2017 Chevrolet Sonic Insurance Cost

Have you finally had enough of scraping nickels together to buy insurance coverage? You have the same problem as many other drivers.

Many insurers compete for your insurance dollar, so it can be very hard to choose a provider to get the best rates possible.

It’s a great practice to compare rates as often as possible because prices are adjusted regularly by insurance companies. Just because you had the best quotes on Sonic insurance a few years ago you may be paying too much now. Block out anything you think you know about insurance coverage because we’re going to show you the fastest way to save on insurance coverage.

How to get auto insurance quotes

Effectively comparing auto insurance prices can be exhausting if you don’t understand the most efficient way to do it. You could spend your day driving to insurance agencies in your area, or you can utilize the internet to quickly compare rates.

Many insurance companies participate in a marketplace that allows shoppers to complete one form, and every company returns a rated price. This system prevents you from having to do quote forms to each company.

To find out how much you can save on auto insurance click to open in new window.

The one disadvantage to getting quotes like this is that consumers can’t choose which companies you will receive quotes from. So if you prefer to pick specific insurance companies to request quotes from, we put together a list of companies who write auto insurance in your area. View list of insurance companies.

Whichever method you choose, be sure you’re using nearly identical coverages and limits for every company. If you are comparing different values for each quote you will not be able to make a fair comparison for your Chevy Sonic. Just slight variations in coverage limits can mean a large discrepancy in price. It’s important to know that getting more free quotes helps you find a lower rate than you’re paying now. Not every company allows you to get price estimates online, so you also need to get prices from the smaller companies as well.

You can change your insurance premiums

One of the most helpful ways to save on insurance is to to have a grasp of the different types of things that come into play when calculating your premiums. When you know what positively or negatively determines premiums, this enables you to make decisions that could result in better insurance rates. Multiple criteria are taken into consideration when premium rates are determined. Some factors are common sense such as your driving history, but other criteria are more obscure like your continuous coverage or how safe your car is.

  • How credit score affects insurance rates – Credit score factor in your rate calculation. Insureds that have excellent credit scores tend to be more responsible and file fewer claims as compared to drivers with lower credit ratings. If your credit can use some improvement, you may save money insuring your 2017 Chevrolet Sonic if you clean up your credit.
  • Where you live factors in – Having an address in a rural area can save you money when it comes to insurance. Lower population translates into fewer accidents as well as less vandalism and auto theft. City drivers tend to have traffic congestion and longer commutes to work. Higher commute times means a statistically higher chance of an accident.
  • Bundle home and auto and save – Most larger companies give lower prices for people that buy multiple policies such as combining an auto and homeowners policy. Discounts can add up to ten percent or more. Even if you’re getting this discount it’s always a smart idea to compare other insurance prices to help ensure you have the lowest rates.
  • Stay claim-free and lower premiums – Companies provide the best rates to policyholders that do not abuse their auto insurance. If you file claims often, you can expect either a policy non-renewal or much higher rates. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Youthful drivers cost more – More mature drivers are shown to be more cautious, cost insurance companies less in claims and are safer drivers.Young drivers are known to be less responsible when driving with friends and because of this, their insurance rates are much higher.
  • Cut prices and deter theft – Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Systems that thwart theives like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent auto theft and help lower rates.
  • Buy as much liability coverage as you can afford – Your insurance policy’s liability coverage kicks in if ever you are responsible for damages caused by your negligence. Your policy’s liability insurance provides you with a defense in court which can cost thousands of dollars. It is affordable coverage compared to insuring for physical damage coverage, so do not skimp.

Do you qualify for discount car insurance?

Some insurers don’t always advertise every disount available very clearly, so we break down both the well known and also the lesser-known discounts that you may qualify for. If you do not double check each discount you deserve, you could be getting lower rates.

  • Seat Belts Save – Using a seat belt and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you could save approximately 10% to 15%.
  • Discounts for Cautious Drivers – Insureds who avoid accidents can save as much as half off their rates on Sonic insurance as compared to drivers with claims.
  • Multi-car Discount – Drivers who insure more than one vehicle on a single policy can get a discount on all vehicles.
  • Braking Control Discount – Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions and the ABS can save up to 10%.
  • Early Signing – A few companies allow discounts for switching policies early. You may see this discount when you get car insurance quotes online.
  • Telematics Discount – Policyholders that allow their car insurance company to analyze driving manner through the use of a telematics system such as State Farm’s In-Drive could see a rate decrease as long as they are good drivers.
  • Pay Upfront and Save – If you can afford to pay the entire bill rather than paying monthly you can actually save on your bill.
  • Anti-theft System – Cars equipped with anti-theft or alarm systems have a lower chance of being stolen and earn discounts up to 10% off your car insurance quote.

You can save money using discounts, but most credits do not apply to the entire policy premium. A few only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, it’s just not the way it works.

A few of the larger companies and some of their more popular discounts can be read below.

  • American Family may have discounts that include good student, good driver, defensive driver, early bird, Steer into Savings, and air bags.
  • State Farm may offer discounts for safe vehicle, student away at school, good student, anti-theft, Steer Clear safe driver discount, and passive restraint.
  • 21st Century offers discounts for automatic seat belts, air bags, driver training, teen driver, student driver, theft prevention, and homeowners.
  • Travelers may include discounts for driver training, hybrid/electric vehicle, student away at school, continuous insurance, good student, multi-car, and new car.
  • Geico includes discounts for federal employee, emergency military deployment, daytime running lights, anti-theft, five-year accident-free, and anti-lock brakes.

Before buying, ask all the companies to give you their best rates. Savings may not be available in your state. For a list of insurance companies that offer multiple discounts, click this link.

What insurance coverages do I need?

When it comes to buying proper insurance coverage for your vehicles, there really is no “perfect” insurance plan. Each situation is unique and your policy should reflect that. These are some specific questions may help highlight whether you would benefit from an agent’s advice.

  • Am I covered if I hit a deer?
  • Can I afford to buy a different vehicle if my 2017 Chevy Sonic is totaled?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does having multiple vehicles earn me a discount?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I insured when driving a different vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Can I rate high risk drivers on liability-only vehicles?

If you can’t answer these questions, 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.

Insurance coverages explained

Knowing the specifics of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.

Auto liability – This coverage can cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims like funeral expenses, attorney fees, medical expenses, medical services and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as nursing services, dental work and pain medications. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage – Collision insurance will pay to fix damage to your Sonic resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, rolling your car, colliding with another moving vehicle, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive protection – This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from flooding, fire damage and falling objects. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Chevy Sonic.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are similar to your liability insurance amounts.

Shop smart and save

When you buy car insurance online, make sure you don’t skimp on coverage in order to save money. There are many occasions where someone dropped full coverage only to discover later that the few dollars in savings costed them thousands. Your goal is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Some insurance companies may not offer internet price quotes and usually these small, regional companies only sell through independent agents. Discount 2017 Chevy Sonic insurance is available both online as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money.

Much more information about insurance is located on the following sites: