Do you want to save money by finding lower-priced Chevy Sonic insurance in Philadelphia? Trying to find low cost Chevy Sonic insurance in Philadelphia can be very difficult for drivers who have little experience online comparison shopping. Consumers have so many choices that it can quickly become a big hassle to find the perfect company for you.
It’s safe to assume that car insurance companies don’t want customers comparing rates. Drivers who perform rate comparisons are highly likely to move their business because there is a significant possibility of finding discount prices. A survey found that people who made a habit of comparing rate quotes saved on average $72 a month compared to people who didn’t regularly shop around.
If finding the cheapest price for car insurance is your ultimate objective, understanding how to find and compare insurance can help make the process easier.
What Determines Chevy Sonic Insurance Costs?
An important part of buying insurance is that you know some of the elements that help determine the price you pay for auto insurance. If you understand what influences your rates, this enables you to make decisions that can help you get cheaper rates. Lots of factors are considered when quoting car insurance. A few of the factors are predictable such as traffic violations, but some are not quite as obvious like your vehicle usage or your vehicle rating.
Listed below are some of the factors that factor into rates.
Do you really need to file that insurance claims? – Insurance companies in Pennsylvania provide the best rates to policyholders that do not abuse their auto insurance. If you file a lot of claims you can pretty much guarantee either higher rates or even cancellation. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
Responsible drivers pay better rates – Being a careful driver has a huge affect on how much you pay. Even a single citation can increase rates to the point where it’s not affordable. Good drivers get better rates as compared to those with violations. Drivers with careless violations such as DUI or willful reckless driving may find they need to prove financial responsibility with their state motor vehicle department in order to continue driving.
Pay less with a high safety rating – Cars with five star safety ratings tend to be cheaper to insure. Vehicles engineered for safety result in less severe injuries and lower injury rates means less money paid by your insurance company and lower rates for you. If your Chevy earned at least four stars on Safercar.gov you are probably receiving a discount.
Your car’s features help determine auto insurance rates – Buying a car with a theft deterrent system can save you some money. Theft deterrent systems like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent car theft and help bring rates down.
Chevy Sonic insurance claim data – Insurance companies use data from past claims when setting rates for each model. Vehicles that statistically have higher loss trends will have a higher premium rate. The next table illustrates the historical insurance loss data for Chevy Sonic vehicles.
For each policy coverage type, the claim amount for all vehicles, as an average, is equal to 100. Numbers under 100 suggest losses that are better than average, while values over 100 indicate a higher chance of having a claim or a tendency for losses to be larger than average.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Chevrolet Sonic | 104 | 132 | 91 | 167 | 189 | 159 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Compare Philadelphia Chevy Sonic insurance quotes online
When comparing car insurance rates, know that quoting more helps you find the best price.
The auto insurance companies shown below can provide price comparisons in Philadelphia, PA. If several companies are displayed, it’s highly recommended you visit as many as you can to find the cheapest auto insurance rates.
Insurance does more than just repair your car
Even though Philadelphia Sonic insurance rates can get expensive, maintaining insurance is not optional due to several reasons.
First, almost all states have compulsory liability insurance requirements which means state laws require specific limits of liability coverage if you don’t want to risk a ticket. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a loan on your vehicle, it’s most likely the lender will make it mandatory that you have insurance to guarantee their interest in the vehicle. If you default on your policy, the bank may buy a policy for your Chevy for a lot more money and require you to reimburse them much more than you were paying before.
Third, insurance preserves both your assets and your car. Insurance will also pay for all forms of medical expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay attorney fees in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, your insurance policy will cover the repair costs.
The benefits of carrying enough insurance greatly outweigh the cost, particularly if you ever have a claim. The average driver in America is currently overpaying as much as $750 every year so you should quote rates once a year at a minimum to make sure the price is not too high.
Cheaper rates by getting discounts
Some insurers don’t always list every discount they offer in a way that’s easy to find, so the below list has some of the more common and the more hidden discounts that you can inquire about if you buy Philadelphia car insurance online.
- ABS Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control are much safer to drive so companies give up to a 10% discount.
- E-sign Discounts – Certain larger companies provide a small discount for completing your application on the web.
- Life Insurance Discount – Not all companies offer life insurance, but some may give you a lower rate if you buy life insurance.
- Good Student – Performing well in school can earn a discount of 20% or more. Most companies allow this discount up to age 25.
- Theft Deterrent – Cars optioned with advanced anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
It’s important to understand that many deductions do not apply to your bottom line cost. Some only reduce specific coverage prices like comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any qualifying discounts will cut your policy premiums.
A list of companies and a partial list of their discounts are outlined below.
- State Farm includes discounts for anti-theft, good driver, student away at school, passive restraint, Drive Safe & Save, and driver’s education.
- Esurance has discounts for Switch & Save, homeowner, multi-car, multi-policy, and emergency road assistance.
- Progressive offers discounts for multi-policy, multi-vehicle, online signing, continuous coverage, and homeowner.
- Liberty Mutual may offer discounts for multi-policy, preferred payment discount, new move discount, safety features, teen driver discount, and exclusive group savings.
- Auto-Owners Insurance offers discounts including company car, safe driver, mature driver, group or association, and paid in full.
- GEICO policyholders can earn discounts including daytime running lights, good student, five-year accident-free, military active duty, anti-lock brakes, and membership and employees.
If you are trying to find affordable Philadelphia car insurance quotes, ask each company to apply every possible discount. Some credits may not apply in Philadelphia. To choose companies who offer free Chevy Sonic insurance quotes in Pennsylvania, click this link.
Car insurance quotes from local Philadelphia insurance agents
Some consumers still prefer to buy from a local agent and often times that is recommended A nice benefit of price shopping on the web is that drivers can save money and get the lowest rates and still choose a local agent. And buying from neighborhood insurance agencies is important especially in Philadelphia.
By using this quick form, your coverage information is immediately sent to participating agents in Philadelphia who want to provide quotes for your car insurance coverage. It makes it easy because there is no need to visit any agencies due to the fact that quote results will go to you instantly. You can get cheaper car insurance rates AND a local agent. If you want to get a price quote for a specific company, don’t hesitate to jump over to their website and submit a quote form there.
When looking for a good Philadelphia insurance agent, it’s important to understand the different agency structures from which to choose. Agencies in Philadelphia can either be exclusive or independent (non-exclusive).
Independent Insurance Agents
Independent insurance agents are appointed with more than one company and that enables them to quote your coverage with any number of different companies and find you the best rates. To transfer your coverage to a different company, they simply move the coverage in-house which makes it simple for you.
When comparing rate quotes, you need to check rates from a few independent agents so that you can do a thorough price comparison. Most have the option of insuring with lesser-known insurance companies which can be an advantage.
Listed below is a list of independent agencies in Philadelphia who may provide free rate quotes.
- K and A Insurance Agency
5520 Wayne Ave – Philadelphia, PA 19144 – (215) 991-4900 – View Map - Torri Insurance Agency
214 Fairmount Ave – Philadelphia, PA 19123 – (800) 701-5909 – View Map - Larry Lewis Insurance Agency, LLC
4548 Market St #208 – Philadelphia, PA 19139 – (215) 243-4110 – View Map
Exclusive Car Insurance Agents
Agents that elect to be exclusive work for only one company like Allstate, State Farm and Farmers Insurance. Exclusive agents cannot provide other company’s prices so they really need to provide good service. Exclusive insurance agents receive a lot of sales training on their company’s products and that enables them to sell even at higher rates. A lot of people choose to use an exclusive agent mostly because of loyalty to the company rather than having low rates.
The following is a short list of exclusive agencies in Philadelphia who can help you get price quotes.
- Brian Madalion – State Farm Insurance Agent
7208 Ogontz Ave – Philadelphia, PA 19138 – (215) 549-4900 – View Map - Allstate Insurance: Bruce Datil
4201 I St – Philadelphia, PA 19124 – (215) 288-7992 – View Map - Ahida Garcia – State Farm Insurance Agent
716 Adams Ave Ste 8 – Philadelphia, PA 19124 – (215) 533-5550 – View Map
Finding a good car insurance agent should depend on more than just the quoted price. Any agent in Philadelphia should be willing to answer these questions.
- Do they make recommendations based only on price?
- Which members of your family are coverage by the policy?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Will a damage claim use OEM or aftermarket replacement parts?
- Do they review policy coverages at every renewal?
- Can they provide you with a list of referrals?
- Do they feel the quoted coverages are adequate?
If you receive positive feedback for all questions you ask and an acceptable price quote, you may have found an auto insurance agent that is reliable enough to properly insure your vehicles. Just understand that you have the power to terminate coverage at any time so never feel you are locked into any specific company indefinitely.
Don’t assume everyone needs the same auto insurance coverage
Always keep in mind that when comparing coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique.
These are some specific questions might help in determining if you could use an agent’s help.
- Is my Chevy Sonic covered for flood damage?
- How do I buy GAP insurance?
- What are the liability requirements in my state?
- Can I rate high risk drivers on liability-only vehicles?
- Do I have any recourse if my insurance company denies a claim?
- I have a DUI can I still get coverage?
- Are my friends covered when driving my car?
- Do I need special endorsements for business use of my vehicle?
- Am I covered when driving someone else’s vehicle?
If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form.
Quote. Compare. Save.
People change insurance companies for a number of reasons such as lack of trust in their agent, questionable increases in premium, an unsatisfactory settlement offer and even not issuing a premium refund. Regardless of your reason, switching car insurance companies is pretty simple and you could end up saving a buck or two.
When searching for the cheapest Chevrolet Sonic rate quotes, you should never buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped physical damage coverage to discover at claim time that they should have had better coverage. Your strategy should be to buy the best coverage you can find at the best price, but don’t skip important coverages to save money.
Cheaper Chevy Sonic insurance in Philadelphia is possible both online and from local agencies, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who do not provide rate quotes online and most of the time these regional insurance providers work with local independent agents.
Helpful learning opportunities
- What is a Telematics Device? (Allstate)
- Who Has the Cheapest Auto Insurance for Real Estate Agents in Philadelphia? (FAQ)
- Auto Crash Statistics (Insurance Information Institute)
- Medical Payments Coverage (Liberty Mutual)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)