2015 Chevrolet Sonic Insurance Quotes

Trying to find cheaper car insurance rates for your Chevrolet Sonic? I doubt anyone loves paying for car insurance, in particular when their premiums are too high. Multiple car insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurance companies to discover the definitive lowest rate

It’s a good idea to get comparison quotes every six months since rates go up and down regularly. Even if you think you had the lowest rate for Sonic coverage a year ago a different company probably has better prices today. Block out anything you think you know about car insurance because we’re going to show you one of the best ways to save money, get proper coverage and the best rates.

If you have insurance now or are just looking to switch companies, you can learn to get lower rates while maximizing coverage. Choosing the best insurance company for you is quite easy. Consumers just need to know the most effective way to shop their coverage around online.

Lower rate quotes with these discounts

Some providers do not advertise all disounts in an easy-to-find place, so the list below details both well-publicized and also the more inconspicuous credits available to bring down your rates.

• Theft Deterent System – Vehicles that have factory alarm systems and tracking devices help deter theft and can earn a small discount on your policy.
• Military Deployment Discount – Having an actively deployed family member may lower your rates slightly.
• Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less for Sonic coverage than drivers with accidents.
• Multi-car Discount – Purchasing coverage when you have multiple cars on one policy qualifies for this discount.
• Telematics Data – Drivers who elect to allow driving data submission to scrutinize when and where they use their vehicle by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they have good driving habits.
• Federal Government Employee – Being employed by or retired from a federal job could provide a small rate reduction for Sonic coverage but check with your company.
• Distant Student Discount – Youth drivers who live away from home to go to college and do not take a car to college may be insured at a cheaper rate.
• Driver Education Discount – It’s a good idea to have your young drivers enroll and complete driver’s education in high school.
• New Car Discount – Buying a new car instead of a used car can get you a discount compared to insuring an older model.

Don’t be shocked that most credits do not apply to the overall cost of the policy. Some only reduce specific coverage prices like comp or med pay. Even though it appears all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Some of the insurance companies that may include these benefits are:

• Farmers Insurance
• Esurance
• State Farm
• Geico
• Allstate

If you need lower rates, check with every insurance company which discounts can lower your rates. Depending on the company, some discounts may not apply to policyholders in every state. If you would like to see a list of insurance companies that offer the discounts shown above, click here.

Compare quotes for car insurance

There are a lot of ways to shop for car insurance, but some are more efficient than others. You can waste a lot of time discussing policy coverages with agents in your area, or you can utilize the internet to maximize your effort.

Many popular insurance companies are enrolled in a marketplace that allows shoppers to submit one quote, and each participating company returns a competitive quote based on that data. This prevents consumers from doing repetitive form submissions for each company.

To enter your information into the quoting system, click to open in new window.

The one downside to pricing coverage this way is you cannot specify which insurance companies you will receive quotes from. So if you want to select from a list of companies to compare, we have a listing of companies who write car insurance in your area. View list of insurance companies.

It’s up to you which method you use, but make sure you use the same quote data for each quote you get. If you have mixed coverages you will not be able to get a fair rate comparison.

Learn how to lower your insurance rates

Many factors are part of the calculation when you get a price on insurance. Most are fairly basic like an MVR report, although others are not quite as obvious like your continuous coverage or your financial responsibility.

• High physical damage deductibles cost less – Comprehensive and collision coverage deductibles tell how much you are required to spend if you file a covered claim. Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of covered claims are collision with another vehicle, damage from fire, and having a roll-over accident. The more expense the insured has to pay upfront, the less your insurance will be for Sonic coverage.
• Having a spouse equates to better costs – Your spouse may save some money on your insurance bill. Marriage may mean you are more mature than a single person it has been statistically shown that married drivers get in fewer accidents.
• Tickets are costly – Being a careful driver influences premium rates substantially. Even one chargable violation can bump up the cost by as much as thirty percent. Attentive drivers pay lower auto insurance prices as compared to careless drivers. Drivers who have gotten dangerous citations like DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to prevent their license from being revoked.
• Poor credit decisions can cost you – Having a bad credit history is likely to be a major factor in determining your rates. If your credit rating could use some work, you could be paying less to insure your 2015 Chevrolet Sonic by spending a little time repairing your credit. People that have excellent credit tend to be better risks to insure than drivers with poor credit scores.
• Reserve insurance claims for larger damages – Companies give better rates to people who are not frequent claim filers. If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Your car insurance is meant to be used in the event of more catestrophic claims.

Insurance can be complex

When it comes to choosing the best insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions can help discover whether your personal situation would benefit from an agent’s advice.

• Who is covered by my policy?
• When should I remove comp and collision on my 2015 Chevy Sonic?
• What is covered by UM/UIM coverage?
• Why does it cost so much to insure a teen driver?
• Do I pay less if my vehicle is kept in my garage?
• I have health insurance so do I need medical payments coverage?
• What can I do if my company won’t pay a claim?
• Can my babysitter drive my car?
• Does coverage extend to my business vehicle?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and can help protect your family.

Save 15 percent in 15 minutes? Is it for real?

Consumers get pounded daily by advertisements that promise big savings by companies like 21st Century, Allstate and State Farm. All the companies advertise claims about how much you will save if you get a free insurance quote and switch your policy.

How can each company say the same thing? This is the trick they use.

Many companies have underwriting criteria for the type of insured that will not have excessive claims. A good example of this type of insured should be between the ages of 30 and 45, owns a home, and drives newer vehicles. A customer that matches those criteria will probably get the lowest auto insurance rates and will also save if they switch.

Potential customers who are not a match for these standards will get a higher premium which leads to the customer not buying. The trick is to say “drivers that switch” not “everyone who quotes” save money. That’s why insurance companies can confidently make the claims of big savings. Because each company has a different risk profile, you need to compare rate quotes every year. You cannot predict with any certainty which company will have better prices than you’re paying now.

The coverage is in the details

Learning about specific coverages of auto insurance can help you determine the right coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages found on most auto insurance policies.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay 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. So UM/UIM coverage is very important.

Collision protection

Collision insurance pays for damage to your Sonic resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with a tree, sustaining damage from a pot hole, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses for surgery, doctor visits, pain medications, prosthetic devices and hospital visits. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive auto insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, vandalism, a tree branch falling on your vehicle and rock chips in glass. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability insurance protects you from damage that occurs to a person or their property. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as legal defense fees, structural damage, repair costs for stationary objects, loss of income and emergency aid. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Compare but don’t skimp

We’ve covered many ways to reduce 2015 Chevy Sonic insurance premium rates online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even find the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising. Some small companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

When you buy insurance online, don’t be tempted to buy poor coverage just to save money. There have been many situations where consumers will sacrifice collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase plenty of coverage for the lowest cost but still have enough coverage for asset protection.

Additional information is located below:

• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Rollover Crash FAQ (iihs.org)
• Help Your Teen Be a Better Driver (State Farm)