Astonishing but true, nearly 70% of consumers have purchased from the same company for over three years, and just under half have never compared rates from other carriers. Drivers in Tucson could cut their rates by approximately 50% a year just by shopping around, but they just don’t understand the actual amount they would save if they switched.
If you want to save money, the best way to get affordable Chevy Aveo insurance in Tucson is to make a habit of comparing prices annually from different companies who sell auto insurance in Arizona. You can shop around by following these steps.
- Read and learn about how insurance companies determine prices and the things you can change to prevent expensive coverage. Many policy risk factors that increase rates such as getting speeding tickets and an unacceptable credit rating can be improved by making minor driving habit or lifestyle changes.
- Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like GEICO and State Farm, while agents who are independent can provide price quotes for a wide range of insurance providers. Select a company
- Compare the new rate quotes to the premium of your current policy to see if cheaper Aveo coverage is available in Tucson. If you find a lower rate quote and make a switch, verify that coverage does not lapse between policies.
- Provide written notification to your current company of your intention to cancel your current car insurance policy and submit a completed policy application and payment for your new policy. Immediately store the certificate verifying proof of insurance in a readily accessible location in your vehicle.
A key point to remember is that you use the same physical damage deductibles and liability limits on every quote request and and to get price quotes from as many different insurance providers as possible. This guarantees a level playing field and a complete rate analysis.
Buying affordable auto insurance in Tucson is not rocket science. If you already have coverage, you stand a good chance to be able to get lower rates using these tips. Drivers just need to learn the most effective way to buy auto insurance online.
Cheap companies for Chevy Aveo insurance
The companies in the list below are ready to provide quotes in Tucson, AZ. To get the best car insurance in Tucson, it’s highly recommended you get prices from several of them to get a more complete price comparison.
Data for Chevy Aveo insurance
The coverage information shown next highlights a range of insurance rates for Chevy Aveo models. Learning a little about how insurance prices are figured can help guide drivers when making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Aveo LS 4-Dr Hatchback | $184 | $426 | $362 | $22 | $108 | $1,102 | $92 |
| Aveo LS 4-Dr Sedan | $184 | $426 | $362 | $22 | $108 | $1,102 | $92 |
| Aveo LT 4-Dr Hatchback | $208 | $426 | $362 | $22 | $108 | $1,126 | $94 |
| Aveo LT 4-Dr Sedan | $208 | $426 | $362 | $22 | $108 | $1,126 | $94 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Estimates do not factor in vehicle location which can influence premiums considerably.
Where to set your deductibles
A question often asked by Tucson drivers is how high should the physical damage coverage deductibles be. The data tables below can help you visualize the cost difference when you buy lower versus higher policy deductibles. The first rate table uses a $250 deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Aveo LS 4-Dr Hatchback | $232 | $460 | $300 | $18 | $90 | $1,125 | $94 |
| Aveo LS 4-Dr Sedan | $232 | $460 | $300 | $18 | $90 | $1,125 | $94 |
| Aveo LT 4-Dr Hatchback | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Aveo LT 4-Dr Sedan | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Aveo LS 4-Dr Hatchback | $144 | $290 | $300 | $18 | $90 | $842 | $70 |
| Aveo LS 4-Dr Sedan | $144 | $290 | $300 | $18 | $90 | $842 | $70 |
| Aveo LT 4-Dr Hatchback | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Aveo LT 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in your specific Tucson location which can impact coverage rates noticeably.
Based on the figures above, using a $250 deductible costs about $24 more each month or $288 every year than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 31 months between claim filings, you would come out ahead if you elect the higher deductible.
The illustration below illustrates how choosing a deductible and can affect Chevy Aveo insurance costs for different insured age categories. The costs are based on a married male driver, full physical damage coverage, and no discounts are applied.
Drive responsibly or pay higher rates
The illustration below illustrates how speeding tickets and accident claims influence Chevy Aveo insurance premiums for each different age category. The premium estimates are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
Full coverage versus liability-only in Tucson
The example below illustrates the difference between Chevy Aveo insurance rates with full physical damage coverage and with liability coverage only. The premiums assume a clean driving record, no at-fault accidents, $100 deductibles, marital status is single, and no policy discounts are applied.
When to stop paying for full coverage
There is no clear-cut formula of when to eliminate physical damage coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let’s assume your Chevy Aveo book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $5,000 after the deductible is paid. If premiums are more than $500 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.
There are some cases where dropping full coverage is not a good plan. If you haven’t paid off your loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not buy liability only.
Affordable Chevy Aveo insurance quotes in Tucson
Some companies don’t always advertise all discounts very clearly, so we break down both the well known in addition to some of the lesser obvious discounts you could be receiving when you buy Tucson car insurance online. If you check and find you aren’t receiving every discount you qualify for, you are not getting the best rate possible.
- Buy New and Save – Adding a new car to your policy can get you a discount due to better safety requirements for newer vehicles.
- Anti-lock Brake System – Cars with anti-lock braking systems are much safer to drive and will save you 10% or more on Aveo insurance in Tucson.
- Discount for Multiple Policies – If you insure your home and vehicles with the same company you may earn over 10 percent off each policy depending on the company.
- Online Discount – Many companies provide a small discount for signing up on the web.
- Air Bag Discount – Cars that have air bags or automatic seat belts can qualify for discounts of 20% or more.
- Anti-theft System – Cars and trucks optioned with advanced anti-theft systems are less likely to be stolen and that can save you a little bit as well.
As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as liability, collision or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy. But all discounts will positively reduce the premium cost.
The chart below illustrates the comparison of Chevy Aveo annual premium costs with and without discounts. The data assumes a male driver, a clean driving record, no claims, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, multi-car, marriage, and multi-policy discounts applied.
Larger car insurance companies and some of the premium reductions they offer are detailed below.
- Farm Bureau may offer discounts for good student, multi-policy, driver training, youthful driver, multi-vehicle, and safe driver.
- MetLife offers discounts for good driver, accident-free, claim-free, multi-policy, defensive driver, good student
- Progressive offers discounts including online quote discount, continuous coverage, good student, online signing, and homeowner.
- AAA has savings for multi-policy, anti-theft, pay-in-full, good student, good driver, and multi-car.
- American Family may have discounts that include multi-vehicle, accident-free, TimeAway discount, Steer into Savings, air bags, and mySafetyValet.
- GEICO has discounts for multi-policy, five-year accident-free, emergency military deployment, military active duty, multi-vehicle, anti-lock brakes, and daytime running lights.
- State Farm offers premium reductions for safe vehicle, Steer Clear safe driver discount, driver’s education, multiple policy, good driver, anti-theft, and defensive driving training.
Double check with every company the best way to save money. Some discounts listed above might not apply in your area. To see a list of insurance companies that can offer you the previously mentioned discounts in Tucson, follow this link.
How to know if you need help
When buying coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every situation is different.
These are some specific questions may help you determine if your insurance needs would benefit from professional advice.
- What is glass protection for?
- Should I put collision coverage on all my vehicles?
- Is a fancy paint job covered?
- Do I need rental car coverage?
- Is borrowed equipment or tools covered if stolen or damaged?
- Should I sign the liability waiver when renting a car?
- How much liability insurance is required?
- What is the rate difference between pleasure use and commuting?
- Where can I find high-risk insurance?
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.
Do I need an agent?
Certain consumers would prefer to talk to a local agent and that is just fine! Professional insurance agents will help you protect your assets and help in the event of a claim. One of the benefits of comparing rate quotes online is that drivers can save money and get lower rates but also keep your business local.
After completing this short form, your insurance coverage information is immediately sent to insurance agents in Tucson that can provide free Tucson car insurance quotes for your insurance coverage. You don’t have to drive around because prices are sent to you. If you want to get a rate quote from a specific insurance company, feel free to navigate to their website and fill out the quote form the provide.
Finding the right insurer needs to be determined by more than just the quoted price. Here are some questions to ask:
- Do they have a Better Business Bureau rating in Tucson?
- Which company do they place the most coverage with?
- Can they give you a list of client referrals?
- Do they see any coverage gaps in your plan?
- Are there any discounts that you might be missing?
- Does the quote include credit and driving reports?
- Will the agent help in case of a claim?
If you would like to find a local agent, there are two different types of agencies that you can choose from. Agents in Tucson may be either independent or exclusive. Both types can properly insure your vehicles, but it is important to understand the subtle differences because it can factor into your selection of an agent.
Exclusive Agents
Exclusive agencies can only provide one company’s prices and examples are Allstate, State Farm and Farmers Insurance. These agents are unable to compare other company’s rates so keep that in mind. Exclusive agents are usually well trained on their company’s products which helps them compete with independent agents.
The following are exclusive insurance agents in Tucson that are able to give comparison quotes.
Merrie Connon – State Farm Insurance Agent
10222 E Rita Rd #110 – Tucson, AZ 85747 – (520) 574-3223 – View Map
Gene Molina – State Farm Insurance Agent
2160 W Holladay St – Tucson, AZ 85746 – (520) 883-1500 – View Map
Allstate Insurance: Mike Brown
3400 E Speedway Blvd Ste 202 – Tucson, AZ 85716 – (520) 318-1775 – View Map
Independent Agents
Independent agents do not have single company limitations so they can quote policies through many different auto insurance companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, they simply switch companies in-house and you don’t have to switch agencies. If you need lower rates, you definitely need to get several quotes from several independent insurance agents for the best price selection.
Listed below is a list of independent agencies in Tucson that can give you price quotes.
Mooney Insurance
10501 E Seven Generations Way #103 – Tucson, AZ 85747 – (520) 751-0502 – View Map
John J Jewell Insurance Agency Inc
5442 E 5th St – Tucson, AZ 85711 – (520) 747-3737 – View Map
RightSure Insurance Group
5151 E Broadway Blvd #120 – Tucson, AZ 85711 – (520) 901-7010 – View Map
Ratings for Arizona car insurance companies
Selecting the top insurance company can be a challenge considering how many companies sell insurance in Arizona. The ranking data below may help you pick which providers to look at when comparing rates.
Top 10 Tucson Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Cheap rates are available
We covered many tips how you can lower your Chevy Aveo insurance prices in Tucson. It’s most important to understand that the more companies you get rates for, the better your comparison will be. You may even be surprised to find that the lowest priced insurance comes from some of the smallest insurance companies.
Consumers leave their current company for a variety of reasons including being labeled a high risk driver, poor customer service, high rates after DUI convictions or policy non-renewal. It doesn’t matter why you want to switch finding a new company is less work than it seems.
More affordable insurance in Tucson can be found both online and from local agencies, so you need to quote Tucson car insurance with both in order to have the best price selection to choose from. Some insurance companies do not provide the ability to get quotes online and usually these small, regional companies work with independent agents.
More resources
- Auto Insurance 101 (About.com)
- Who Has Affordable Auto Insurance for Good Students in Tucson? (FAQ)
- How Much is Auto Insurance for Welfare Recipients in Tucson? (FAQ)
- How Much are Tucson Auto Insurance Rates for a Ford F-150? (FAQ)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Keeping Children Safe in Crashes Video (iihs.org)