8 Tips Guaranteed to Slash the Cost of Chevy Sonic Auto Insurance Premiums in Las Vegas

Paying for high-priced Chevrolet Sonic insurance can dwindle your savings account, especially in this economy. Comparing price quotes is free and is an excellent way to lower your monthly bill.

You have multiple insurers to pick from, and although it’s nice to have multiple companies, so many choices can make it hard to compare rates and cut insurance costs.

The purpose of this post is to let you in on the best way to quote coverages and some tricks to saving. If you currently have car insurance, you will be able to reduce your rates substantially using these methods. But Nevada drivers must learn how big insurance companies compete online.

Finding Auto Insurance in Las Vegas

To find the best auto insurance prices, there are several ways to compare rate quotes from local in Las Vegasauto insurance companies. The easiest way to find the cheapest Chevy Sonic insurance rates is to perform an online rate comparison. This can be done in just a few minutes using one of these methods.

  1. The most efficient way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This easy form saves time by eliminating repetitive form entry to each individual auto insurance company. Taking the time to complete one form gets rate comparisons from multiple low-cost companies.
  2. A more time consuming way to obtain and compare quotes online requires a visit to each individual company website to complete their respective quote request forms. For examples sake, let’s assume you want comparison quotes from Progressive, GEICO and Allstate. To get each rate you have to go to every website and enter your policy data, which is why most consumers use the first method. For a handy list of car insurance company links in Las Vegas, click here.

Whichever method you choose, be sure to compare identical coverage limits on every quote. If you enter different values for each quote you will not be able to decipher which rate is best in Las Vegas. Slightly different insurance coverages can make a big difference in price. And when price shopping your coverage, comparing more company’s prices gives you a better chance of getting a better price.

Do you qualify for a discount?

Properly insuring your vehicles can get expensive, but companies offer discounts that you may not know about. Most are applied at the time you complete a quote, but some may not be applied and must be inquired about in order for you to get them.

  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Accident Waiver – Some insurance companies allow you one accident before raising your premiums if your claims history is clear prior to the accident.
  • Paperless Signup – A few companies may give you up to $50 for buying your policy digitally online.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy could earn a price break for each car.
  • Club Memberships – Being a member of a qualifying organization may earn a discount when buying auto insurance for Sonic coverage.
  • Early Switch Discount – Select companies give a discount for signing up before your current expiration date. It’s a savings of about 10%.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance.
  • Driver Safety – Completing a driver safety course could cut 5% off your bill and easily recoup the cost of the course.

Keep in mind that some credits don’t apply to all coverage premiums. Most only reduce individual premiums such as collision or personal injury protection. So when it seems like you can get free auto insurance, you won’t be that lucky. But any discount will bring down your premiums.

For a list of companies with discount auto insurance rates in Nevada, click here.

What coverages do I need?

When choosing the right insurance coverage, there really is no cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions might point out whether your personal situation might need an agent’s assistance.

  • Am I covered by my spouse’s policy after a separation?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What vehicles should carry emergency assistance coverage?
  • Why am I required to buy high-risk coverage?
  • What are Nevada no-fault laws?
  • Am I covered when delivering products for my home-based business?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Auto insurance specifics

Knowing the specifics of your auto insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages offered by auto insurance companies.

Auto collision coverage

This coverage covers damage to your Sonic from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, hail damage and hitting a bird. The most a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for liability

Liability insurance can cover damage or injury you incur to other people or property in an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like bail bonds, medical services, medical expenses, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is up to you, but buy higher limits if possible. Nevada requires minimum liability limits of 15,000/30,000/10,000 but you should consider buying higher limits.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like funeral costs, EMT expenses, pain medications, X-ray expenses and surgery. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

best Chevrolet Sonic insurance

UM/UIM Coverage

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Sonic.

Due to the fact that many Nevada drivers have only the minimum liability required by law (Nevada limits are 15/30/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Smart shoppers get results

Cheaper Chevy Sonic insurance is attainable both online in addition to many Las Vegas insurance agents, and you should be comparing both to have the best rate selection. A few companies do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

When shopping online for auto insurance, make sure you don’t sacrifice coverage to reduce premiums. Too many times, an accident victim reduced physical damage coverage only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to buy the best coverage you can find for the lowest price.

To learn more about auto insurance in Nevada

Additional information is available on the website for the Nevada Division of Insurance found here. Nevada consumers can get help finding coverage, file complaints about an insurance agent or broker, learn about specific coverages, and read state legal mandates and laws.