Cheapest Bakersfield Chevy Aveo Insurance

Want to know an easy way to compare cheaper Chevy Aveo insurance in Bakersfield? Are you at wits end from not being able to afford each month for car insurance? You are in the same boat as many other California drivers.

A recent car insurance study discovered that most drivers kept their policy with the same company for at least the last four years, and approximately 38% of consumers have never taken the time to shop around. Most drivers in California could save about 35% each year just by comparing rates, but most undervalue the large savings they would see if they bought a different policy.

How to find affordable Chevy Aveo insurance in Bakersfield

The recommended way to find discount auto insurance rates in Bakersfield is to compare prices regularly from insurers in California. Rate comparisons can be done by completing these steps.

1. Try to learn a little about policy coverages and the changes you can make to keep rates low. Many policy risk factors that cause high rates such as traffic violations and a not-so-good credit history can be improved by making minor changes to your lifestyle.
2. Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like Progressive or Allstate, while independent agents can quote rates from multiple sources.
3. Compare the quotes to your current policy to see if you can save by switching companies. If you find better rates and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

One key aspect of rate comparisons is that you’ll want to compare the same deductibles and limits on each price quote and and to get quotes from as many different companies as possible. This helps ensure an accurate price comparison and the most accurate and complete price analysis.

Due to the fact that there are so many options when it comes to car insurance, it’s difficult to choose the best insurer.

To find the best car insurance rates, there are several ways to compare rate quotes from local Bakersfield car insurance companies. The quickest method to compare rates is simply to get online rate quotes.

Doing online price quotes comparisons is so easy that it replaces the need to call or drive to insurance agencies in your area. Quoting and buying Chevy Aveo insurance online eliminates the need for an insurance agent unless your situation requires the professional advice of a local agency. It is possible with some companies obtain prices from the web but still have the advice of a local agent. Keep in mind that comparing more prices helps locate the best rates.

The companies shown below can provide quotes in Bakersfield, CA. If multiple companies are listed, it’s highly recommended you click on several of them to get a more complete price comparison.

Don’t overlook these Chevy Aveo insurance discounts

Some insurers don’t always advertise every discount available in a way that’s easy to find, so the following is a list of a few of the more common and also the lesser-known ways to save on car insurance.

• Save with a New Car – Putting coverage on a new Aveo can save you some money because newer models keep occupants safer.
• Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% depending on your car insurance provider.
• Accident Waiver – This one is not really a discount per se, but certain companies allow you one accident before raising your premiums with the catch being you have to be claim-free for a certain period of time.
• Own a Home and Save – Owning a house in Bakersfield can save you money because maintaining a house is proof of financial responsibility.
• Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and that can save you a little bit as well.

As is typical with insurance, many deductions do not apply to the entire cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, you’re out of luck.

The chart below shows the comparison of Chevy Aveo insurance premiums with and without some available policy discounts. The rates are based on a male driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, claim-free, marriage, and safe-driver discounts applied.

Popular car insurance companies and a summarized list of policyholder discounts can be found below.

• State Farm offers premium reductions for defensive driving training, safe vehicle, student away at school, anti-theft, Drive Safe & Save, and accident-free.
• GEICO discounts include five-year accident-free, anti-lock brakes, emergency military deployment, anti-theft, air bags, and federal employee.
• Progressive has discounts for multi-vehicle, good student, homeowner, multi-policy, and online quote discount.
• 21st Century may have discounts that include defensive driver, anti-lock brakes, good student, homeowners, early bird, and air bags.
• American Family offers discounts including bundled insurance, early bird, air bags, Steer into Savings, mySafetyValet, accident-free, and multi-vehicle.
• The Hartford offers discounts for good student, air bag, bundle, defensive driver, driver training, and anti-theft.
• AAA includes discounts for good driver, AAA membership discount, anti-theft, pay-in-full, good student, multi-car, and education and occupation.

If you need lower rates, check with all the companies which credits you are entitled to. Some of the earlier mentioned discounts might not be available to policyholders in every state. To find providers that have a full spectrum of discounts in Bakersfield, click this link.

Rates and other information

The coverage information shown below outlines a range of prices for Chevy Aveo models. Being able to understand how auto insurance policy rates are formulated is important for drivers to make decisions when choosing a new policy provider.

Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in specific Bakersfield garaging location which can impact rates greatly.

Physical damage deductible comparison

One of the most common auto insurance questions is how high should your deductibles be. The rates shown below determine how much more rates are between high and low insurance deductibles. The first rate estimation uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rate quotes do not factor in specific garaging location which can lower or raise premiums considerably.

Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $18 more each month or $216 a year across all Chevrolet Aveo models than opting for 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 go more than 14 months between claim filings, you would probably be better off if you choose a higher deductible.

The diagram below demonstrates how choosing different deductibles and can influence Chevy Aveo premium costs for different age categories. The costs are based on a single female driver, full physical damage coverage, and no policy discounts are applied.

Reckless driving habits raise auto insurance rates

The diagram below highlights how traffic violations and at-fault fender-benders influence Chevy Aveo insurance costs for each age group. The rates are based on a single male driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.

Bakersfield auto insurance companies

Ending up with the best auto insurance company can be challenging considering how many companies sell coverage in California. The company rank data in the lists below can help you pick which car insurance companies to look at comparing price quotes from.

Top 10 Bakersfield Car Insurance Companies Overall

1. USAA
2. American Family
3. AAA of Southern California
4. State Farm
5. The Hartford
6. AAA Insurance
7. GEICO
8. The General
9. Titan Insurance
10. Progressive

Learn How to Quote Insurance More Affordably

Smart consumers have a good feel for some of the factors that play a part in calculating the level of your policy premiums. When consumers understand what influences your rates, this enables you to make decisions that can help you get cheaper rates.

The items below are just a few of the factors used by companies to determine your rates.

• Lower performance equals lower insurance rates – The performance of the car you are trying to find cheaper insurance for makes a substantial difference in how high your rates are. Lower cost passenger cars usually have the lowest premiums, but your final cost has many other factors.

  The next chart uses these variables: married female driver age 40, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Chevrolet Aveo insurance premiums compared to other makes and models that have a range of performances.

• Men are more aggressive – Over the last 50 years, statistics have shown females are less aggressive when driving. The data does not necessarily mean that men are WORSE drivers than women. Females and males get in fender benders at a similar rate, but the men tend to have higher claims. They also receive more costly citations such as reckless driving. Male teenagers have the highest risk to insure and therefore have the most expensive insurance rates.

  The illustration below compares Chevy Aveo auto insurance costs for male and female drivers. The premium estimates are based on no accidents or driving violations, full physical damage coverage, $250 deductibles, drivers are not married, and no additional discounts are factored in.

• Never allow your insurance to lapse – Having a gap between insurance policy dates can be a quick way to drive up your policy premiums. And not only will insurance be more expensive, failure to provide proof of insurance could result in fines and jail time. You may then be required to provide proof of insurance in the form of an SR-22 filing with the California motor vehicle department.
• Adjust coverage deductibles and save – Your deductibles are how much you are willing to pay out-of-pocket if the claim is covered. Physical damage insurance, also called comprehensive and collision insurance, protects your car from damage. Some examples of covered claims could be rear-ending another vehicle, hail damage, or theft of your vehicle. The more of the claim you choose to pay out-of-pocket, the lower your rates will be.