Chevy Sonic Drivers Find the Best Auto Insurance Rates

Buyers have options when searching for the best price on Chevy Sonic insurance. They can either spend hours calling around getting price quotes or leverage the internet to make rate comparisons.

There are more efficient ways to shop for auto insurance so we’re going to tell you the proper way to compare rates for a new or used Chevy and get the lowest price from both online companies and local agents.

You should make it a habit to do rate comparisons before your policy renews because insurance rates change quite often. Just because you found the lowest price on Sonic insurance a year ago there is a good chance you can find better rates now. So ignore everything you know about auto insurance because I’m going to teach you one of the best ways to reduce your cost while increasing coverage.

How to Buy Auto Insurance Online

All the larger auto insurance companies provide pricing directly from their websites. The process doesn’t take much effort as you just enter your personal and coverage information as detailed in the form. Once entered, their rating system makes automated requests for information on your driving record and credit history and returns a price quote based on these and other factors.

Online price quotes simplifies rate comparisons, but the process of having to visit multiple sites and fill out multiple forms is repetitive and time-consuming. But it is imperative to perform this step if you want to find the lowest possible prices on auto insurance.

The easiest way to compare auto insurance pricing requires only one form that gets price quotes from multiple companies. It saves time, eliminates form submissions, and makes online price comparison much easier. After sending your information, it is rated with multiple companies and you can pick any or none of the resulting price quotes.

If you find a better price it’s easy to complete the application and purchase the new policy. The entire process just takes a couple of minutes and may result in a nice savings.

To quickly find out if lower rates are available, click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you input deductibles and limits just like they are on your policy. This makes sure you will have rate comparison quotes for similar coverage.

Do you qualify for a discount?

Properly insuring your vehicles can get expensive, but there are discounts available that many people don’t even know exist. Some trigger automatically at the time of purchase, but some must be inquired about before being credited. If you don’t get every credit you qualify for, you’re paying more than you need to.

• Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
• More Vehicles More Savings – Insuring multiple cars or trucks on one policy could earn a price break for each car.
• Organization Discounts – Affiliation with a civic or occupational organization could trigger savings on auto insurance on Sonic insurance.
• No Charge for an Accident – Some insurance companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
• Low Mileage Discounts – Keeping the miles down on your Chevy can earn discounted rates on garaged vehicles.
• Senior Citizens – If you qualify as a senior citizen, you may receive better auto insurance rates on Sonic insurance.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Most cut the price of certain insurance coverages like comp or med pay. So even though it sounds like you can get free auto insurance, auto insurance companies aren’t that generous. Any amount of discount will bring down the amount you have to pay.

To see a list of insurers offering auto insurance discounts, click here to view.

What coverages do I need?

When it comes to buying adequate coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover whether or not you could use an agent’s help.

• Can I afford to pay high deductible claims out of pocket?
• Do I have any recourse if my insurance company denies a claim?
• Is my Chevy Sonic covered for flood damage?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Who is covered by my policy?
• Does my policy pay for OEM or aftermarket parts?
• What are no-fault laws?
• If my Chevy Sonic is totaled, can I afford another vehicle?
• What is the difference between comprehensive and collision coverage?
• Can I drive in Mexico and have coverage?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can help protect your family.

Complexity of Chevy Sonic insurance rates

Smart consumers have a good feel for the different types of things that come into play when calculating auto insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that will entitle you to lower auto insurance prices.

The list below includes a few of the “ingredients” companies use to determine prices.

• Men fork out a little more – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that women are BETTER drivers than men. Men and women have accidents in similar percentages, but men cause more damage. Men also get cited for more serious violations such as reckless driving. Teenage male drivers tend to get in the most accidents and are penalized with high auto insurance rates.
• Car features impact rates – Purchasing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
• Cautious drivers pay less – Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one speeding ticket can increase rates forty percent or more. Good drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers with severe tickets such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.
• Lower miles equals lower premium – The more miles you rack up on your Chevy in a year the higher your rate. The majority of insurers charge to insure your cars based on their usage. Cars not used for work or commuting get more affordable rates than those used for commuting. Ask your agent if your auto insurance policy properly reflects how each vehicle is driven. If your policy improperly rates your Sonic can cost quite a bit.
• Safer occupants lowers premiums – Vehicles with high crash test scores tend to have better insurance rates. These vehicles reduce injuries and any reduction in injury severity means lower claim amounts and thus lower rates. If your Chevy scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
• Liability coverage protects you – The liability section of your policy will protect you when a court rules you are at fault for damages caused by your negligence. It provides legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
• Extra add-on coverages are wasting money – There are many extra coverages that you can get tricked into buying when buying auto insurance. Coverages like personal injury protection, accidental death and membership fees may be wasting your money. They may seem like a good idea when you first buy your policy, but your needs may have changed so get rid of them and save.
• Consolidate policies to earn discounts – The majority of auto insurance companies provide better rates to customers who have multiple policies with them such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. Even with this discount, you still need to comparison shop to confirm you are receiving the best rates possible. Consumers may find better rates by splitting coverages up.

A tidy conclusion

As you shop your coverage around, make sure you don’t sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. The ultimate goal is to get the best coverage possible at the best price, not the least amount of coverage.

We’ve covered a lot of techniques to save on Chevy Sonic insurance. It’s most important to understand that the more companies you get rates for, the better likelihood of reducing your rate. You may be surprised to find that the best prices are with a company that doesn’t do a lot of advertising.

Drivers leave their current company for many reasons like questionable increases in premium, high prices, denial of a claim and delays in paying claims. Regardless of your reason for switching companies, finding a new auto insurance company can be less work than you think.