2012 Chevrolet Sonic Insurance Quotes – 10 Discounts for Best Rates

Car owners fed up with high insurance rates and are new to buying auto insurance online might discover buying the cheapest insurance can be quite difficult.

Where can I get low cost insurance coverage?

There are multiple methods to compare insurance coverage prices but one way is more efficient than others. You can spend your afternoon talking about coverages with agents in your area, or you could save time and use online quoting to get prices fast.

The majority of car insurance companies participate in an industry program where insurance shoppers complete one form, and at least one company returns a competitive quote based on the submitted data. This system prevents you from having to do quotation requests for each company you want a rate for.

To access this free quoting program, click here to start a free quote.

The single downside to pricing coverage this way is that consumers can’t choose which carriers to get quotes from. So if you want to choose specific providers to compare, we have a listing of insurance coverage companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but try to use the exact same quote information with every price quote. If the quotes have unequal deductibles or liability limits it will be next to impossible to make a fair comparison for your Chevy Sonic. Slightly different insurance coverages or limits may result in a large different in cost. And when quoting insurance coverage, remember that comparing all the rates in your area helps increase your odds of locating a better price. Not every company allows you to get online price quotes, so you also need to get quotes from those companies as well.

Insurance coverage ads are enticing

Well-known insurance coverage companies like State Farm, Geico and Progressive constantly bombard you with ads on television and other media. All the ads seem to make the promise about how much you will save just by moving your coverage to them. How can each company save you money? It’s all in the numbers.

Many companies have an ideal profile for a prospective insured that earns them the highest profit. An example of a desirable insured may be a female over age 40, has never had a policy lapse, and has excellent credit. Any person that hits that “sweet spot” will probably get cheap rates and have a good chance to pay quite a bit less when switching companies.

Insureds who do not match the ideal profile will see a higher premium and this results in business not being written. The trick companies use is to say “customers who switch” not “all people who quote” save the amount stated. That’s the way companies can truthfully make those claims.

This really drives home the point why drivers should compare many company’s rates. Because without a comparison, you cannot know which insurance companies will provide you with the cheapest prices.

Cheap insurance coverage rates with discounts

Insurance coverage is neither fun to buy or cheap, but you might find some hidden discounts that can help lower your rates. Some discounts will apply when you purchase, but a few must be inquired about in order for you to get them.

• Multi-car Discount – Buying insurance for all your vehicles on one policy can reduce rates for all insured vehicles.
• Accident-Free Discounts – Insureds with no claims or accidents pay less as opposed to insureds who have frequent claims or accidents.
• Discounts for New Vehicles – Buying a new car model can save you some money because new vehicles keep occupants safer.
• Driver Safety – Taking a safe driver course could cut 5% off your bill if your company offers it.
• Onboard Data Collection – Drivers that enable driving data submission to monitor driving patterns by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may see discounts as long as they are good drivers.
• Discount for Life Insurance – Some insurance companies give better insurance coveragerates if you take out some life insurance in addition to your auto policy.
• Seat Belts Save – Forcing all vehicle occupants to fasten their seat belts could save 15% on the medical payments or PIP coverage costs.
• Student Discounts – A discount for being a good student can earn a discount of 20% or more. You can use this discount normally up to age 25.
• Government Employees – Employees or retirees of the government could provide a small rate reduction for Sonic insurance depending on your insurance coverage provider.
• Passive Restraints – Factory options such as air bags or motorized seat belts can get savings of 20% or more.

A little disclaimer on discounts, most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. So despite the fact that it appears you could get a free insurance coverage policy, company stockholders wouldn’t be very happy.

Companies and a partial list of their discounts can be read below.

• State Farm has savings for passive restraint, safe vehicle, multiple autos, good student, accident-free, good driver, and anti-theft.
• Progressive may have discounts that include continuous coverage, multi-policy, good student, online quote discount, homeowner, multi-vehicle, and online signing.
• Progressive may offer discounts for continuous coverage, good student, homeowner, multi-policy, and online quote discount.
• MetLife may include discounts for claim-free, good driver, good student, accident-free, and defensive driver.
• Farm Bureau offers discounts including good student, multi-vehicle, multi-policy, 55 and retired, renewal discount, safe driver, and youthful driver.
• Geico includes discounts for driver training, seat belt use, membership and employees, daytime running lights, emergency military deployment, multi-vehicle, and defensive driver.
• SAFECO policyholders can earn discounts including drive less, anti-theft, anti-lock brakes, teen safe driver, bundle discounts, teen safety rewards, and homeowner.

If you need low cost insurance quotes, ask each company which discounts you may be entitled to. Savings may not be offered in your area.

Tailor your insurance coverage to you

When buying the right insurance coverage, there really is not a one size fits all plan. Every situation is different.

Here are some questions about coverages that may help highlight whether you might need an agent’s assistance.

• Can I rate high risk drivers on liability-only vehicles?
• At what point should I drop full coverage?
• What is the minimum liability in my state?
• Do I need PIP (personal injury protection) coverage in my state?
• Is extra glass coverage worth it?
• Does insurance cover damages from a DUI accident?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form.

Specific coverages for a Chevy Sonic

Understanding the coverages of insurance helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive (Other than Collision) – This covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from getting keyed, hitting a deer, a broken windshield and rock chips in glass. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability auto insurance – Liability insurance will cover damage or injury you incur to other people or property. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like attorney fees, funeral expenses, pain and suffering and legal defense fees. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for expenses for rehabilitation expenses, pain medications, nursing services and EMT expenses. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2012 Chevy Sonic.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently these limits are identical to your policy’s liability coverage.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with a tree, sideswiping another vehicle, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Do the work, save more money

Insureds change insurance companies for any number of reasons including extreme rates for teen drivers, being labeled a high risk driver, delays in responding to claim requests or even lack of trust in their agent. Regardless of your reason, switching car insurance companies can be less work than you think.

When trying to cut insurance costs, it’s not a good idea to buy less coverage just to save a little money. Too many times, an accident victim reduced uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

Cheaper 2012 Chevy Sonic insurance can be purchased online and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some insurance providers may not provide online rate quotes and these regional insurance providers prefer to sell through independent agents.

To read more, feel free to browse the articles below:

• Drunk Driving Statistics (Insurance Information Insitute)
• Teen Driver Statistics (Insurance Information Insitute)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)