If your goal is the lowest price, then the best way to find cheaper Chevy Sonic insurance in Greensboro is to make a habit of regularly comparing prices from different companies that insure vehicles in North Carolina. This can be done by following these guidelines.
- Step 1: Take a few minutes and learn about what is in your policy and the modifications you can make to prevent expensive coverage. Many things that are responsible for high rates like traffic violations and a not-so-good credit rating can be remedied by making minor driving habit or lifestyle changes. Read the full article for information to find cheap prices and get additional discounts.
- Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive and State Farm, while independent agencies can provide price quotes for many different companies.
- Step 3: Compare the new rate quotes to your current policy premium to determine if switching companies saves money. If you can save money, make sure coverage does not lapse between policies.
- Step 4: Give proper notification to your current agent or company of your intention to cancel your current policy. Submit a signed application and payment for the new coverage. As soon as you receive it, place your new proof of insurance certificate above your visor, in the console, or in the glove compartment.
One bit of advice is that you’ll want to make sure you compare similar limits and deductibles on every quote request and and to get quotes from as many different companies as possible. Doing this guarantees an accurate price comparison and a complete price analysis.
Unbelievable but true according to a study nearly 70% of North Carolina drivers kept buying from the same company for four years or more, and practically 40% of insurance customers have never compared quotes from other companies. The average driver in the United States could cut their rates by approximately $859 a year by just shopping around, but most undervalue how much they could save if they switch to a new company.
Buying the cheapest auto insurance in Greensboro can be made easier if you know where to look. Nearly every person who compares rate quotes for auto insurance will most likely be able to find better rates. But North Carolina vehicle owners should learn how the larger insurance companies sell insurance online and use it to find better rates.
Best companies for Chevy Sonic insurance
The companies shown below have been selected to offer price comparisons in North Carolina. To buy the best cheap auto insurance in North Carolina, we recommend you click on several of them to get a more complete price comparison.
How do Car Insurance Companies Determine Chevy Sonic Insurance Costs?
One of the most helpful ways to save on insurance is to to have a grasp of the factors that play a part in calculating your premiums. If you have a feel for what influences your rates, this allows you to make educated decisions that may reward you with lower premium levels.
The items below are some of the most common factors that factor into your rate level.
High comp and collision deductibles save money – Comp and collision deductibles define how much you are willing to pay out-of-pocket if you file a covered claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some examples of claims that would be covered are colliding with a stationary object, damage from fire, or theft of your vehicle. The more expense you have to pay, the bigger discount you will receive.
High claims frequency drives up rates – Companies in North Carolina give the lowest premiums to insureds who file claims infrequently. If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
Gender is a factor – Statistics demonstrate that women are safer drivers than men. However, don’t assume that females are better at driving than males. Men and women are responsible for auto accidents in similar numbers, but the men get into accidents with more damage. Men also receive more major tickets like driving under the influence (DUI).
Stressful vocation may mean higher premiums – Did you know your occupation can influence how much you pay for insurance? Occupations such as judges, business owners, and emergency personnel generally pay higher premium rates due to intense work requirements and extremely grueling work hours. On the other hand, occupations like professors, historians and the unemployed generally pay rates lower than average.
Location can modify price – Having an address in areas with lower population is a positive aspect when buying insurance. Lower population means fewer accidents as well as less vandalism and auto theft. City drivers have to deal with much more traffic and a longer drive to work. Spending more time driving means a statistically higher chance of an accident.
Insurance loss probability for a Chevy Sonic – Companies study historical loss data when they set coverage costs for each model. Vehicles that are shown to have higher prevalence or dollar amount of losses will cost more for specific coverages.
The table below demonstrates the loss history for Chevy Sonic vehicles. For each policy coverage type, the statistical loss for all vehicles, without regard to make or model, is represented as 100. Numbers that are below 100 suggest losses that are better than average, while values over 100 point to more claims or a tendency for losses to be larger than average.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Chevrolet Sonic | 104 | 132 | 91 | 167 | 189 | 159 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Discounts for affordable car insurance quotes
Car insurance can be pricey, but you may qualify for discounts that may help make it more affordable. Some discounts apply automatically at quote time, but a few must be asked about prior to getting the savings.
- Early Switch Discount – Some companies provide a discount for switching companies early. Ten percent is about the average savings.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more on Sonic insurance in Greensboro.
- Theft Deterrent – Cars equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Multi-car Discount – Insuring multiple cars or trucks on the same car insurance policy can reduce rates for all insured vehicles.
- Memberships – Participating in qualifying clubs or civic groups could trigger savings when shopping for car insurance.
- Auto/Life Discount – Some insurance companies give a discount if you purchase a life insurance policy as well.
- Paper-free Discount – A handful of larger companies will provide an incentive for completing your application on their website.
- New Vehicle Savings – Insuring a new Sonic can save you some money compared to insuring an older model.
- Early Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you can actually save on your bill.
It’s important to note that most discounts do not apply to all coverage premiums. Some only reduce specific coverage prices like comprehensive or collision. So even though it sounds like you could get a free car insurance policy, nobody gets a free ride.
A few of the larger companies and some of the premium reductions they offer are outlined below.
- State Farm has savings for Steer Clear safe driver discount, defensive driving training, Drive Safe & Save, passive restraint, and accident-free.
- Progressive may offer discounts for online quote discount, multi-vehicle, continuous coverage, online signing, multi-policy, and homeowner.
- Progressive offers discounts for homeowner, multi-policy, online quote discount, good student, and continuous coverage.
- MetLife may have discounts that include claim-free, defensive driver, good driver, good student, accident-free, multi-policy
- Farm Bureau offers discounts including 55 and retired, multi-policy, renewal discount, good student, safe driver, and multi-vehicle.
- GEICO discounts include good student, seat belt use, anti-lock brakes, anti-theft, multi-vehicle, emergency military deployment, and federal employee.
- SAFECO policyholders can earn discounts including anti-theft, multi-car, teen safe driver, bundle discounts, and homeowner.
If you want inexpensive Greensboro auto insurance quotes, ask all companies you are considering which discounts can lower your rates. Some credits may not apply to policies in your area. If you would like to choose from a list of companies with discount car insurance rates in North Carolina, click here to view.
Do I need an insurance agent?
Many people prefer to visit with an insurance agent. One of the benefits of comparing rates online is the fact that drivers can get cheap car insurance quotes and still have a local agent.
To make it easy to find an agent, after completing this simple form, your information is immediately sent to local insurance agents who will give you quotes and help you find cheaper coverage. It makes it easy because there is no need to contact any insurance agencies since rate quotes are delivered immediately to you. You can get cheaper car insurance rates without the usual hassles of price shopping. If you have a need to compare rates from a specific company, you would need to search and find their rate quote page and complete a quote there.
Selecting an company needs to be determined by more than just the quoted price. Any agent in Greensboro should be forthright in answering these questions:
- Can glass repairs be made at your home?
- Do they make recommendations based only on price?
- Do they regularly work with personal auto policies in Greensboro?
- Will you get a loaner vehicle if you car is being repaired?
- Are they actively involved in the community?
- How is replacement cost determined on your vehicle?
- Are there any discounts that you might be missing?
- Does the company use OEM repair parts?
If you are wanting to find a local Greensboro insurance agent, it’s helpful to know the different agency structures and how they work. Agents in Greensboro can be described as either independent agents or exclusive agents depending on their employer.
Exclusive Agents
Exclusive agents normally can only provide a single company’s rates such as Farmers Insurance, American Family, State Farm and Allstate. They generally cannot shop your coverage around so they really need to provide good service. They are well trained on their company’s products which helps them sell insurance even at higher premiums. Some insured continue to purchase coverage from exclusives mainly due to the prominence of the brand rather than having the cheapest rates.
Listed below are Greensboro exclusive insurance agents willing to provide price quote information.
- John Klopp – State Farm Insurance Agent
401 Battleground Ave – Greensboro, NC 27401 – (336) 268-9000 – View Map - Allstate Insurance: John F Davis
3800 S Holden Rd #101 – Greensboro, NC 27406 – (336) 299-9100 – View Map - State Farm: Eddie Collins
5709 W Market St – Greensboro, NC 27409 – (336) 854-1044 – View Map
Independent Agents (or Brokers)
Agents that elect to be independent are not restricted to one company so as a result can place your coverage with a variety of different insurance companies and possibly get better coverage at lower prices. If they find a cheaper price, your agent can switch companies which makes it simple for you. If you need lower rates, it’s recommended you contact several independent insurance agents so that you have a good selection of quotes to compare. They also have the ability to place coverage with additional companies that you may not be familiar with which can be an advantage.
The following are independent insurance agencies in Greensboro that are able to give price quotes.
- Pelnik Insurance
3828 Burlington Rd – Greensboro, NC 27405 – (336) 621-5057 – View Map - Nationwide Insurance: Multiple Line Ins Agency Inc
1919 Boulevard St d – Greensboro, NC 27407 – (336) 299-8877 – View Map - Senn Dunn Insurance
3625 N Elm St – Greensboro, NC 27455 – (336) 272-7161 – View Map
What is the best auto insurance company in Greensboro?
Finding a good quality car insurance company is hard considering how many different companies sell coverage in North Carolina. The company ratings below may help you pick which car insurance companies you want to consider shopping prices with.
Top 10 Greensboro Car Insurance Companies Overall
- Travelers
- USAA
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
- American Family
Top 10 Greensboro Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
- Esurance
How to know if you need help
When quoting and comparing the best car insurance coverage for your vehicles, there really is not a “best” method to buy coverage. You are unique and your car insurance should be unique as well.
For instance, these questions may help highlight whether or not you would benefit from an agent’s advice.
- Do I need roadside assistance coverage?
- Am I covered by my spouse’s policy after a separation?
- I don’t drive much so do I pay less?
- Can I rent a car in Mexico?
- Why am I required to get a high-risk car insurance policy?
- Am I covered when driving someone else’s vehicle?
If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.
Shop smart and save
You just learned a lot of ways to shop for Chevy Sonic insurance online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the most savings is with a smaller regional carrier. These companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm and Allstate.
Some insurance providers may not have rates over the internet and these smaller providers prefer to sell through independent insurance agencies. Cost effective Chevy Sonic insurance is definitely available on the web and from local agencies, and you should compare rates from both so you have a total pricing picture.
Much more information about car insurance in North Carolina can be found on the following sites:
- Drunk Driving Statistics (Insurance Information Institute)
- Who Has Cheap Greensboro Auto Insurance for Seniors? (FAQ)
- Who Has the Cheapest Car Insurance for a Chevrolet Equinox in Greensboro? (FAQ)
- Who Has Affordable Greensboro Car Insurance Rates for Teenagers? (FAQ)
- Who Has Affordable Auto Insurance Rates for Unemployed Drivers in Greensboro? (FAQ)
- Who Has the Cheapest Greensboro Auto Insurance for Good Drivers? (FAQ)
- Property Damage Coverage (Liberty Mutual)
- Safety Features for Your New Car (State Farm)
- Tools for Teen Driving Safety (State Farm)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)