Cheaper 2018 Chevrolet Sonic Car Insurance Rates

Are you sick and tired of not being able to afford to insure your Chevy every month? Your situation is no different than many other consumers.

Due to the abundance of options, it’s nearly impossible to choose the most cost effective company.

Choosing the best insurance company for you is not that difficult. Essentially every vehicle owner who is required by state law to have insurance coverage stands a good chance to be able to reduce their rates. Nevertheless, consumers must understand the way companies determine prices because it can help you find the best coverage.

How to shop car insurance online

Effectively comparing car insurance prices can be a lot of work if you aren’t aware of the most efficient way to do it. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you could save time and use the web to get prices fast.

Many of the larger companies take part in a program that enables customers to send in one quote, and each participating company provides a quote based on the submitted data. This saves time by eliminating quotation requests to each individual car insurance company. To fill out one form to compare multiple rates now click here to open in new window.

The only drawback to using this type of system is buyers cannot specifically choose the companies to get pricing from. So if you want to choose specific providers to compare prices, we have assembled a list of low cost car insurance companies in your area. Click to view list.

Which method you use is up to you, but be certain you are entering identical coverage data on every quote you get. If the quotes have different liability limits it’s impossible to determine the lowest rate for your Chevy Sonic. Quoting even small variations in insurance coverages may result in a large different in cost. Keep in mind that making a lot of price comparisons gives you a better chance of getting the best price.

These discounts can lower your auto insurance rates

Insuring your fleet can be pricey, but you might find some hidden discounts that can dramatically reduce your bill. Some trigger automatically at the time you complete a quote, but occassionally some discounts must be asked about before being credited.

• Discount for Life Insurance – Select insurance companies reward you with lower prices if you buy auto and life insurance together.
• Theft Prevention System – Vehicles that have factory anti-theft systems are less likely to be stolen and earn discounts up to 10% off your insurance quote.
• Federal Employees – Simply working for the federal government can save as much as 8% for Sonic coverage with select insurance companies.
• Senior Citizens – Drivers over the age of 55 may qualify for lower premium rates for Sonic coverage.
• Onboard Data Collection – Drivers that enable companies to analyze where and when they drive by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if their driving habits are good.
• Organization Discounts – Affiliation with qualifying employment or professional organizations is a good way to get lower rates on your policy.
• Sign Early and Save – Select auto insurance companies give a discount for switching companies before your current coverage expires. You could save around 10% when you buy insurance online.
• Discounts for New Vehicles – Adding a new car to your policy is cheaper since new model year vehicles are generally safer.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire cost. Most only cut the price of certain insurance coverages like medical payments or collision. Despite the appearance that all the discounts add up to a free policy, it’s just not the way it works.

A few popular companies and a partial list of their discounts are included below.

• 21st Century may include discounts for homeowners, 55 and older, anti-lock brakes, teen driver, student driver, defensive driver, and early bird.
• Progressive offers discounts for continuous coverage, homeowner, online signing, good student, online quote discount, and multi-policy.
• State Farm discounts include multiple policy, good student, accident-free, passive restraint, and safe vehicle.
• Nationwide has discounts for anti-theft, family plan, defensive driving, multi-policy, accident-free, good student, and business or organization.
• Esurance has savings for online quote, online shopper, safety device, defensive driver, good driver, Switch & Save, and claim free.
• The Hartford offers premium reductions for good student, driver training, vehicle fuel type, bundle, anti-theft, and air bag.

Double check with each company which discounts you may be entitled to. Some of the discounts discussed earlier may not be offered everywhere. If you would like to see a list of auto insurance companies that have a full spectrum of discounts, click this link.

Different people need different auto insurance coverages

When it comes to buying coverage for your personal vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions could help you determine if your situation will benefit from professional help.

• Is my trailer covered?
• Will my insurance pay for OEM parts?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Are my friends covered when driving my car?
• Should I drop comprehensive coverage on older vehicles?
• Should I rate my 2018 Chevy Sonic as pleasure use or commute?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverage information

Having a good grasp of your policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverages available from car insurance companies.

Liability coverages

Liability insurance can cover damage that occurs to other people or property that is your fault. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things such as repair costs for stationary objects, attorney fees, structural damage, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your 2018 Chevy Sonic.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as backing into a parked car, crashing into a ditch, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, fire damage, rock chips in glass, damage from flooding and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like ambulance fees, funeral costs, pain medications and prosthetic devices. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage