Want to learn the secrets to finding the cheapest Chevy Sonic insurance in Austin? Searching for low-cost insurance for a Chevy Sonic in Texas can normally be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to shop for car insurance so we’re going to tell you the best way to compare rates for a Chevy and get the lowest price.
Unbelievably, 70% of consumers have remained with the same car insurance company for four years or more, and 38% of customers have never compared rates to find affordable insurance. Drivers in Texas can cut their rates by nearly 70% a year, but they mistakenly think it’s difficult to shop around.
If you have insurance now or just want to save money, you can follow these tips to get lower rates without having to cut coverage. Quoting the lowest cost protection in Austin is not as hard as you may think. Drivers just need to learn the fastest way to compare insurance rates from many different companies.
Affordable Austin auto insurance rates with discounts
Some insurance providers don’t list every discount they offer very well, so we break down some of the more common and the harder-to-find discounts that you can inquire about if you buy Austin auto insurance online. If you don’t get every credit possible, you are just wasting money.
- Defensive Driver Discounts – Taking a defensive driving class could earn you a small percentage discount and also improve your driving technique.
- Savings for New Vehicles – Buying a new car model is cheaper since new model year vehicles are generally safer.
- Professional Organizations – Belonging to a qualifying organization is a good way to get lower rates on your next auto insurance statement.
- Bundled Policy Discount – When you combine your homeowners and auto insurance with one company you could get a discount of approximately 10% to 15%.
- Fewer Miles Equal More Savings – Low annual miles may allow you to get better prices on cars that stay parked.
- Austin Homeowners Pay Less – Just being a homeowner can earn you a little savings because of the fact that having a home is proof that your finances are in order.
Just know that some of the credits will not apply to the entire policy premium. Most cut the cost of specific coverages such as comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, companies wouldn’t make money that way.
A list of companies and some of the premium reductions they offer are outlined below.
- Farm Bureau includes discounts for multi-policy, driver training, 55 and retired, good student, and renewal discount.
- State Farm may have discounts that include passive restraint, accident-free, good driver, anti-theft, good student, and Drive Safe & Save.
- Progressive policyholders can earn discounts including continuous coverage, online signing, homeowner, multi-policy, online quote discount, and multi-vehicle.
- Allstate may include discounts for safe driver, FullPay discount, resident student, farm vehicle, good payer, economy car, and teenSMART discount.
- Nationwide has discounts for business or organization, Farm Bureau membership, anti-theft, good student, and easy pay.
- MetLife offers premium reductions for good driver, defensive driver, claim-free, accident-free, and multi-policy.
When getting a coverage quote, ask each insurance company which discounts can lower your rates. Discounts might not apply in Austin. For a list of providers with discount rates in Austin, click here.
The providers in the list below are our best choices to provide price comparisons in Texas. If more than one company is shown, we suggest you visit as many as you can in order to find the lowest rates.
What is the best car insurance coverage?
When it comes to buying your policy for your personal vehicles, there really isn’t a one-size-fits-all type of policy. Your situation is unique.
Here are some questions about coverages that may help you determine if your insurance needs may require specific advice.
- What are the liability requirements in my state?
- Are all vehicle passengers covered by medical payments coverage?
- How do I file an SR-22 for a DUI in Texas?
- How long can I keep a teen driver on my policy?
- Is other people’s property covered if stolen from my vehicle?
- How can I force my company to pay a claim?
- When does my teenage driver need to be added to my policy?
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.
When to talk to a local insurance agent
Many drivers still like to get professional advice from a licensed agent and that can be a great decision Professional agents are trained risk managers and give you someone to call. One of the best bonuses of comparing rates online is that drivers can save money and get lower premium rates and also buy local.
To find an agent, once you fill out this simple form, your insurance coverage information gets sent to local insurance agents in Austin that can provide free Austin auto insurance quotes for your business. There is no need to drive around since rate quotes are delivered to you. If for some reason you want to get a price quote from a particular provider, don’t hesitate to visit that company’s website to submit a rate quote request.
Choosing the best provider is decision based upon more than just a cheap price. These are some valid questions you should ask.
- Do they prorate repair cost based on vehicle mileage?
- Are they properly licensed to sell insurance in Texas?
- If you raise deductibles, how much can you save?
- What insurance company do they write the most business with?
- Are aftermarket or OEM parts used to repair vehicles?
- Which members of your family are coverage by the policy?
If you are searching for a reliable insurance agency, you need to know there are two different types of agencies and how they differ in how they quote coverages. Auto insurance agencies are classified as either exclusive or independent agents depending on their company appointments. Either type can sell auto insurance policies, but it’s important to point out the difference in the companies they write for because it can factor into buying decisions.
Exclusive Auto Insurance Agents
Agents of this type have only one company to place business with like State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to provide prices from multiple companies so they really need to provide good service. They receive extensive training on sales techniques which helps them sell insurance even at higher premiums. Some insured continue to buy insurance from these agents primarily because of loyalty to the company rather than low price.
Listed below are exclusive insurance agencies in Austin willing to provide comparison quotes.
- Karen Easterling – State Farm Insurance Agent
2711 W Anderson Ln #201 – Austin, TX 78757 – (512) 454-4784 – View Map
- Brandy Whiteside – State Farm Insurance Agent
3601 W William Cannon Dr #100 – Austin, TX 78749 – (512) 892-5542 – View Map
- Robert Ndegwa – State Farm Insurance Agent
1200 W Howard Ln f – Austin, TX 78753 – (512) 837-8818 – View Map
Independent Insurance Agents
Independent agents are not restricted to one company so as a result can place your coverage with any number of different companies and help determine which has the cheapest rates. If they quote lower rates, the agent simply finds a different carrier and you don’t have to find a new agent. When searching for an agent, it’s a good idea to get rate quotes from independent agents for maximum quote selection. Most can insure with smaller mutual companies which can be an advantage.
Listed below are Austin independent agents that are able to give price quotes.
- Austin Insurance Group
9705 Burnet Rd #314 – Austin, TX 78758 – (512) 339-2901 – View Map
- Lezam Insurance
4301 W. William Cannon Dr., Ste. B-120 – Austin, TX 78749 – (512) 263-4333 – View Map
- Independent Insurance Agents
1115 San Jacinto Blvd – Austin, TX 78701 – (512) 476-6281 – View Map
After getting satisfactory answers to all your questions and a low price estimate, you may have just found an insurance agency that can service your policy. Just remember you can terminate your policy whenever you wish so never feel that you’re stuck with any specific company for the entire policy term.
Be persistent and save
Low-cost Chevy Sonic insurance in Austin can be bought from both online companies in addition to local insurance agencies, so you need to quote Austin auto insurance with both to have the best selection. Some companies may not have online rate quotes and many times these regional insurance providers provide coverage only through independent agents.
As you go through the steps to switch your coverage, make sure you don’t buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed physical damage coverage and learned later that the savings was not a smart move. The proper strategy is to get the best coverage possible at the best possible price while still protecting your assets.
People switch companies for a number of reasons such as high rates after DUI convictions, delays in responding to claim requests, policy cancellation and poor customer service. Regardless of your reason for switching companies, choosing a new insurance company can be easier than you think.
Much more information about car insurance in Texas is located below:
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- Who Has Affordable Austin Auto Insurance for Drivers with Good Credit? (FAQ)
- What Auto Insurance is Cheapest for Seniors in Austin? (FAQ)
- Who Has Cheap Austin Auto Insurance Quotes for a Nissan Sentra? (FAQ)
- Who Has Cheap Auto Insurance for a 20 Year Old Male in Austin? (FAQ)
- How Much is Austin Auto Insurance for a Ford Explorer? (FAQ)
- How Much is Auto Insurance for a Honda Accord in Austin? (FAQ)
- Who Has Cheap Austin Car Insurance Rates for Electric Cars? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Veterans in Austin? (FAQ)
- Child Safety Seats (Insurance Information Institute)
- Eight Auto Insurance Myths (Insurance Information Institute)