How to Get the Absolute Best Rates When Insurance Shopping for a Chevy Sonic

Have you fallen victim to an underperforming, overpriced car insurance policy? Trust us when we tell you many consumers feel financially strained by their car insurance policy. Online insurance companies like Allstate and Progressive constantly blast consumers with catchy ads and consumers find it hard to see past the corporate glitz and do the work needed to find the best deal.

You need to compare rates occasionally because insurance rates are constantly changing. Just because you had the lowest price for Sonic insurance six months ago a different company probably has better rates today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the only way to find the best coverage while lowering your premiums.

If you have a policy now or are shopping for new coverage, you can learn to cut your premiums while maintaining coverages. Finding affordable coverage is easy if you know what you’re doing. Drivers only need to know the proper methods to get comparison quotes on the web.

Chevy Sonic rates are in the details

It’s important that you understand the different types of things that help determine car insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that will entitle you to much lower annual insurance costs.

The following are some of the items companies use to determine prices.

  • Optional equipment can affect rates – Purchasing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
  • Poor credit can mean higher rates – Credit score is a huge factor in determining what you pay for car insurance. If your credit score is lower than you’d like, you could pay less to insure your Chevrolet Sonic by improving your rating. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have poor credit.
  • Don’t cancel a policy without a new one in place – Letting your insurance expire is a sure-fire way to trigger a rate increase. Not only will rates go up, getting caught without coverage can result in a license revocation or jail time.You may then be required to file a SR-22 with your state department of motor vehicles.
  • Little extras can really add up – There are a lot of extra coverages that can waste your money on your Sonic policy. Insurance for vanishing deductibles, accident forgiveness and membership fees may be wasting your money. These may sound like a good investment at first, but your needs may have changed so eliminate the coverages to reduce your premium.
  • An active claims history can cost you – Insurance companies generally give better rates to drivers who are claim-free. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for the large, substantial claims.
  • Multiple policies with one company can save – Some companies provide better rates to customers who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to comparison shop to confirm you are receiving the best rates possible.
  • Protect your assets with liability insurance – Liability insurance provides coverage when a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
  • Women pay lower rates – Statistics demonstrate that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. Women and men cause accidents in similar numbers, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations such as reckless driving.

Automobile Insurance Quotes

There are several ways to compare car insurance prices but one way is easier and takes less work. You can spend countless hours talking to insurance companies in your area, or you can utilize online quoting to get the quickest rates.

Most of the larger companies enroll in a system where insurance shoppers enter their policy data once, and each company returns a rated price. This eliminates the need for quote requests to every company.

To compare rates using this form now click here to start a free quote.

One minor caviat to comparing rates this way is you cannot specify the providers you want pricing from. So if you want to select specific providers for rate comparison, we have a listing of companies who write car insurance in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make absolute certain that you use apples-to-apples quote information with each company. If the quotes have different liability limits then you won’t be able to decipher which rate is  insurance quote

Lots of discounts mean lots of savings

Car insurance companies don’t list all their discounts in a way that’s easy to find, so here is a list both the well known and the harder-to-find car insurance savings. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Fewer Miles Equal More Savings – Fewer annual miles on your Chevy could qualify for better rates on cars that stay parked.
  • Employee of Federal Government – Simply working for the federal government could cut as much as 10% off for Sonic insurance depending on your company.
  • Life Insurance Discount – Some companies give a break if you buy life insurance.
  • Good Student Discount – Getting good grades can save 20 to 25%. This discount can apply until age 25.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.

Consumers should know that some credits don’t apply to the overall cost of the policy. A few only apply to specific coverage prices like comprehensive or collision. So when it seems like you can get free auto insurance, it just doesn’t work that way.

To choose insurance companies who offer car insurance discounts, click here to view.

Do I need a local agent?

A small number of people would prefer to talk to a local agent and that is OK! Professional agents can help determine the best coverages and help you file claims. One of the great benefits of comparing rates online is that you can obtain the lowest rates and still have an agent to talk to.

To help locate an agent, after submitting this form (opens in new window), your insurance coverage information gets sent to participating agents who will return price quotes for your coverage. You never need to leave your house as quotes are delivered immediately to your email address. How cool is that?!

Deciding on an insurer shouldn’t rely on just the price. These are valid questions to ask:

  • Do they assist clients in filing claims?
  • If your car is totalled, how to they determine the replacement cost?
  • If you are a high risk driver, do they have special markets for your coverage?
  • What insurance companies do they recommend if they are an independent agent?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Which insurance companies are they affiliated with?
  • Do they have any clout with companies to ensure a fair claim settlement?

Insurance agencies are either independent or captive

When finding an insurance agent, there are a couple of different agency structures that differ in how they can insure your vehicles. Agents are either independent or captive. Either one can do a good job, but it’s worth learning how they differ because it can impact the type of agent you choose

Captive Insurance Agents

This type of agents can only place business with one company and some examples include AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are not able to provide prices from multiple companies so they have to upsell other benefits. Captive agencies are trained well on the products they sell which helps them sell insurance even at higher premiums.

Independent Insurance Agents

Independent agencies are not locked into one company but rather can write business with many different companies depending on which coverage is best. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency. When comparing rates, it’s recommended you contact multiple independent agents to ensure the widest selection of prices.

For a full directory of agents, click here.

compare Chevrolet Sonic insurance prices

Upon receiving reasonable responses to your questions and an acceptable price quote, you’ve probably found an insurance agency that is a good match to service your policy.

How to know if you need help

When choosing the best car insurance coverage, there isn’t really a best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether you may require specific advice.

  • Do I have coverage if my license is suspended?
  • Are there companies who specialize in insuring high-risk drivers?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my teen driver covered when they drive my company car?
  • What are the best liability limits?
  • I don’t drive much so do I pay less?
  • Where can I get insurance after a DUI in my state?
  • Should I drop comprehensive coverage on older vehicles?
  • Is a new car covered when I drive it off the dealer lot?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Buy online or local, you save

While you’re price shopping online, it’s a bad idea to buy poor coverage just to save money. There are too many instances where someone sacrificed physical damage coverage only to regret at claim time they didn’t purchase enough coverage. Your goal should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Discount Chevy Sonic insurance can be purchased online in addition to many insurance agents, and you need to price shop both to get a complete price analysis. A few companies do not provide online quoting and these smaller companies work with independent agents.