Lower Your 2013 Chevrolet Sonic Insurance Rates

Looking for lower insurance coverage rates for your Chevrolet Sonic? Did you come to the realization that you have high-priced insurance coverage? You’re in good company because you are not the only one feeling buyer’s remorse. Online insurance companies like State Farm, Geico and Farmers Insurance persitently shower you with ads and it is challenging if not impossible to see past the geckos and flying pigs and take the time to shop coverage around.

If you are insured now or are just looking to switch companies, you can follow these tips to reduce the price you pay and still get good coverage. Buying car insurance is not rocket science. Vehicle owners just need to know the most effective way to compare price quotes online.

How to compare insurance price quotes

Cutting your insurance rates doesn’t have to be difficult. All you need to do is take time comparing rates to find out which insurance company has low cost insurance quotes. It’s super easy and can be done using one of these methods.

The easiest and least time consuming way to find low rates is an all-inclusive rate comparison click to view form in new window. This type of form saves time by eliminating separate quote forms for each company. One form submission gets coverage cost estimates from many national carriers.

A slightly less efficient method to analyze rates consists of visiting each company website and request a quote. For example, we’ll pretend you want to compare USAA, State Farm and American Family. You would have to go to each individual site and repeatedly type in your coverage information, which can take a lot of time.

For a list of links to insurance companies in your area, click here.

How you compare quotes is your choice, just make sure you compare apples-to-apples coverage limits and deductibles for every quote you compare. If you have unequal deductibles or liability limits it will be next to impossible to decipher which rate is best.

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Do you qualify for discounts?

Companies that sell car insurance don’t list every disount available very clearly, so here is a list a few of the more well known and the more hidden ways to save on car insurance. If you do not check that you are getting every discount available, you are just wasting money.

• Multiple Cars – Having all your vehicles with one company may reduce the rate for each vehicle.
• Save over 55 – If you qualify as a senior citizen, you could receive better car insurance rates for Sonic insurance.
• ABS and Traction Control Discounts – Cars and trucks that have anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
• Accident-Free Discounts – Good drivers with no accidents pay less in comparison to bad drivers.
• Life Insurance Discount – Larger companies have a small discount if you purchase auto and life insurance together.
• Safety Restraint Discount – Forcing all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to the overall cost of the policy. Most only cut specific coverage prices like comp or med pay. Even though the math looks like you could get a free car insurance policy, it’s just not the way it works.

A partial list of companies that may include some of the discounts shown above include:

• State Farm
• Geico
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

It’s a good idea to ask every prospective company to apply every possible discount. Some discounts may not apply to policies in your area. If you would like to view providers that can offer you the previously mentioned discounts, follow this link.

Don’t assume everyone needs the same auto insurance coverage

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions may help highlight whether you may require specific advice.

• Why does it cost so much to insure a teen driver?
• Do I have coverage when using my vehicle for my home business?
• Is my teenager covered with friends in the car?
• Do I need replacement cost coverage on my 2013 Chevy Sonic?
• Are split liability limits better than a combined single limit?
• Do I have coverage if my license is suspended?
• Will I be non-renewed for getting a DUI or other conviction?
• Am I covered if I crash into my own garage door?
• How much liability insurance is required?
• How high should my uninsured/underinsured coverage be in my state?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.

Car insurance coverage breakdown

Understanding the coverages of your policy can help you determine the best coverages and proper limits and deductibles. Car insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on most car insurance policies.

Collision coverage

Collision coverage will pay to fix damage to your Sonic caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a parking meter, crashing into a building and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills such as X-ray expenses, EMT expenses, rehabilitation expenses and ambulance fees. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as a broken windshield, hail damage, fire damage, falling objects and theft. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chevy Sonic.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability car insurance

Liability insurance protects you from damages or injuries you inflict on other’s property or people. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as repair costs for stationary objects, repair bills for other people’s vehicles and bail bonds. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

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Money doesn’t grow on trees

Throughout this article, we presented some good ideas how to lower your 2013 Chevy Sonic insurance car insurance rates. The key thing to remember is the more companies you get premium rates for, the higher your chance of finding cheap insurance. You may even find the lowest car insurance rates come from a company that doesn’t do a lot of advertising. Regional companies can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.

When getting insurance quotes online, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to find the BEST coverage at the best price and still be able to protect your assets.

Helpful articles

• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)
• What is Gap Insurance? (Insurance Information Insitute)
• Alcohol Impaired Driving FAQ (iihs.org)
• What Does No-Fault Insurance Cover? (Allstate)

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