Save on 2015 Chevrolet Sonic Insurance Rates

Buyers have a choice when searching for the lowest priced Chevy Sonic insurance. They can either spend hours contacting agents getting price quotes or use the internet to make rate comparisons. There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the quickest way to get price quotes for a new or used Chevy and find the lowest price.

Consumers should take time to compare rates at least once a year because rates are usually higher with each renewal. Even if you think you had the best price for Sonic insurance two years ago you can probably find a better price now. Don’t believe everything you read about car insurance online, so I’m going to show you a bunch of ideas how to slash your car insurance rates.

Do you qualify for discounts?

Companies don’t necessarily list every available discount in a way that’s easy to find, so we researched both well-publicized as well as the least known car insurance savings. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Federal Government Employee – Active or retired federal employment can save as much as 8% for Sonic insurance with select insurance companies.
  • Claim Free – Drivers who don’t have accidents can save substantially compared to frequent claim filers.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same car insurance policy qualifies for this discount.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Early Switch Discount – Some companies give discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Life Insurance – Companies who offer life insurance give a break if you buy life insurance.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Sonic insurance than less cautious drivers.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.

It’s important to note that some of the credits will not apply the the whole policy. Some only reduce individual premiums such as collision or personal injury protection. So when it seems like you could get a free car insurance policy, companies don’t profit that way.

A partial list of companies that may offer some of the above discounts are:

It’s a good idea to ask each insurance company how you can save money. Savings may not be available in your state.

Compare Quotes for Insurance Coverage

Lowering your 2015 Chevy Sonic insurance coverage rates can be relatively painless. Just spend a few minutes to compare quotes online with multiple companies. This can be accomplished using a couple different methods.

  1. One of the simplest ways consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This type of form keeps you from doing separate quotation requests for each company you want a rate for. Taking the time to complete one form gets rate comparisons from all major companies. It’s definitely the quickest method.
  2. Another way to analyze rates requires a trip to the website for every company you want to comare and complete a new quote form. For examples sake, we’ll pretend you want to compare rates from State Farm, Geico and Farmers. To get each rate you have to visit each site and enter your policy data, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

  3. The most time-consuming way of comparing rate quotes is to spend your day driving to local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you prefer the professional advice of a local agent. However, consumers can price shop your coverage online and still use a local agent.

However you get your quotes, make sure you use apples-to-apples coverage limits and deductibles for every company. If you have unequal deductibles or liability limits you will not be able to find the best deal for your Chevy Sonic.

Pieces of the Chevy Sonic insurance rate puzzle

It’s important that you understand the rating factors that come into play when calculating the price you pay for insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that may reward you with big savings.

The list below includes a partial list of the pieces companies use to determine rates.

  • Your credit rating is important – Your credit score is a big factor in determining your rates. If your credit score is lower than you’d like, you could potentially save money when insuring your 2015 Chevrolet Sonic by improving your rating. People with good credit tend to be more responsible as compared to drivers with poor credit.
  • Theft deterrents lower rates – Driving a car with anti-theft technology or alarm system can help lower your rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • Women pay lower rates – Statistics have proven that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. They both have accidents at about the same rate, but the male of the species tend to have more serious accidents. Men also tend to have more aggressive citations such as reckless driving.
  • Rates may be lower depending on your job – Careers like judges, social workers and stock brokers tend to have the highest rates because of high stress and long work hours. On the other hand, professions such as pilots, students and retirees receive lower rates for Sonic insurance.
  • Liability coverage protects you – Your policy’s liability coverage will protect you if a jury decides you are liable for causing damage or personal injury in an accident. It will provide for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.

Don’t assume everyone needs the same coverage

When buying proper insurance coverage, there really is not a one size fits all plan. Each situation is unique.

Here are some questions about coverages that might help in determining whether or not you would benefit from professional advice.

  • Is my 2015 Chevy Sonic covered for smoke damage?
  • Which companies will insure high-risk drivers?
  • Should I buy full coverage?
  • Is my teenager covered with friends in the car?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is business equipment covered while in my vehicle?
  • What is the difference between comprehensive and collision coverage?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and can provide invaluable advice.

Specific coverage details

Learning about specific coverages of your car insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2015 Chevy Sonic.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for bills for dental work, hospital visits, prosthetic devices and funeral costs. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision coverages – Collision coverage will pay to fix damage to your Sonic resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as backing into a parked car, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Liability auto insurance – Liability coverage can cover damage that occurs to other’s property or people. This insurance protects YOU against other people’s claims. Liability 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. Your policy might show policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like legal defense fees, emergency aid, loss of income, court costs and medical services. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Comprehensive coverage – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from getting keyed and falling objects. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Buy online or local, you save

We just covered a lot of tips how to shop for 2015 Chevy Sonic insurance online. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding lower rates. Drivers may discover the lowest priced car insurance comes from a smaller regional carrier.

Consumers leave their current company for any number of reasons including extreme rates for teen drivers, high rates after DUI convictions, questionable increases in premium or lack of trust in their agent. Regardless of your reason for switching companies, choosing a new company can be easier than you think.

Cheaper insurance can be purchased online and also from your neighborhood agents, so you should compare both to have the best rate selection. Some insurance providers may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

Additional detailed information can be read at these sites: