Affordable Chevy Aveo Insurance in Tulsa

Discount Chevy Aveo insuranceA recent survey discovered that most Oklahoma auto insurance customers kept their coverage with the same auto insurance company for at least four years, and practically 40% of auto insurance customers have never compared quotes from other companies. Drivers in the U.S. could save $860 every year just by getting comparison quotes, but most undervalue the big savings they would realize if they switched.

If you want to find the absolute lowest rates, then the best way to save money on Chevy Aveo insurance is to start doing an annual price comparison from insurance carriers in Tulsa.

Step 1: Learn about how auto insurance works and the changes you can make to prevent rate increases. Many factors that are responsible for high rates like getting speeding tickets and a not-so-good credit score can be improved by improving your driving habits or financial responsibility.

Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from a single company like GEICO and State Farm, while agents who are independent can quote rates from multiple companies. Compare rates now

Step 3: Compare the quotes to your current policy premium to see if a cheaper price is available. If you can save some money and make a switch, ensure coverage does not lapse between policies.

Step 4: Notify your company or agent of your intent to cancel your current policy. Submit a down payment along with a completed application to the new company. Make sure you store the proof of insurance certificate with your vehicle’s registration.

A valuable tip to remember is to compare similar coverage information on each quote and and to get prices from as many companies as possible. Doing this provides the most accurate price comparison and maximum price selection.

The purpose of this article is to introduce you to the most effective way to quote insurance and also pocket some savings If you have a policy now, you should be able to reduce the price you pay using the techniques covered below. Nevertheless, Oklahoma drivers must learn how insurance companies calculate your policy premium because it can help you find the best coverage.

Affordable companies for Chevy Aveo insurance

The companies in the list below offer quotes in Oklahoma. If you wish to find the best auto insurance in Tulsa, OK, it’s a good idea that you click on several of them in order to find the lowest rates.

Premium rates and analysis

The rate table shown below highlights estimates of coverage costs for Chevy Aveo models. Having a better understanding of how auto insurance premiums are formulated can be of help when making informed decisions.

Chevrolet Aveo Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Aveo LS 4-Dr Hatchback $184 $446 $506 $30 $152 $1,318 $110
Aveo LS 4-Dr Sedan $184 $446 $506 $30 $152 $1,318 $110
Aveo LT 4-Dr Hatchback $208 $446 $506 $30 $152 $1,342 $112
Aveo LT 4-Dr Sedan $208 $446 $506 $30 $152 $1,342 $112
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Prices do not factor in Tulsa location which can decrease or increase premium rates greatly.

Analysis of deductible levels

One frequently asked question is how high should the physical damage coverage deductibles be. The following insurance rates determine how much more rates are of buying low and high insurance deductibles. The first data set uses a $100 deductible for comp and collision and the second pricing table uses a $500 deductible.

Chevrolet Aveo insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Aveo LS 4-Dr Hatchback $386 $822 $448 $26 $134 $1,841 $153
Aveo LS 4-Dr Sedan $386 $822 $448 $26 $134 $1,841 $153
Aveo LT 4-Dr Hatchback $436 $822 $448 $26 $134 $1,891 $158
Aveo LT 4-Dr Sedan $436 $822 $448 $26 $134 $1,891 $158
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Chevrolet Aveo insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Aveo LS 4-Dr Hatchback $282 $554 $448 $26 $134 $1,444 $120
Aveo LS 4-Dr Sedan $282 $554 $448 $26 $134 $1,444 $120
Aveo LT 4-Dr Hatchback $318 $554 $448 $26 $134 $1,480 $123
Aveo LT 4-Dr Sedan $318 $554 $448 $26 $134 $1,480 $123
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Price information does not factor in zip code location which can raise or lower prices considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you roughly $34 more each month or $408 every year than quoting the higher $500 deductible. Due to the fact that you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you have more than 12 months between claim filings, you would come out ahead by selecting a higher deductible.

Reckless driving habits raise insurance rates

The example below highlights how traffic violations and fender-benders raise Chevy Aveo insurance costs for different age groups of insureds. The premiums are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

Chevrolet Aveo insurance premiums by gender and age

The example below illustrates the comparison of Chevy Aveo insurance prices for male and female drivers. The premiums are based on a clean driving record, no at-fault accidents, comp and collision included, $100 deductibles, single marital status, and no discounts are applied to the premium.

Cost difference between full coverage and liability

The illustration below visualizes the comparison of Chevy Aveo yearly insurance costs with full physical damage coverage compared to only buying liability only. The information is based on no claims or violations, $100 deductibles, single marital status, and no discounts are applied to the premium.

When to stop paying for full coverage

There is no definitive guideline of when to stop paying for full coverage, but there is a guideline you can consider. If the annual cost of having full coverage is about 10% or more of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your Chevy Aveo book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $2,000 after paying your policy deductible. If premium cost is more than $200 annually for comprehensive and collision coverage, then it might be time to buy liability only.

There are some circumstances where only buying liability is not a good idea. If you haven’t satisfied your loan, you have to carry full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not opt for liability only.

Why You Might Pay Lower Rates in Tulsa

Part of the auto insurance buying process is learning some of the factors that play a part in calculating your policy premiums. If you know what determines premiums, this enables informed choices that may reward you with much lower annual insurance costs. Many things are part of the calculation when quoting car insurance. A few of the factors are predictable like your driving record, although others are not as apparent such as your marital status or how financially stable you are.

These discounts can reduce Chevy Aveo insurance rates

Companies don’t list all their discounts very well, so here is a list some of the more common and also the lesser-known credits available to lower your premiums when you buy Tulsa auto insurance online. If you are not receiving all the discounts you deserve, you are throwing money away.Save money with discounts

Just know that some credits don’t apply to the entire policy premium. A few only apply to individual premiums such as comp or med pay. If you do the math and it seems like it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will help reduce the amount you have to pay.

The illustration below shows the difference between Chevy Aveo insurance costs with and without discounts applied to the policy rates. The rate quotes are based on a female driver, no accidents, no driving violations, Oklahoma state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, claim-free, safe-driver, and multi-policy discounts applied.

To view companies that provide some of the discounts listed above in Oklahoma, click here.

Do I need a local insurance agent?

Many people would rather get advice from a local agent and often times that is recommended A nice benefit of comparing rate quotes online is you can get cheap car insurance quotes and still buy from a local agent. And providing support for local agents is still important in Tulsa.

Find insurance agent in TulsaBy using this quick form, the quote information gets sent to local insurance agents who will return price quotes for your coverage. It makes it easy because there is no need to contact an agency since rate quotes are delivered directly to you. Get lower rates AND an agent nearby. If you wish to quote rates from a specific company, you can always visit that company’s website and complete a quote there.

Exclusive or Independent: There is a difference

When searching for a good insurance agency, you should know the different agency structures and how they can service your needs differently. Agents are considered either exclusive or independent (non-exclusive).

Independent Insurance Agents

Agents that elect to be independent are not employed by any specific company and that allows them to write policies through many different car insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, the business is moved internally and that require little work on your part.

When shopping rates, you need to get several quotes from several independent agencies in order to compare the most rates.

The following is a small list of independent agencies in Tulsa that can possibly get you price quote information.

4444 E 66th StTulsa, OK 74136(918) 494-0600View Map

6710 E Admiral PlTulsa, OK 74115(918) 836-5551View Map

1635 S Harvard AveTulsa, OK 74112(918) 749-9500View Map

View more Tulsa agents

Exclusive Agents

Exclusive insurance agents generally can only insure with one company like AAA, Allstate, and State Farm. They are unable to place coverage with different providers so keep that in mind. They receive extensive training on sales techniques which aids in selling service over price.

Below is a short list of exclusive agents in Tulsa who can help you get rate quotes.

Cathy Warren – State Farm Insurance Agent
6119 E 91st St Ste 100Tulsa, OK 74137(918) 481-6655View Map

7820 E 101st StTulsa, OK 74133(918) 369-2000View Map

4502 E 51st StTulsa, OK 74135(918) 858-5000View Map

View more Tulsa agents

Finding the right car insurance agent is decision based upon more than just a low price. A good agent in Tulsa will have answers to these questions.

How to know if you need help

When choosing a policy for your vehicles, there is no “perfect” insurance plan. Your financial needs are unique so your insurance needs to address that.Auto insurance savings
These are some specific questions might help in determining if your situation could use an agent’s help.

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Persistence is the key to cheaper rates

When shopping online for auto insurance, make sure you don’t sacrifice coverage to reduce premiums. Too many times, drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage at the best price while still protecting your assets.

Cheap Chevy Aveo insurance in Tulsa can be bought on the web and from local agencies, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers may not have the ability to get a quote online and many times these smaller companies only sell through independent insurance agencies.

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