2018 Chevrolet Sonic Insurance Quotes

Finding low-cost insurance for a new or used Chevy Sonic can be a lot of work, but you can follow these tips to make it easier.

There is a right way and a wrong way to compare auto insurance rates and we’ll show you the absolute fastest way to compare rates for a Chevy and locate the lowest price.

Locating more affordable insurance coverage is easy if you know what you’re doing. If you have a policy now or are just looking to switch companies, you can use these techniques to get lower rates and possibly find even better coverage. Drivers just need to understand the proper methods to buy insurance coverage online.

Compare free auto insurance rate quotes

Shopping for lower auto insurance rates can be challenging if you don’t understand the most efficient way. You could waste a few hours talking to agents in your area, or you could use online quotes to get rates in a matter of minutes.

Many of the larger companies are enrolled in a marketplace where insurance shoppers send in one quote, and at least one company then gives them pricing determined by their information. This saves time by eliminating quote requests for each company.

To compare pricing click here to start a free quote.

The single downside to pricing coverage this way is you don’t know exactly which carriers to get pricing from. So if you prefer to choose specific providers to compare rates, we put together a list of auto insurance companies in your area. Click here to view list.

Whichever way you use, do your best to enter apples-to-apples deductibles and coverage limits on every price quote you get. If each company quotes different limits and deductibles on each one you will not be able to decipher which rate is best.

Lower your insurance coverage rates with discounts

Not too many consumers would say insurance coverage is affordable, but you might already qualify for some discounts that many consumers don’t even know exist. Certain discounts will be applied at the time of quoting, but some may not be applied and must be inquired about in order for you to get them.

Pay Now and Pay Less – If you can afford to pay the entire bill as opposed to paying monthly you may have a lower total premium amount.
Good Grades Discount – Being a good student can earn a discount of 20% or more. Many companies even apply the discount to college students up until you turn 25.
Air Bags and Passive Restraints – Factory air bags can receive discounts of 20 to 30 percent.
Military Deployment Discount – Being on active duty in the military may lower your insurance coverage rates slightly.
Discount for New Cars – Buying a new car instead of a used car can save you some money because newer models are generally safer.
Student Driver Training – Require your teen driver to sucessfully take a drivers education course if offered at their school.
Paper-free Discount – A few larger online companies give back up to $50 for completing your application on your computer.
Anti-lock Brake Discount – Cars and trucks that have anti-lock braking systems can reduce accidents and will save you 10% or more.
Waiver for an Accident – This isn’t a discount exactly, but companies like Geico and Allstate will let one accident slide without getting socked with a rate hike with the catch being you have to be claim-free for a certain period of time.
Homeowners Savings – Owning a house may earn you a small savings because of the fact that having a home demonstrates responsibility.

A little disclaimer on discounts, most discounts do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, it’s just not the way it works. But all discounts will bring down your overall premium however.

Some of the larger companies that may offer many of the previously listed discounts may include but are not limited to:

If you need lower rates, check with each company or agent how many discounts you can get. Savings might not apply in your area. To find insurance companies offering insurance coverage discounts, click this link.

You are unique and your auto insurance should be too

When choosing proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Each situation is unique.

For example, these questions might help in determining whether your personal situation will benefit from professional help.

Are my friends covered when driving my car?
If my pet gets injured in an accident are they covered?
Can I get a multi-policy discount?
Do I have coverage if my license is suspended?
Do I have newly-aquired coverage?
Do I need added coverage for expensive stereo equipment?
Do I have coverage when making deliveries for my home business?
When would I need rental car insurance?
Is my 2018 Chevy Sonic covered for smoke damage?
I have health insurance so do I need medical payments coverage?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can help protect your family.

Coverages available on your car insurance policy

Knowing the specifics of your car insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Collision coverage

Collision coverage will pay to fix damage to your Sonic resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a ditch, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive car insurance

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, rock chips in glass, fire damage and hitting a bird. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things like repair costs for stationary objects, medical services, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for uninsured or underinsured drivers

This provides protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chevy Sonic.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are set the same as your liablity limits.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as nursing services, chiropractic care and EMT expenses. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay