Would you like to find low-cost Chevy Sonic insurance in Lubbock? Locating the lowest price Lubbock Chevy Sonic insurance quotes can appear to be rather challenging for consumers who are new to comparing rates on the web. Since there are so many companies, how can Lubbock drivers efficiently compare every company in order to find the cheapest rates?
How to quote cheaper Chevy Sonic insurance in Lubbock
If you want to save the most money, the best way to find the cheapest price for Chevy Sonic insurance is to compare prices once a year from insurance carriers that insure vehicles in Lubbock.
First, take a few minutes and learn about coverages and the factors you can control to drop your rates. Many policy risk factors that result in higher rates such as at-fault accidents, careless driving, and a negative credit score can be amended by making lifestyle changes or driving safer. Keep reading for instructions to prevent rate hikes and get discounts that may be available to you.
Second, request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO and State Farm, while independent agents can provide price quotes for a wide range of insurance providers.
Third, compare the new rate quotes to the price on your current policy and see if you can save money. If you find a lower rate, ensure there is no coverage lapse between policies.
One bit of advice is to try to compare identical coverages on every price quote and and to get price quotes from as many companies as feasibly possible. This provides a level playing field and a good representation of prices.
Shocking but true, almost 70% of drivers have bought auto insurance from the same company for well over three years, and 38% of drivers have never shopped around. Lubbock drivers can cut their rates by 70% a year just by comparing rates, but they assume it’s a waste of time to shop their coverage around.
If you already have coverage, you will surely be able to buy cheaper car insurance using the tips covered below. The goal of this article is to teach you a little about how insurance works and how to save the most money. Although Texas consumers must comprehend how big insurance companies calculate their prices and apply this information to your search.
Compare Chevy Sonic insurance rates
To get affordable Chevrolet Sonic insurance quotes, there a variety of ways to compare quotes from many different Texas insurance companies. The best way to find affordable Chevy Sonic insurance rates is to use the internet to compare rates. Keep in mind that having more price comparisons increases your odds of finding a lower rate. Not every company does rate quotes online, so you also need to get quotes from them as well.
The car insurance companies shown below are ready to provide price quotes in Texas. To buy cheap auto insurance in Texas, it’s highly recommended you click on several of them to get the best price comparison.
Three reasons to not skimp on auto insurance
Even though it can be expensive, auto insurance is required in Texas but it also protects you in many ways.
- Just about all states have minimum mandated liability insurance limits which means you are required to carry specific minimum amounts of liability if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your Sonic, it’s guaranteed your bank will require that you have insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender may have to buy a policy to insure your Chevy for a much higher rate and require you to pay the higher price.
- Insurance safeguards both your car and your personal assets. It will also reimburse you for medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to have it repaired.
The benefits of insuring your Sonic more than offset the price you pay, particularly when you have a large claim. An average driver in America overpays as much as $869 every year so it’s recommended you shop around at every policy renewal to ensure rates are inline.
Get cheaper Chevy Sonic insurance in Lubbock with discounts
The price of auto insurance can be rather high, but discounts can save money and there are some available that could help you make your next renewal payment. A few discounts will be applied at quote time, but a few must be requested specifically in order for you to get them. If you don’t get every credit you qualify for, you could be getting lower rates.
- Distant Student – Any of your kids who are enrolled in a college that is more than 100 miles from Lubbock and won’t have access to an insured vehicle can be insured at a reduced rate.
- Fewer Miles Equal More Savings – Keeping the miles down on your Chevy could qualify for cheaper rates.
- Multi-policy Discount – When you combine your auto and homeowners insurance with one company you could earn a discount of 10% to 20% off each policy.
- Organization Discounts – Belonging to specific professional or occupational memberships or organizations could trigger savings on insurance.
- Mature Driver Discount – If you’re over the age of 55, you may qualify for better insurance rates.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and the ABS can save up to 10%.
A little disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, you aren’t that lucky. Any qualifying discounts will lower the cost of your policy.
Companies who might offer some of the discounts shown above are:
Double check with each company how many discounts you can get. All car insurance discounts may not apply in Lubbock.
What if I want to buy from local Lubbock auto insurance agents?
A lot of people prefer to go talk to an agent and often times that is recommended One of the benefits of getting online price quotes is you may find better rates and still choose a local agent.
After filling out this short form, your insurance coverage information is transmitted to local insurance agents in Lubbock who will give you quotes for your insurance coverage. It makes it easy because there is no need to contact any agents since rate quotes are delivered to the email address you provide. You’ll get the best rates and a licensed agent to work with. If you have a need to compare rates from a specific company, don’t hesitate to go to their quote page and give them your coverage information.
Picking the best company should depend on more than just a cheap quote. These are valid questions to ask:
- Is every driver in your family covered?
- What company do they have the most business with?
- Are they able to provide referrals?
- Are they in the agency full-time?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- If you raise deductibles, how much can you save?
- What is the agency’s Better Business Bureau rating?
Different types of car insurance agents in Lubbock
When finding an insurance agent, you need to know there are two different types of agents and how they differ in how they can insure your vehicles. Lubbock agents are either independent or exclusive.
Exclusive Auto Insurance Agencies
Exclusive agencies work for only one company such as Allstate, AAA, Farmers Insurance, and State Farm. They are unable to compare rates from other companies so it’s a take it or leave it situation. These agents receive a lot of sales training on their products and sales techniques which helps overcome the inability to quote other rates. Some insured continue to buy from the same agent for years partially due to the brand and the convenience of having a single billing for all their coverages.
Shown below are Lubbock exclusive agents that are able to give price quotes.
- Scott Powell – State Farm Insurance Agent
3410 98th St Ste 3 – Lubbock, TX 79423 – (806) 793-2855 – View Map
- Tommy Reece – State Farm Insurance Agent
3114 50th St – Lubbock, TX 79413 – (806) 793-0646 – View Map
- Farmers Insurance – Rc Calderon
1314 50th St – Lubbock, TX 79412 – (806) 741-1515 – View Map
Independent Auto Insurance Agents
Agents of this type do not have single company limitations so they have the ability to put coverage with multiple insurance companies and help determine which has the cheapest rates. If premiums increase, they simply move the coverage in-house which makes it simple for you.
If you are trying to find cheaper rates, you need to include price quotes from several independent insurance agents to have the best price comparison. Most also have access to small mutual carriers which may provide better rates.
The following are independent insurance agencies in Lubbock willing to provide comparison quotes.
- Area Insurance Associates
4202 Avenue Q – Lubbock, TX 79412 – (806) 747-2400 – View Map
- Advanced Insurance
3225 50th St – Lubbock, TX 79413 – (806) 799-0052 – View Map
- Sanford and Tatum Insurance Agency
5241 98th St – Lubbock, TX 79424 – (806) 792-5564 – View Map
Learn about car insurance coverages for a Chevy Sonic
Knowing the specifics of a car insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.
Comprehensive coverages – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like fire damage, a broken windshield and rock chips in glass. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Liability insurance – Liability coverage will cover damage that occurs to people or other property. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 30/60/25 that means you have $30,000 bodily injury coverage, a per accident bodily injury limit of $60,000, and a limit of $25,000 paid for damaged property.
Liability coverage pays for claims such as loss of income, attorney fees, medical services, legal defense fees and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible. Texas state minimum liability requirements are 30/60/25 but it’s recommended drivers buy more liability than the minimum.
The chart below shows why buying low liability limits may not be high enough to adequately cover claims.
Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like prosthetic devices, X-ray expenses, hospital visits, pain medications and nursing services. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
Uninsured and underinsured coverage – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Chevy Sonic.
Due to the fact that many Texas drivers carry very low liability coverage limits (Texas limits are 30/60/25), their limits can quickly be used up. So UM/UIM coverage is very important.
Collision coverage – This coverage pays for damage to your Sonic resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like rolling your car, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible on your Sonic to bring the cost down.
Frequent quotes can save
People leave their current company for any number of reasons including delays in paying claims, an unsatisfactory settlement offer, extreme rates for teen drivers or high prices. Regardless of your reason, choosing a new company is actually quite simple.
You just read a lot of tips how to shop for Chevy Sonic insurance online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the best prices are with the least-expected company.
More affordable car insurance in Lubbock is definitely available online and with local Lubbock insurance agents, and you should be comparing both to get a complete price analysis. Some companies don’t offer the ability to get quotes online and most of the time these smaller providers sell through independent insurance agencies.
Steps to finding cheaper rates for Chevy Sonic insurance in Lubbock
Truthfully, the best way to find the cheapest price for Chevy Sonic insurance in Lubbock is to compare prices regularly from providers that insure vehicles in Texas. This can be done by completing these steps.
Step 1: Read about car insurance and the changes you can make to prevent expensive coverage. Many policy risk factors that increase rates like speeding and an unacceptable credit history can be remedied by making minor driving habit or lifestyle changes.
Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from one company like GEICO or State Farm, while agents who are independent can provide prices from multiple sources.
Step 3: Compare the new quotes to your existing rates and see if there is a cheaper rate. If you can save some money and buy the policy, ensure coverage does not lapse between policies.
A good tip to remember is to try to use identical limits and deductibles on every price quote and and to get prices from as many auto insurance providers as possible. Doing this enables an apples-to-apples comparison and a thorough price selection.
More detailed car insurance information is located in these articles:
- Understanding Limits and Deductibles (Allstate)
- Who Has Affordable Lubbock Auto Insurance for a School Permit? (FAQ)
- What Car Insurance is Cheapest for Inexperienced Drivers in Lubbock? (FAQ)
- What Insurance is Cheapest for Teenagers in Lubbock? (FAQ)
- How Much is Auto Insurance for Retired Military in Lubbock? (FAQ)
- Who Has Cheap Lubbock Auto Insurance for a GMC Sierra? (FAQ)
- What Car Insurance is Cheapest for 4×4 Vehicles in Lubbock? (FAQ)
- Insurance Losses by Make and Model (iihs.org)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Auto Insurance for Teen Drivers (Insurance Information Institute)