View 2017 Chevrolet Sonic Insurance Rates

Looking for lower car insurance rates for your Chevrolet Sonic? Did a good deal turn into overpriced car insurance? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their car insurance policy. Insurance companies such as State Farm, Geico and Farmers Insurance all promote huge savings with advertising and it is difficult to see past the geckos and flying pigs and find the best price available.

Low cost auto insurance prices

Lowering your 2017 Chevy Sonic auto insurance rates is pretty simple and can save money. Drivers just need to invest a few minutes to compare free auto insurance quotes to find. Price comparisons can be done in several different ways.

One of the simplest ways consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This style of form saves time by eliminating a different quote to each individual auto insurance company. Taking the time to complete one form gets insurance cost estimates direct from many companies.

A less efficient way to find more affordable insurance requires you to visit the website of each company to request a price quote. For sake of this example, let’s say you want to get rates from Progressive, Allstate and American Family. In order to compare rates, you need to spend time going to each site individually and repeatedly type in your coverage information, which explains why we recommend starting with the first method. For a handy list of car insurance company links in your area, click here.

The least efficient method of getting rate comparisons is going to local insurance agencies. Doing it all online eliminates the middleman unless you prefer the trained advice of an agent trained in personal lines coverage. It is possible with some companies find lower rates online but buy from a local insurance agent.

You can use whichever method you prefer to find lower rates, just be sure you’re using apples-to-apples coverages for every company. If you compare differing limits it’s not possible to truly determine the lowest rate.

Your car insurance coverage should be tailored to you

When choosing the right insurance coverage, there is no single plan that fits everyone. Every situation is different so your insurance needs to address that. Here are some questions about coverages that could help you determine if your insurance needs will benefit from professional help.

• Should I put collision coverage on all my vehicles?
• How much underlying liability do I need for an umbrella policy?
• Is my custom paint covered by insurance?
• Should I bundle my homeowners policy with my auto?
• How can I get high-risk coverage after a DUI?
• I don’t drive much so do I pay less?
• When can I cancel my policy?
• Why do I need rental car insurance?
• Does my policy pay for OEM or aftermarket parts?
• Are there companies who specialize in insuring high-risk drivers?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverages 101

Knowing the specifics of a insurance policy aids in choosing the right coverages for your vehicles. Insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages available from insurance companies.

UM/UIM Coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for collisions

This coverage pays for damage to your Sonic from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a building, hitting a mailbox, damaging your car on a curb, rolling your car and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to bring the cost down.

Coverage for liability

Liability coverage will cover damage that occurs to other people or property in an accident. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for things like emergency aid, loss of income, medical expenses, court costs and medical services. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, a tree branch falling on your vehicle, theft and hail damage. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for expenses like doctor visits, prosthetic devices, nursing services, pain medications and hospital visits. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. They cover you and your occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay