Lower Your 2013 Chevrolet Sonic Insurance Rates

Paying for high-priced Chevrolet Sonic insurance can empty your checking account and force you to prioritize other expenses. Comparing price quotes is free, only takes a few minutes, and is a good way to tighten up your finances.

Numerous auto insurance companies battle for your business, and it can be difficult to compare rates to find the absolute lowest rate possible.

Don’t miss these discounts

Companies that sell car insurance don’t always publicize all their discounts very well, so we break down some of the more common and also the lesser-known discounts you could be receiving.

  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Early Switch Discount – Some insurance companies reward drivers for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Homeowners Savings – Owning a house may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Federal Employees – Active or retired federal employment can save as much as 8% for Sonic insurance with select insurance companies.
  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. The majority will only reduce specific coverage prices like comp or med pay. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way.

To see a list of providers who offer insurance coverage discounts, click here.

Comprehensive Insurance Comparison Quotes

There are several ways of comparing rates from insurance companies in your area. The quickest method to find competitive 2013 Chevy Sonic insurance rates is to perform an online rate comparison. This is very easy and can be done in just a few minutes using one of these methods.

  1. The recommended way to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This form eliminates the need for multiple quote forms for every insurance company. One form submission will return quotes from several companies.
  2. A different way to compare rate quotes is spending the time to visit each company’s website to request a price quote. For sake of this example, we’ll assume you want to compare rates from Progressive, 21st Century and American Family. To find out each rate you need to take the time to go to each site and enter your information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

It’s your choice how you get your quotes, but make darn sure you compare identical coverages and limits for each price quote. If each company quotes different deductibles then you won’t be able to determine which rate is truly the best. Quoting even small variations in coverages can make a big difference in price. And when comparing insurance rates, know that quoting more gives you a better chance of getting a better price.

When might I need help?

When it comes to choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions may help you determine whether you will benefit from professional help.

  • Do all my vehicles need collision coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Is there coverage for injuries to my pets?
  • What if I total my 2013 Chevy Sonic and owe more than it’s worth?
  • Does medical payments coverage apply to all occupants?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Can my babysitter drive my car?
  • What if I don’t agree with a claim settlement offer?
  • Does coverage extend to my business vehicle?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Car insurance coverages explained

Learning about specific coverages of car insurance can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on most car insurance policies.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with a tree, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage

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

Comprehensive coverage protects against things such as hitting a deer, damage from a tornado or hurricane, damage from flooding, theft and a tree branch falling on your vehicle. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance

Liability insurance can cover damage that occurs to other’s property or people by causing an accident. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers things like medical services, structural damage, medical expenses and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses such as ambulance fees, prosthetic devices, X-ray expenses, nursing services and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Save for a rainy day

We just showed you some good ideas how you can shop for 2013 Chevy Sonic insurance online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may even discover the best price on car insurance is with an unexpected company. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like State Farm or Progressive.

Budget-conscious insurance can be bought from both online companies and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

Much more information about car insurance can be found below: