Best Way to Compare Chevy Sonic Insurance Rates in Nevada

Having to pay for overpriced car insurance can empty your savings account and make it impossible to make ends meet. Comparing price quotes is free, only takes a few minutes, and is a good way to cut your insurance bill. There is such a variety of insurers to insure vehicles with, and even though it’s nice to have a selection, it can be more challenging to find the lowest cost provider.

Buying car insurance is quite easy. If you have insurance now or are just looking to switch companies, you will benefit by learning to get lower rates and possibly find even better coverage. Nevada vehicle owners just need to understand how to compare rates online.

Save big with these discounts

Companies that sell car insurance do not advertise all their discounts very well, so the following is a list of both well-publicized and the more hidden ways to save on car insurance. If you don’t get every credit you qualify for, you are throwing money away.

  • Good Student – A discount for being a good student can save 20 to 25%. The discount lasts until age 25.
  • Pay Now and Pay Less – By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • 55 and Retired – Older drivers may qualify for better car insurance rates on Sonic coverage.
  • New Car Discount – Insuring a new car is cheaper compared to insuring an older model.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less on Sonic coverage than their less cautious counterparts.
  • Defensive Driving Course – Taking part in a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.

It’s important to note that some credits don’t apply to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky.

To choose insurers with discount car insurance rates in Nevada, follow this link.

How to Compare Nevada Car Insurance Costs

Lowering your Chevy Sonic car insurance rates is a fairly straight forward process. Just take a few minutes to get quotes provided by online insurance companies. This is very easy and can be done using a couple different methods.

The best way consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This easy form keeps you from doing repetitive form submissions to each individual car insurance company. One quote request will return price quotes from many national carriers.

A different way to compare rate quotes requires a visit to the website for every company you want to comare to complete a price quote. For sake of this example, let’s assume you want to compare rates from State Farm, Allstate and GMAC. To get each rate you have to take the time to go to each site and enter your information, and that’s why the first method is more popular.

To view a list of companies in your area, click here.

The most time-consuming method of getting rate comparisons is to spend your day driving to insurance agents’ offices. The ability to buy insurance online has reduced the need for local agents unless you have a need for the personal advice of a licensed agent. You can, however, get prices online and still use a local agent and we’ll touch on that later.

However you get your quotes, make sure you use identical coverage limits and deductibles on every quote. If you have different values for each quote you will not be able to truly determine the lowest rate.

Chevy Sonic rates influenced by many factors

Smart consumers have a good feel for some of the elements that play a part in calculating your car insurance rates. Knowing what influences your rates allows you to make educated decisions that can help you get big savings.Nevada insurance prices

  • Your spouse saves you money – Being married can get you a discount on your car insurance policy. Marriage is viewed as being more mature and responsible and statistics show married couples file fewer claims.
  • Your job and insurance rates – Did you know your occupation can influence how much you pay for car insurance? Jobs such as lawyers, architects and dentists tend to have the highest average rates because of job stress and lots of time spent at work. Other jobs such as farmers, historians and homemakers receive lower rates on Sonic coverage.
  • Your age impacts your rates – Mature drivers are more responsible, tend to file fewer claims and get fewer tickets. Young drivers have a tendency to get distracted easily in a vehicle therefore car insurance rates are much higher.
  • Don’t sacrifice liability coverage – The liability section of your policy is the protection if ever a jury decides you are liable for causing damage or personal injury in an accident. Liability provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
  • More performance means more cost – The performance level of the vehicle you drive makes a huge difference in determining your rates. Since the Chevrolet Sonic is classified as a passenger car, insurance will be similar in price or lower as compared to the average rate. Lower performance four cylinder passenger models usually have the lowest rates, but other factors influence the final cost greatly.
  • Better crash test results mean better rates – Vehicles with good safety scores get lower rates. The safest vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If your Chevy Sonic earned at least four stars on or an “acceptable” rating on you may qualify for a discount.

Neighborhood insurance agents

Some consumers would prefer to visit with an insurance agent and that is OK! Licensed agents can point out coverage gaps and help file insurance claims. One of the best bonuses of comparing insurance prices online is the fact that you can find the best rates but also keep your business local.

To find an agent, once you fill out this quick form, your information is submitted to companies who will give you bids for your business. You never need to leave your computer as quotes are delivered to your email. Now that’s easy!

Selecting a company needs to be determined by more than just the bottom line cost. These questions are important to ask:

  • How are they compensated?
  • Do they review policy coverages at every renewal?
  • Does the agency provide any after hours assistance?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • What insurance company do they write the most business with?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.

Choose an insurance agent wisely

If you’re trying to find an insurance agent, there are a couple of different types of agents that you can select. Agents are classified as either independent (non-captive) or captive. While both can insure your vehicles, but it’s worth learning how they differ because it can impact buying decisions.

Captive Insurance Agents

Captive agencies have only one company to place business with like State Farm, AAA, Farmers Insurance or Allstate. Captives cannot give you multiple price quotes so always compare other rates. Captive agencies are trained well on their company’s products which can be an advantage.

Independent Agents

Independent insurance agents do not work for one specific company so they have the ability to put coverage with many different companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can switch companies and that require little work on your part.

When searching for an agent, it’s a good idea to get quotes from multiple independent agents for the best price selection.

For a full directory of agents in Nevada, visit this page.

Once you have received answers to your satisfaction and a low price estimate, it’s possible that you found a car insurance agent that will adequately provide car insurance.

Beware of misleading car insurance ads

Nevada drivers can’t ignore all the ads that promise big savings by companies like 21st Century, Allstate and State Farm. They all say the same thing that you can save after switching to them.

But how can every company say the same thing? This is how they do it.

quote Chevrolet Sonic insurance

All companies have a preferred profile for the right customer that earns them a profit. For example, a preferred risk could possibly be between the ages of 40 and 55, owns a home, and has a high credit rating. A propective insured who meets those qualifications will get the preferred rates and as a result will probably save a lot of money.

Potential customers who do not match these standards will be charged higher rates which usually ends up with business going elsewhere. The ads state “drivers who switch” not “everyone that quotes” save money. This is how insurance companies can make those claims. That is why you should compare many company’s rates. It’s impossible to know which company will provide you with the cheapest rates.

In conclusion

While you’re price shopping online, you should never skimp on coverage in order to save money. In many instances, drivers have reduced full coverage only to regret that they should have had better coverage. The aim is to find the BEST coverage at a price you can afford.

Lower-priced Chevy Sonic insurance is possible from both online companies in addition to many Nevada insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some car insurance companies do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

Additional detailed information can be read at the Nevada Division of Insurance website. Visitors are able to report car insurance fraud, read state legal mandates and laws, and find out which companies have the most complaints.

Other related articles: