2016 Chevrolet Sonic Car Insurance Cost – 5 Policy Discounts

Did a good deal turn out to be high-priced car insurance? Believe me when I say there are many drivers thinking the same thing. You have so many car insurance companies to choose from, and though it is a good thing to be able to choose, so many choices can make it hard to find the lowest rates.

The purpose of this article is to let you in on the best way to quote coverages. If you have car insurance now, you stand a good chance to be able to save some money using this information. Drivers only need to know the proper methods to compare price quotes on the web.

You may qualify for discounts

Companies that sell car insurance do not list the complete list of policy discounts very well, so the list below details a few of the more common as well as the least known discounts that may be available.

• Discount for Swiching Early – A few companies offer discounts for switching companies before your current coverage expires. It can save you around 10%.
• Policy Bundle Discount – If you combine your auto and homeowners policies with one company they may give you a discount of 10% to 20% off each policy.
• E-sign Discounts – Certain insurance companies give back up to $50 for buying your policy on your computer.
• Low Mileage Discounts – Keeping the miles down on your Chevy may allow you to get slightly better premium rates than normal.
• Discount for Life Insurance – If the company offers life insurance, you could get a small discount if you purchase some life insurance in addition to your auto policy.

Drivers should understand that most discounts do not apply to the overall cost of the policy. Most cut specific coverage prices like liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, nobody gets a free ride.

A few popular companies and some of their more popular discounts can be read below.

• Geico includes discounts for anti-lock brakes, multi-vehicle, seat belt use, federal employee, and multi-policy.
• Travelers offers premium reductions for IntelliDrive, payment discounts, early quote, continuous insurance, and home ownership.
• Nationwide has discounts for good student, easy pay, family plan, anti-theft, and business or organization.
• Farmers Insurance offers discounts including youthful driver, homeowner, business and professional, mature driver, and early shopping.
• Esurance may have discounts that include anti-lock brakes, online quote, safety device, DriveSense, good driver, defensive driver, and emergency road assistance.
• State Farm policyholders can earn discounts including multiple autos, student away at school, defensive driving training, anti-theft, and accident-free.
• Progressive offers discounts for multi-policy, homeowner, online signing, continuous coverage, multi-vehicle, online quote discount, and good student.
• Mercury Insurance may offer discounts for type of vehicle, good student, annual mileage, low natural disaster claims, anti-theft, multi-car, and age of vehicle.

If you need affordable car insurance quotes, ask every insurance company which discounts you may be entitled to. A few discounts may not apply to policies in your area. To see a list of providers who offer discounts, click here.

There’s no such thing as the perfect insurance policy

When choosing adequate coverage for your vehicles, there really is not a perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions might point out if your situation may require specific advice.

• How can I get my company to pay me more for my totalled car?
• Can I afford to buy a different vehicle if my 2016 Chevy Sonic is totaled?
• What is the rate difference between pleasure use and commuting?
• How much can I save by bundling my policies?
• Does liability extend to a camper or trailer?
• How do I insure my teen driver?
• Is my business laptop covered if it gets stolen from my vehicle?
• Is my trailer covered?
• Do I pay less for low miles?
• What is an SR-22 filing?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Learn about auto insurance coverages for a 2016 Chevy Sonic

Knowing the specifics of your policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average auto insurance policy.

Collision – This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like sideswiping another vehicle, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive protection – This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as vandalism, hitting a bird, fire damage, falling objects and rock chips in glass. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability – Liability coverage protects you from damage that occurs to a person or their property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as pain and suffering, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage – This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for bills for things like prosthetic devices, dental work and chiropractic care. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

A fool and his money are soon parted

Cheaper insurance coverage is attainable from both online companies and from local agencies, so get free car insurance quotes from both of them to have the best rate selection. Some insurance companies may not provide online quoting and these small insurance companies sell through independent insurance agencies.

When shopping online for insurance coverage, it’s not a good idea to reduce needed coverages to save money. In many cases, an insured cut physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage at the best price, not the least amount of coverage.

We just covered some good ideas how you can get a better price on 2016 Chevy Sonic insurance. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the best premium rates are with the least-expected company. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

Additional insurance coverage information is located at the links below

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• How to Avoid Common Accidents (State Farm)
• Distracted Driving (Insurance Information Insitute)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)