Fastest Guide to Lower Chevy Sonic Auto Insurance Rates

Finding cheaper insurance for a new or used Chevy Sonic can be difficult, but you can follow the following methods to save time. There is a right way and a wrong way to buy auto insurance and we’ll show you the best way to quote coverages on a Chevy and locate the lowest possible price.

Finding affordable coverage is not that difficult. If you have insurance now or are shopping for new coverage, you can use these techniques to shop for the lowest rates while maximizing coverage. Drivers just need to know the proper methods to compare prices over the internet.

Impacting insurance rates for a Chevy Sonic

Consumers need to have an understanding of some of the elements that play a part in calculating your auto insurance rates. When you know what positively or negatively influences your rates enables informed choices that can help you get lower auto insurance prices.

  • Optional equipment can affect rates – Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
  • Discounts for married couples – Having a spouse can actually save you money on your auto insurance policy. Marriage usually means you are more mature and it’s statistically proven that married couples file fewer claims.
  • Battle of the sexes – The statistics show women tend to be less risk to insure than men. However, this does not mean women are better drivers. They both are in accidents in similar percentages, but men have costlier accidents. Men also receive more costly citations such as reckless driving. Youthful male drivers are most likely to cause an accident and thus pay the highest rates.
  • Too many auto insurance claims drive up costs – If you tend to file frequent claims, you can pretty much guarantee higher rates. Car insurance companies award lower rates to insureds who file claims infrequently. Insurance coverage is meant to be used in the event of the large, substantial claims.

Vehicle Insurance Comparison

Shopping for lower auto insurance rates can be a lot of work if you aren’t aware of the fastest way to get free quotes. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you can stay home and use online quotes to get prices fast.

Most of the larger companies take part in a program that allows shoppers to submit their information once, and each company can provide price quotes based on that information. This saves time by eliminating quote requests to each company. To use this form to compare rates click to open in new window.

The single downside to using this type of system is you are unable to specify which providers to get pricing from. So if you want to choose from a list of companies to compare prices, we have assembled a list of companies who write auto insurance in your area. Click here for list of insurance companies.

Whichever method you choose, ensure you are comparing identical coverages and limits for every quote you compare. If each company quotes different limits and deductibles on each one it will be impossible to determine the lowest rate for your Chevy  insurance quote

Save 15 percent in 15 minutes? Is it for real?

Consumers get pounded daily by advertisements for car insurance savings by companies like State Farm, GEICO and Progressive. They all make the same claim of big savings after switching to them.

But how can every company make almost identical claims? This is how they do it.

Insurance companies have a preferred profile for the driver that makes them money. A good example of a driver they prefer could be between 25 and 40, has no tickets, and chooses high deductibles. A customer that hits that “sweet spot” will get very good rates and most likely will save quite a bit of money when switching.

Potential insureds who are not a match for this ideal profile will be charged more money which usually ends up with business going elsewhere. The ads state “people who switch” not “everyone that quotes” save that much. That’s why insurance companies can claim big savings. That is why it is so important to get quotes from several different companies. You cannot predict which insurance companies will fit your personal profile best.

Are you getting all your discounts?

Companies don’t always publicize every discount in a way that’s easy to find, so we researched both well-publicized and the harder-to-find auto insurance savings. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Accident Forgiveness – A handful of insurance companies allow you one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Distant Student – Youth drivers who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Save over 55 – Older drivers can possibly qualify for better auto insurance rates for Sonic coverage.
  • Paperwork-free – A handful of insurance companies may give you up to $50 for buying a policy and signing up online.
  • Low Mileage – Keeping the miles down on your Chevy could be rewarded with lower rates on the low mileage vehicles.
  • Early Switch Discount – Select companies give a discount for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, companies wouldn’t make money that way.

To see a list of insurance companies who offer auto insurance discounts, click this link.

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Online plus local equals savings

Cheap Chevy Sonic insurance can be sourced online and with local insurance agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who do not offer online quoting and most of the time these small insurance companies sell through independent agents.

As you restructure your insurance plan, do not reduce needed coverages to save money. There have been many cases where an accident victim reduced full coverage only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage at an affordable rate while still protecting your assets.

Throughout this article, we presented a lot of tips how to shop for Chevy Sonic insurance online. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the best prices are with a small mutual company.