2014 Chevrolet Sonic Insurance Rates

Feel like you’re a prisoner to an overpriced insurance coverage policy? Trust us when we tell you there are many people just like you. Insurance companies such as Allstate, Liberty Mutual and State Farm persitently shower you with advertising and it can be hard to sift through the bull and effectively compare rates to find the best deal.

You should take the time to take a look at other company’s rates at least once a year since insurance rates fluctuate regularly. Even if you got the best deal for Sonic insurance last year you may be paying too much now. Forget all the misinformation about insurance coverage because we’re going to demonstrate how to use online quotes to lower your rates without sacrificing coverage.

Insurance Coverage Quote Comparison

Effectively comparing insurance coverage prices can be a daunting task if you aren’t aware of the most efficient way to do it. You can spend countless hours discussing policy coverages with insurance agencies in your area, or you can utilize the web to get pricing more quickly.

Many insurance companies are enrolled in a marketplace where insurance shoppers send in one quote, and each company can provide price quotes based on that information. This prevents consumers from doing repetitive form submissions for every insurance coverage company.

To submit your quote information now, click here to start a free quote.

The only downside to getting quotes like this is buyers cannot specifically choose which providers you want pricing from. So if you prefer to choose specific providers to compare rates, we have a listing of companies who write insurance coverage in your area. Click to view list.

However you get your quotes, make sure you use identical coverage limits on every quote you get. If your comparisons have different liability limits it will be impossible to truly determine the lowest rate.

Take advantage of discounts

Insurance can be prohibitively expensive, but there are discounts available to help offset the cost. Some discounts apply automatically at the time of purchase, but lesser-known reductions have to be inquired about in order for you to get them. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Seat Belts Save – Drivers who require all occupants to use a seat belt could save 15% off your PIP or medical payments premium.
  • Driver’s Ed – Require your teen driver to complete a driver education course in high school.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts may earn rate discounts up to 30%.
  • Employee of Federal Government – Employees or retirees of the government may qualify you for a discount for Sonic insurance with select insurance companies.
  • College Student – Children living away from home attending college and do not have a car may be able to be covered for less.
  • Bundle and Save – When you combine your home and auto insurance with one company you may earn 10% to 20% off each policy.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for Sonic insurance than their less cautious counterparts.
  • Senior Discount – Mature drivers may be able to get a discount up to 10% for Sonic insurance.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.

It’s important to note that many deductions do not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, companies don’t profit that way. But all discounts will reduce your overall premium however.

Companies who might offer these money-saving discounts include:

It’s a good idea to ask every prospective company which discounts you may be entitled to. All car insurance discounts might not be offered in your area.

Chevy Sonic rates are in the details

It’s important that you understand the different types of things that play a part in calculating the price you pay for insurance coverage. Knowing what impacts premium levels allows you to make educated decisions that may reward you with better insurance coverage rates.

  • Rates may be lower depending on your job – Jobs such as judges, business owners and stock brokers have the highest rates due to job stress and long work days. On the other hand, occupations like farmers, students and retirees get better rates for Sonic insurance.
  • Never let your coverage lapse – Allowing your insurance coverage policy to lapse is a guaranteed way to increase your insurance coverage rates. And not only will insurance be more expensive, getting caught without coverage might get you a hefty fine and possibly a revoked license.Then you may be required to file a SR-22 with your state department of motor vehicles.
  • Extra add-on coverages are wasting money – There are many extra coverages that you can get tricked into buying if you aren’t careful. Insurance for personal injury protection, accidental death and membership fees may be wasting your money. They may seem good initially, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Your location is important – Being located in a rural area is a positive aspect when it comes to insurance coverage. Drivers who live in large cities tend to have more traffic problems and a longer drive to work. Fewer drivers means a lower chance of having an accident.
  • Women pay lower rates – The statistics show that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. They both have accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations such as DWI and reckless driving.
  • Low deductibles can be expensive – Your deductibles represent how much money you are required to spend if you file a covered claim. Insurance for physical damage to your car, also known as collision and other-than-collision, covers damage that occurs to your car. Some examples of claims that would be covered are colliding with a building, damage caused by hail, and windstorm damage. The more expense the insured has to pay upfront, the lower your rates will be for Sonic insurance.
  • Tickets mean higher rates – Good drivers receive lower rates than people who have multiple driving citations. Even one speeding ticket can increase rates by as much as thirty percent. If you have severe violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.

How to know if you need help

When choosing the best insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. For example, these questions might help in determining whether or not you may require specific advice.

  • Does my insurance cover my expensive audio equipment?
  • Why do I only qualify for high-risk insurance?
  • What is no-fault insurance?
  • Am I covered when using my vehicle for business?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered if I wreck a rental car?
  • Which companies will insure high-risk drivers?
  • Who is covered when they drive my 2014 Chevy Sonic?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It is quick, free and can help protect your family.

Car insurance coverages and their meanings

Knowing the specifics of car insurance aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. These are typical coverages found on the average car insurance policy.

Auto collision coverage

This covers damage to your Sonic resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a ditch, hitting a mailbox, colliding with a tree, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for bills for hospital visits, funeral costs and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like vandalism, hitting a bird, hitting a deer, damage from a tornado or hurricane and hail damage. The maximum amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability coverage protects you from damages or injuries you inflict on a person or their property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as medical expenses, emergency aid, funeral expenses, medical services and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Better coverage you can count on

We just presented quite a bit of information on how to save on 2014 Chevy Sonic insurance. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. You may be surprised to find that the biggest savings come from some of the smallest insurance companies. These companies may only write in your state and offer lower rates than the large multi-state companies such as Progressive or Geico.

While you’re price shopping online, don’t be tempted to buy less coverage just to save a little money. Too many times, an insured dropped liability coverage limits and learned later that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible for the lowest price.

More detailed insurance information can be found in the articles below: