Trying to find low-cost insurance for a Chevy Aveo in Wisconsin can normally be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to shop for car insurance and you need to know the quickest way to compare rates for a Chevy and get the lowest price from both online companies and Milwaukee agents.
If you are insured now or just want to reduce your rates, take advantage of these tips to find the best rates and still have adequate protection. Getting quotes for the lowest cost policy in Milwaukee is not as difficult as people think. Drivers just have to know the proper way to shop online.
The fastest way that we advise to compare insurance rates from multiple companies is to know the fact car insurance companies pay for the opportunity to give rate comparisons. To get started, all you need to do is provide details like deductibles desired, the year, make and model of vehicles, if you went to college, and whether your vehicle is owned or leased. The data is instantly submitted to many highly-rated insurers and they return cost estimate instantly.
To find the cheapest Chevy Aveo insurance rates, click here and enter your coverage details.
The following companies provide free quotes in Wisconsin. If several companies are displayed, we recommend you visit two to three different companies to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Aveo LS 4-Dr Hatchback | $94 | $218 | $242 | $14 | $72 | $640 | $53 |
| Aveo LS 4-Dr Sedan | $190 | $476 | $298 | $18 | $90 | $1,072 | $89 |
| Aveo LT 4-Dr Hatchback | $200 | $352 | $230 | $14 | $68 | $864 | $72 |
| Aveo LT 4-Dr Sedan | $248 | $518 | $310 | $18 | $92 | $1,186 | $99 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rate information does not factor in zip code location which can decrease or increase prices noticeably.
Physical damage deductibles
When buying car insurance, a common question is what deductibles to buy. The following tables can help illustrate the differences in premium rates between high and low deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Aveo LS 4-Dr Hatchback | $198 | $422 | $230 | $14 | $68 | $957 | $80 |
| Aveo LS 4-Dr Sedan | $198 | $422 | $230 | $14 | $68 | $957 | $80 |
| Aveo LT 4-Dr Hatchback | $224 | $422 | $230 | $14 | $68 | $983 | $82 |
| Aveo LT 4-Dr Sedan | $224 | $422 | $230 | $14 | $68 | $983 | $82 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Aveo LS 4-Dr Hatchback | $110 | $222 | $230 | $14 | $68 | $644 | $54 |
| Aveo LS 4-Dr Sedan | $110 | $222 | $230 | $14 | $68 | $644 | $54 |
| Aveo LT 4-Dr Hatchback | $124 | $222 | $230 | $14 | $68 | $658 | $55 |
| Aveo LT 4-Dr Sedan | $124 | $222 | $230 | $14 | $68 | $658 | $55 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in specific Milwaukee garaging location which can modify coverage rates substantially.
Using the premium rates above, we can conclude that using a $100 deductible could cost the average driver approximately $26 more each month or $312 each year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 35 months between claims, you would come out ahead if you choose the higher deductible.
Do you need full coverage?
The diagram below shows the difference between Chevrolet Aveo yearly insurance costs with full physical damage coverage and with liability coverage only. The premium estimates are based on no claims or driving violations, $250 deductibles, married female driver, and no discounts are factored in.
When to drop full coverage
There is no set rule of when to eliminate physical damage coverage, but there is a guideline you can use. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, then it could be time to drop full coverage.
For example, let’s assume your Chevrolet Aveo settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $2,000 after paying the physical damage deductible. If it’s costing in excess of $200 annually for full coverage, then it might be time to buy liability only.
There are some situations where buying only liability insurance is not advised. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.
Milwaukee insurance discounts
Insurance is easily one of your largest bills, but companies offer discounts that you may not know about. A few discounts will be applied when you purchase, but once in a while a discount must be asked for prior to receiving the credit.
- Discounts for Cautious Drivers – Insureds who avoid accidents can pay as much as 50% less than their less cautious counterparts.
- Defensive Driving Course – Completing a defensive driver course can save you 5% or more if you qualify.
- Theft Deterrent Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and therefore earn up to a 10% discount.
- Service Members Pay Less – Having a family member in the military could trigger a small discount.
- Driver’s Ed – It’s a good idea to have your young drivers complete a driver education course if offered at their school.
- Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more on Aveo insurance in Milwaukee.
Just know that most credits do not apply to all coverage premiums. Most only reduce individual premiums such as comprehensive or collision. So when the math indicates all those discounts means the company will pay you, companies wouldn’t make money that way.
If you would like to see a list of insurance companies that have a full spectrum of discounts in Wisconsin, click here.
Why you need car insurance
Even though it’s not necessarily cheap to insure a Chevy in Milwaukee, paying for car insurance is required in Wisconsin but it also protects you in many ways.
- Just about all states have mandatory liability insurance requirements which means you are required to carry specific limits of liability insurance if you don’t want to risk a ticket. In Wisconsin these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your Aveo with a loan, most banks will require you to have insurance to guarantee payment of the loan. If you let the policy lapse, the bank may insure your Chevy at an extremely high rate and require you to fork over the higher price.
- Car insurance protects your Chevy and your assets. It will also pay for many types of medical costs for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, will also pay attorney fees if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to repair the damage.
The benefits of insuring your car outweigh the cost, especially if you ever need it. As of last year, the average driver in Wisconsin overpays more than $865 each year so shop around at every policy renewal to save money.
Everyone needs different insurance coverages
When quoting and comparing adequate coverage for your personal vehicles, there is no “best” method to buy coverage. You are unique.
Here are some questions about coverages that can aid in determining if your situation will benefit from professional help.
- Am I covered if I hit a deer?
- Should I sign the liability waiver when renting a car?
- If I drive on a suspended license am I covered?
- When should I not file a claim?
- Is upholstery damage covered by car insurance?
- Can my babysitter drive my car?
- When can my company non-renew my policy?
- Where can I find DUI or SR-22 insurance?
- At what point should I drop full coverage?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.
Independent and exclusive insurance agents
A small number of people just want to get professional advice from a licensed agent and we recommend doing that Agents can help you choose the best coverages and help submit paperwork. A nice benefit of price shopping on the web is you may find cheap rate quotes and still have an agent to talk to.
By using this simple form, your insurance coverage information is transmitted to companies in Milwaukee who will give you quotes for your insurance coverage. It’s much easier because you don’t need to leave your house as quotes are delivered instantly to you. If you wish to get a price quote from a specific insurance company, you just need to visit that company’s website and fill out their quote form.
Deciding on an insurer should depend on more than just a cheap quote. The following questions are important to ask.
- Do they assist clients in filing claims?
- Is working in the agency their full-time job?
- Do they have cheaper tiers of coverage?
- Are there any extra charges for paying monthly?
- Do they specialize in personal lines coverage in Milwaukee?
Choose an insurance agent wisely
If you’re trying to find a reliable agent, it can be helpful to understand the types of agencies and how they are slightly different. Insurance agents in Milwaukee can be categorized as either independent or exclusive. Either type can insure your vehicles properly, but it’s worth mentioning how they are different since it may influence which agent you choose.
Exclusive Insurance Agencies
Exclusive agents can only provide pricing for a single company like State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents are unable to provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agencies are well schooled on their products and sales techniques and that enables them to sell even at higher rates. Many people choose to use a exclusive agent partially due to high brand loyalty rather than low price.
Below is a list of exclusive insurance agencies in Milwaukee who can help you get price quote information.
- American Family Insurance – Lorene Hirsch Agency LLC
3927 S 76th St – Milwaukee, WI 53220 – (414) 329-3999 – View Map - American Family Insurance – Derold Barker
2215 E North Ave #1 – Milwaukee, WI 53202 – (414) 332-8350 – View Map - Allstate Insurance: Andrew J. McCabe
4010 N Oakland Ave – Milwaukee, WI 53211 – (414) 961-1166 – View Map
Independent Agents
These type of agents are not required to write business for one company so they can insure your vehicles through lots of different companies and help determine which has the cheapest rates. If they find a lower price, they simply move your policy to a different company and you don’t have to find a new agent.
When searching for an agent, you definitely need to get insurance quotes from a couple of independent agencies to get the most accurate price comparison. Most have the option of insuring with small mutual carriers that many times have cheaper rates.
Listed below is a short list of independent agents in Milwaukee that can give you rate quotes.
- Tilley Insurance
12344 W Layton Ave – Milwaukee, WI 53228 – (414) 235-3561 – View Map - Frank Marchan Insurance Agency, LLC
3931 S Howell Ave – Milwaukee, WI 53207 – (414) 755-4999 – View Map - Billy Brown Insurance
715 Milwaukee St – Delafield, WI 53018 – (262) 646-8252 – View Map
Upon getting good responses for all questions you ask as well as a affordable price, it’s a good possibility that you have found an insurance agency that is reputable and can insure your vehicles. Just keep in mind you are able to terminate coverage for any reason so never feel that you are permanently stuck with the insurance policy with no way to switch.