Compare 2013 Chevrolet Sonic Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 19, 2020

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Have you had enough of robbing Peter to pay Paul each month for car insurance? You’re in the same situation as the majority of other car owners.

Insurance companies such as Allstate, Liberty Mutual and State Farm promote their brand names with ad campaigns and it can be hard to not get sucked in by the cute commercials and take the time to shop coverage around.

You should make it a habit to compare rates occasionally because insurance rates fluctuate regularly. Just because you found the lowest rates for Sonic coverage two years ago you can probably find a better price now. Forget anything you know (or think you know) about insurance because you’re about to find out the right way to find better coverage at a better price.

Free Auto Insurance Quotes

Most major insurance companies such as State Farm, Allstate and GEICO give prices on their websites. Getting online quotes is fairly straightforward as you just type in the coverage amounts you desire into a form. After you submit the form the system makes automated requests for reports for credit and driving violations and returns a price quote based on these and other factors. Online price quotes simplifies rate comparisons, but the time required to go to a lot of sites and enter the same data into a form is repetitive and time-consuming. But it is imperative to get many rate quotes if you are searching for a better rate.

The smarter way to find better auto insurance pricing makes use of a single form to get prices from multiple companies. The form is fast, reduces the work, and makes comparison shopping much easier. Immediately after you send the form, it is quoted and you can select any of the quotes that you receive. If a lower price is quoted, you can simply submit the application and buy the policy. The entire process only takes a few minutes and may result in a nice savings.

To find out if lower rates are available, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you replicate the coverages identical to your current policy. Doing this guarantees you will get comparison quotes based on similar coverages.

Tailor your coverage to you

When choosing adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions might point out if your insurance needs may require specific advice.

  • Do I need special endorsements for business use of my vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Can I make deliveries for my home business?
  • Can I rent a car in Mexico?
  • How can I find cheaper teen driver insurance?
  • What can I do if my company won’t pay a claim?
  • If my pet gets injured in an accident are they covered?
  • What are the financial responsibility laws in my state?
  • Where can I find DUI or SR-22 insurance?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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What insurance coverages do you need?

Knowing the specifics of your policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverages available from insurance companies.

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, damage from getting keyed and damage from a tornado or hurricane. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto collision coverage

This coverage covers damage to your Sonic from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a mailbox, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Liability car insurance

This will cover damage that occurs to people or other property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like funeral expenses, emergency aid and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2013 Chevy Sonic.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for immediate expenses like X-ray expenses, funeral costs, nursing services and ambulance fees. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

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