Comparing Cincinnati auto insurance quotes online can be challenging if you have never used quoting online. Don’t be baffled because finding cheaper quotes for Chevy Sonic insurance in Cincinnati is actually fairly simple.
How to find more affordable Chevy Sonic insurance in Cincinnati
If you want to save money, the best way to get discount Chevy Sonic insurance is to annually compare prices from different companies in Cincinnati. You can compare prices by following these steps.
First, try to learn a little about how car insurance works and the factors you can control to keep rates low. Many rating factors that are responsible for high rates like careless driving and poor credit history can be rectified by making minor changes to your lifestyle.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from a single company like GEICO and Allstate, while agents who are independent can give you price quotes from many different companies.
Third, compare the new quotes to your current policy to see if a cheaper price is available in Cincinnati. If you can save some money and make a switch, make sure coverage does not lapse between policies.
One key aspect of rate comparisons is to make sure you’re comparing the same liability limits and deductibles on every price quote and to quote with as many different insurance providers as possible. This enables an apples-to-apples comparison and a complete price analysis.
It’s an obvious conclusion that insurance companies don’t want you to look for a cheaper policy. People who shop around for the cheapest price will probably buy a new policy because they stand a good chance of finding good coverage at a lower price. A recent survey found that consumers who made a habit of comparing rates saved on average $70 a month compared to drivers who don’t make a habit of comparing rates.
If finding the cheapest rates on car insurance is your intention, knowing the best way to shop and compare coverages can make it easier for you to save money.
Buying the cheapest car insurance in Cincinnati is much easier if you have a good place to start. Essentially every person who has to buy car insurance will probably be able to reduce their rates. But Ohio vehicle owners do need to understand the way insurance companies price insurance differently and take advantage of how the system works.
How much does Chevy Sonic insurance in Cincinnati, Ohio cost?
When shopping for Chevy Sonic insurance in Cincinnati there are multiple ways to get quotes from different Cincinnati insurance companies. One of the best ways to find cheaper Chevy Sonic rates consists of shopping online. When quoting insurance, remember that comparing a wide range of rates increases the chance that you will find the best offered rates. Some regional insurers cannot provide online price quotes, so you need to compare quotes on coverage from those companies, too.
The companies shown below are our best choices to provide free rate quotes in Cincinnati, OH. In order to find cheap car insurance in Cincinnati, it’s highly recommended you get price quotes from several of them to find the cheapest auto insurance rates.
Three good reasons to insure your Chevy Sonic
Despite the potentially high cost of Chevy Sonic insurance, insuring your vehicle is required in Ohio but it also protects you in many ways.
- Most states have minimum mandated liability insurance limits which means state laws require a specific level of liability insurance in order to drive the car legally. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you bought your Chevy Sonic with a loan, it’s most likely the lender will require you to buy full coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Chevy at a much higher premium rate and force you to reimburse them a much higher amount than you were paying before.
- Auto insurance preserves not only your vehicle but also your financial assets. It will also cover medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of insuring your car greatly outweigh the cost, particularly when you have a large claim. Today the average American driver is overpaying more than $855 a year so we recommend shopping around at every renewal to ensure rates are competitive.
Five Things That Affect Your Insurance Costs
Multiple criteria are part of the calculation when you get a price on insurance. Some are obvious like your driving record, although some other factors are not as apparent like your vehicle usage or how safe your car is.
Cars with good safety ratings means lower prices – Cars with five star safety ratings can get you lower premiums. Safer cars reduce injuries and fewer injuries translates into savings for insurance companies and cheaper rates on your policy.
Prevent your car from being stolen – Choosing a vehicle with advanced anti-theft systems can save you some money. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop car theft.
Reserve policy claims for larger damages – Car insurance companies in Ohio award the lowest premiums to insureds who are claim-free. If you’re an insured who likes to file claims you can expect higher premiums or even policy non-renewal. Your insurance policy is designed for major claims that would cause financial hardship.
Save money with higher comp and collision deductibles – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Some coverage claims are running into the backend of another car, vandalism, and having your car stolen. Deductibles for physical damage are the amount of money you are required to pay before a claim is paid by your company. The higher the amount you have to pay, the lower your rates will be.
Your liability limits – Liability coverage will provide protection in the event that a jury decides you are liable for damages caused by your negligence. It will provide you with a defense in court which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
Chevy Sonic insurance loss probability – Companies use historical loss data as a tool for profitable underwriting. Vehicles that have higher frequency or amount of claims will have higher premium rates. The table below shows the insurance loss data for Chevy Sonic vehicles.
For each policy coverage, the statistical loss for all vehicles averaged together is equal to 100. Numbers below 100 imply a favorable loss record, while values that are above 100 show a trend for more claims or tendency to have higher losses.
| Specific Chevrolet Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Chevrolet Sonic | 104 | 132 | 91 | 167 | 189 | 159 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Ohio car insurance companies
Selecting a high-quality car insurance provider is hard considering how many choices you have in Cincinnati. The information in the lists below may help you choose which coverage providers to look at comparing rate quotes with.
Top 10 Cincinnati Car Insurance Companies Overall
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
The most affordable rates come from being thorough
When searching for inexpensive Cincinnati auto insurance quotes, you should never skimp on coverage in order to save money. There are a lot of situations where someone dropped uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. Your aim should be to get the best coverage possible at an affordable rate, but do not sacrifice coverage to save money.
We covered a lot of ways to reduce Chevy Sonic insurance premium rates online in Cincinnati. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers may even find the lowest premium rates are with a company that doesn’t do a lot of advertising.
Drivers leave their current company for any number of reasons including lack of trust in their agent, poor customer service, delays in responding to claim requests and even questionable increases in premium. Regardless of your reason, switching car insurance companies is not as difficult as it may seem.
Steps to finding lower priced Chevy Sonic insurance in Cincinnati
The best way to save money on Chevy Sonic insurance in Cincinnati is to compare quotes annually from insurers who provide auto insurance in Ohio. Rates can be compared by completing these steps.
- Read and learn about how car insurance works and the measures you can control to keep rates low. Many factors that result in higher rates like careless driving and a less-than-favorable credit rating can be controlled by making minor changes to your lifestyle.
- Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like Progressive or State Farm, while independent agencies can give you price quotes from multiple sources. Click to view companies
- Compare the new rates to your existing coverage and determine if there is any savings. If you find a lower rate and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Give notification to your current company of your decision to cancel your current car insurance policy. Submit payment and a completed application to the new company. Once the application is submitted, safely store the proof of insurance certificate in your glove compartment.
One key aspect when comparing rates is to use the same amount of coverage on every quote request and and to analyze as many auto insurance providers as possible. This enables a level playing field and a thorough price selection.
Additional car insurance information is located at these links:
- Safe Vehicles for Teens (iihs.org)
- Who Has Cheap Auto Insurance Rates for a Nissan Rogue in Cincinnati? (FAQ)
- What Insurance is Cheapest for Low Income Drivers in Cincinnati? (FAQ)
- Who Has Affordable Cincinnati Auto Insurance for a 20 Year Old Male? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Seniors in Cincinnati? (FAQ)
- Safety Features for Your New Car (State Farm)
- Drunk Driving Statistics (Insurance Information Institute)
- Learn About Car Insurance (GEICO)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)