2017 Chevrolet Sonic Car Insurance Cost – 5 Ideas for Best Prices

Want better insurance rates for your Chevrolet Sonic? Pricey Chevrolet Sonic insurance can deplete your savings account and possibly require postponing other expenditures.

There are many insurers to choose from, and even though it’s nice to have a selection, it makes it harder to compare rates and find the lowest cost insurance.

It’s important to do rate comparisons at least once a year because insurance rates go up and down regularly. Even if you think you had the best deal on Sonic insurance a few years ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the quickest way to find great coverage at a great price.

Locating the best protection can be fairly easy. Essentially everyone who carries insurance coverage should be able to lower their premiums. Nevertheless, car owners must know the methods companies use to determine prices because it can help you find the best coverage.

First Step: Get free auto insurance quotes

Effectively comparing auto insurance prices can be exhausting if you don’t utilize the easiest way. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Most of the larger companies belong to a marketplace where insurance shoppers only type in their quote data once, and every company returns a rated price based on the submitted data. This prevents consumers from doing quote forms to each individual auto insurance company.

To find out what other companies charge click here to start a free quote.

The only drawback to using this type of system is that consumers can’t choose which providers to get quotes from. So if you prefer to pick individual companies to compare rates, we have a listing of low cost auto insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but make darn sure you compare exactly the same deductibles and coverage limits for every company. If you are comparing differing limits it will be nearly impossible to determine the best price for your Chevy Sonic. Just a small difference in insurance coverages or limits could skew the results. And when comparing auto insurance rates, know that comparing more rates from different companies will increase your chances of finding lower pricing.

Verify you’re getting every discount

Auto insurance companies don’t list all possible discounts in a way that’s easy to find, so we researched a few of the more common and the harder-to-find discounts that may be available.

• Military Deployment Discount – Being deployed with a military unit may qualify for rate reductions.
• Multi-policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you could earn a discount of up to 20% off your total premium.
• Paper-free Discount – A few larger online companies provide a small discount for buying your policy online.
• Save over 55 – If you qualify as a senior citizen, you may be able to get a discount up to 10% on Sonic insurance.
• Distant Student Discount – Any of your kids who live away from home at college and don’t have a car may qualify for this discount.

A little disclaimer on discounts, most discount credits are not given the the whole policy. A few only apply to individual premiums such as comp or med pay. So even though it sounds like you can get free auto insurance, insurance companies wouldn’t stay in business.

To choose insurance companies offering insurance discounts, follow this link.

When should I discuss my situation with an agent?

When it comes to buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions may help you determine if you might need professional guidance.

• Do I need PIP (personal injury protection) coverage in my state?
• What should my uninsured motorist coverage limits be in my state?
• Am I covered if I crash into my own garage door?
• Should I have combined single limit or split liability limits?
• At what point should I drop full coverage?
• What can I do if my company denied a claim?
• What if I total my 2017 Chevy Sonic and owe more than it’s worth?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Information about specific coverages

Understanding the coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverage types available from insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently these limits are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from flooding, fire damage and falling objects. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision insurance

Collision coverage pays for damage to your Sonic from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a parking meter, crashing into a building, sideswiping another vehicle, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Liability

Liability insurance provides protection from injuries or damage you cause to other’s property or people by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like loss of income, funeral expenses and court costs. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for expenses like chiropractic care, doctor visits, funeral costs, rehabilitation expenses and prosthetic devices. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Shop. Compare. Save.

When shopping online for insurance, do not skimp on critical coverages to save a buck or two. There are many occasions where someone dropped physical damage coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy enough coverage at the best possible price and still be able to protect your assets.

We just presented a lot of tips how to save on 2017 Chevy Sonic insurance. The key concept to understand is the more providers you compare, the higher the chance of saving money. Consumers could even find that the most savings is with an unexpected company. Some small companies may cover specific market segments cheaper than their larger competitors like State Farm, Geico and Nationwide.

More information is located on the following sites:

• Prepare your Teens for Safe Driving (InsureUonline.org)
• Auto Crash Statistics (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)