Houston consumers have a choice when looking for the best price on Chevy Sonic insurance. They can either waste time struggling with agents getting price quotes or use the internet to get rate quotes. There are both good and bad ways to compare car insurance rates so you’re going to learn the best way to price shop coverage for a Chevy and find the best price possible either online or from Houston insurance agents.
When comparison shopping, there are several ways to obtain and compare prices from many car insurance companies in Texas. The recommended way to find the cheapest Chevy Sonic insurance rates consists of shopping online. This is quite simple and can be completed by using one of the methods below.
- The first (and easiest) way to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This type of form eliminates the need for separate quotes for each company. Just one form will get you price quotes direct from many companies. It’s the fastest way to compare.
- A less efficient way to find lower rates requires you to visit each individual company website to request a price quote. For sake of this example, let’s say you need rates from Farmers, 21st Century and GEICO. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is not fast way to get rate quotes.
For a list of companies in Houston, click here.
Whichever way you choose to compare rates, make sure you are using nearly identical information on every quote. If each company quotes differing limits it will be impossible to get a fair rate comparison in Houston. Just a small difference in insurance coverages or limits may cause a big price difference. Just remember that comparing a wide range of rates gives you a better chance of getting a better price.
Cheaper rates by taking advantage of discounts
Car insurance is not cheap, but you may be missing some discounts that you may not even know about. A few discounts will automatically apply when you purchase, but a few must be specifically requested before they will apply.
- Savings for New Vehicles – Putting insurance coverage on a new car can save up to 30% because new model year vehicles keep occupants safer.
- Theft Deterent System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
- Resident Student – Older children who live away from home at college and won’t have access to an insured vehicle can be insured at a reduced rate.
- Responsible Driver Discount – Accident-free drivers can save as much as half off their rates for Sonic coverage compared to accident prone drivers.
- Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
Drivers should understand that many deductions do not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, car insurance companies aren’t that generous. But all discounts should help reduce the cost of your policy.
The best car insurance companies and their offered discounts are shown below.
- GEICO has discounts for multi-policy, anti-theft, defensive driver, emergency military deployment, anti-lock brakes, good student, and seat belt use.
- Mercury Insurance discounts include anti-theft, low natural disaster claims, good driver, annual mileage, ease of repair, and multi-policy.
- Farmers Insurance may offer discounts for pay in full, switch companies, mature driver, alternative fuel, early shopping, bundle discounts, and distant student.
- Auto-Owners Insurance offers discounts for teen driver, paid in full, anti-lock brakes, good student, company car, and mature driver.
- Liberty Mutual offers discounts including safety features, hybrid vehicle, new graduate, newly retired, new vehicle discount, multi-policy, and multi-car.
- SAFECO may have discounts that include safe driver, bundle discounts, accident prevention training, multi-car, teen safety rewards, anti-lock brakes, and homeowner.
- Progressive includes discounts for homeowner, online quote discount, good student, continuous coverage, multi-policy, multi-vehicle, and online signing.
- USAA policyholders can earn discounts including annual mileage, safe driver, new vehicle, multi-policy, good student, driver training, and family discount.
When getting a coverage quote, ask every company which discounts can lower your rates. Some discounts might not apply in Houston.
How much car insurance do I need?
When choosing the best car insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different.
For example, these questions could help you determine whether or not you might need an agent’s assistance.
- What should my uninsured motorist coverage limits be in Texas?
- What if I don’t agree with a claim settlement offer?
- What vehicles should carry emergency assistance coverage?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Is my Chevy Sonic covered for smoke damage?
- Does my policy cover me when driving someone else’s vehicle?
- Am I covered when driving a rental car?
- Am I covered when driving in Canada or Mexico?
- Who is covered by my policy?
- Am I covered by my spouse’s policy after a separation?
If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form.
Learn How to Lower Your Insurance Rates
The best way to find cheaper car insurance is to take a look at some of the things that play a part in calculating car insurance rates. If you know what impacts premium levels, this allows you to make educated decisions that may result in lower premium levels. Lots of things are used when you get your auto insurance bill. A few of the factors are predictable like your driving record, although others are not quite as obvious like your continuous coverage or your financial responsibility.
- Your address can modify prices – Residing in areas with lower population can save you money if you are looking for the lowest rates. Residents of big cities tend to have much more traffic and more severe claims. Less people means reduced accidents and also fewer theft and vandalism claims.
- Higher physical damage deductibles are cheaper – Physical damage insurance, aka comp and collision, is used to repair damage to your vehicle. Some instances where coverage would apply could be colliding with a building, damage caused by hail, and damage caused by flying debris. The deductibles are the amount of money you are required to spend out-of-pocket in the event of a claim. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance for Sonic coverage.
- Fast cars cost more to insure – The performance of the car or truck you own makes a big difference in your premium level. The most favorable rates are generally reserved for lower performance four cylinder passenger cars, but the cost you end up paying is determined by many additional factors. Since the Chevrolet Sonic is classified as a passenger car, insurance will be similar in price or lower when compared to the average rates in Houston.
- Accidents hurt – Just one speeding ticket or other violation could increase your next policy renewal to the point where it’s not affordable. Drivers with clean records pay lower auto insurance prices as compared to those with violations. Drivers who have received severe citations like DUI or willful reckless driving may find they need to prove financial responsibility with their state’s licensing department in order to legally drive.
Car insurance in the media
Car insurance companies such as 21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. All the companies say the same thing about how much you will save after switching your policy. How does every company charge you less for auto insurance? It’s all in the wording.
Insurance providers can use profiling for the right customer that will most likely be profitable. One example of a profitable customer may need to be between the ages of 30 and 45, has no driving citations, and has a high credit rating. A propective insured who matches that profile will get low premium rates and will probably save if they switch.
Potential customers who may not quite match the ideal profile will get higher prices and the customer not buying. The trick is to say “drivers who switch” but not “everyone who gets a quote” save that much when switching. This is how insurance companies can confidently advertise the savings. This really drives home the point why drivers should compare quotes as often as possible. Because without a comparison, you cannot know which car insurance company will give you the biggest savings.
Cheaper car insurance is a realistic goal
When buying insurance coverage, do not reduce coverage to reduce premium. In too many instances, drivers have reduced liability limits or collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.
We covered quite a bit of information on how to save on Chevy Sonic insurance. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the best price on car insurance is with a lesser-known regional company.
Insureds who switch companies do it for many reasons like lack of trust in their agent, not issuing a premium refund, delays in responding to claim requests or even poor customer service. No matter why you want to switch, choosing a new insurance company is actually quite simple.
More detailed Texas car insurance information can be found at the Texas Department of Insurance website. Visitors are able to view agent and company licensing information, view a list of available companies, find disaster information, and discover disciplinary actions.
The articles below may also help you learn more about car insurance in Houston