rates, the most common question is how high should the physical damage coverage deductibles be. The rates below can help you visualize the rate differences when you select higher and lower physical damage coverage deductibles. The first rate table uses a $250 deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Aveo LS 4-Dr Hatchback | $258 | $512 | $334 | $20 | $100 | $1,249 | $104 |
| Aveo LS 4-Dr Sedan | $258 | $512 | $334 | $20 | $100 | $1,249 | $104 |
| Aveo LT 4-Dr Hatchback | $292 | $512 | $334 | $20 | $100 | $1,283 | $107 |
| Aveo LT 4-Dr Sedan | $292 | $512 | $334 | $20 | $100 | $1,283 | $107 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Aveo LS 4-Dr Hatchback | $210 | $414 | $334 | $20 | $100 | $1,078 | $90 |
| Aveo LS 4-Dr Sedan | $210 | $414 | $334 | $20 | $100 | $1,078 | $90 |
| Aveo LT 4-Dr Hatchback | $236 | $414 | $334 | $20 | $100 | $1,104 | $92 |
| Aveo LT 4-Dr Sedan | $236 | $414 | $334 | $20 | $100 | $1,104 | $92 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Rate information does not factor in specific garaging location which can alter rates noticeably.
Based on the figures above, using a $250 deductible will cost in the ballpark of $15 more each month or $180 every year than requesting the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have more than 17 months between claim filings, you would probably be better off going with the higher deductible.
The example below illustrates how your deductible choice and can influence Chevy Aveo annual premium costs for different age groups. The data assumes a single male driver, comp and collision included, and no discounts are applied.
Impact of careless driving on car insurance rates
The example below illustrates how traffic citations and accident claims influence Chevy Aveo auto insurance costs for different ages of insureds. The data is based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.
Comparison of car insurance rates by gender and age
The example below compares Chevy Aveo auto insurance costs for male and female drivers. The costs are based on no claims or driving violations, comp and collision included, $500 deductibles, drivers are single, and no policy discounts are applied.
Lower Your Boston Insurance Costs
Many factors are part of the calculation when premium rates are determined. Some of the criteria are obvious like an MVR report, but others are not quite as obvious such as your marital status or your commute time. It’s important that you understand some of the things that help calculate your car insurance rates. When you know what positively or negatively influences your rates, this allows you to make educated decisions that could result in big savings.
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Premiums are lower the older you get – Young drivers in Massachusetts have been known to be more careless when at the wheel of a vehicle and because of this, their car insurance rates are much higher. More experienced drivers are viewed as being more responsible, cause fewer claims and accidents, and are generally more financially stable.
The chart below uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.
- Multiple policies with one company – The majority of insurance companies allow lower prices to insureds who buy several policies from them. It’s known as a multi-policy discount. Even with this discount, you may still want to comparison shop to guarantee you are still saving the most.There is a chance you can save even more than the discount by buying from different companies
- Does your job cost you more? – Occupational choices like lawyers, airline pilots, and miners have the highest rates in part from stressful work requirements and incredibly demanding work hours. Conversely, jobs such as professors, athletes and performers receive lower rates.
- Good credit means lower costs – Credit rating factor in calculating your premium rate. So if your credit is low, you could pay less to insure your Chevrolet Aveo by repairing your credit. Drivers with excellent credit scores tend to file fewer claims and have better driving records than drivers who have bad credit.
Insurance agencies near you
Certain consumers just prefer to visit with an insurance agent and there is nothing wrong with that. Licensed agents can answer important questions and help in the event of a claim. One of the great benefits of comparing rate quotes online is the fact that drivers can get cheaper car insurance rates and still have an agent to talk to. And providing support for small agencies is important especially in Boston.
Upon completion of this form (opens in new window), your insurance coverage information is immediately sent to participating agents in Boston who will give you bids for your insurance coverage. It’s much easier because you don’t need to visit any agencies since rate quotes are delivered immediately to your email address. In the event you want to quote rates for a specific company, just navigate to their website and fill out the quote form the provide.
Picking a company should include more criteria than just the quoted price. Get answers to these questions too.
- What company holds the largest book of business for them?
- Do they have a Better Business Bureau rating in Boston?
- Will the agent or a CSR service your policy?
- Will they take your side in the event of a claim?
- What is the financial rating for the quoted company?
- Do they offer claims assistance after hours?
- Is there a Errors and Omissions policy in force?
Why do I need car insurance?
Even though it’s not necessarily cheap to insure a Chevy in Boston, buying auto insurance is most likely required but also gives you several important benefits.
- Most states have compulsory liability insurance requirements which means the state requires specific minimum amounts of liability protection if you want to drive legally. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Aveo has a loan, it’s guaranteed your bank will have a requirement that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Chevy for a much higher rate and require you to fork over for it.
- Auto insurance protects not only your Chevy Aveo but also your financial assets. It will also reimburse you for medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay to defend you if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to repair the damage.
The benefits of buying enough insurance more than cancel out the cost, especially when you need to use it. The average driver in America is currently overpaying as much as $850 per year so compare rates once a year at a minimum to be sure current rates are still competitive.
The best rates come from being thorough
Cost effective Chevy Aveo insurance is possible online and from local insurance agents, so you need to quote Boston car insurance with both to have the best selection. There are still a few companies who do not offer internet price quotes and these smaller providers work with independent agents.
Drivers leave their current company for many reasons like poor customer service, lack of trust in their agent, delays in paying claims or extreme rates for teen drivers. Regardless of your reason, switching insurance companies is actually quite simple.
You just read a lot of ways to get a better price on Chevy Aveo insurance in Boston. The most important thing to understand is the more times you quote, the better your chances of lowering your prices. Consumers may even find the lowest premium rates are with a small mutual company.
Additional detailed information can be found in the articles below:
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- How Much are Auto Insurance Rates for a Toyota Tacoma in Boston? (FAQ)
- Who Has the Cheapest Car Insurance for a Chevrolet Equinox in Boston? (FAQ)
- How Much are Car Insurance Rates for Electric Cars in Boston? (FAQ)
- Who Has the Cheapest Boston Car Insurance Quotes for High School Students? (FAQ)
- Who Has Cheap Auto Insurance for Ride Shares in Boston? (FAQ)
- Who Has Affordable Boston Car Insurance Quotes for a Nissan Altima? (FAQ)
- Bodily Injury Coverage (Liberty Mutual)
- Choosing an Insurance Company (Insurance Information Institute)
- Credit Impacts Car Insurance Rates (State Farm)
- Safety Tips for Teen Drivers (Insurance Information Institute)