Chevrolet Chevrolet Sonic Insurance Rates
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UPDATED: Mar 19, 2020
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Searching for better auto insurance rates for your Chevrolet Sonic? Scraping up a payment for overpriced Chevrolet Sonic insurance can empty your checking account and force you to prioritize other expenses. Doing a price comparison is free, only takes a few minutes, and is a good way to lower your monthly bill.
Multiple insurance companies compete for your hard-earned dollar, so it can be very hard to choose a company to find the absolute lowest price
If you have car insurance now, you will most likely be able to save some money using these methods. Buying car insurance is quite easy. Although car owners need to have an understanding of the way insurance companies determine prices because it can help you find the best coverage.
Car Insurance Comparison Rates
There are multiple methods to compare 2014 Chevy Sonic car insurance prices but one way is less time-consuming than others. You can spend your afternoon driving to local insurance agents in your area, or you could use online quoting to get rate comparisons in just a few minutes.
Many of the larger companies belong to a marketplace where insurance shoppers only type in their quote data once, and at least one company provides a quote. This system prevents you from having to do repetitive form submissions for every car insurance company.
To use this form to compare 2014 Chevy Sonic insurance rates click here to start a free quote.
The only downside to using this type of system is that you can’t choose which providers you will receive quotes from. If you prefer to choose specific providers for rate comparison, we have a listing of low cost car insurance companies in your area. View list of insurance companies.
It’s your choice how you get your quotes, but ensure you are comparing the exact same coverage limits and deductibles for each comparison quote. If you are comparing unequal deductibles or liability limits you can’t possibly make a fair comparison for your Chevy Sonic. Having just a slight variation in limits could mean much higher rates. And when price shopping your coverage, comparing a large number of companies helps locate better pricing.
Don’t overlook these discounts
Car insurance companies don’t always list every available discount in an easy-to-find place, so we researched some of the best known as well as the least known ways to save on auto insurance.
- Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
- Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt can save 10% or more off your medical payments premium.
- Accident Free – Drivers who don’t have accidents can save substantially as compared to drivers who are more careless.
- Paperwork-free – A few companies will give a small break for buying your policy over the internet.
- Accident Forgiveness – A few companies will allow you to have one accident before raising your premiums if you are claim-free for a certain period of time.
- Multi-car Discount – Having more than one vehicle on one policy qualifies for this discount.
- Early Switch Discount – Some companies give discounts for switching policies prior to your current policy expiring. It’s a savings of about 10%.
- Homeowners Discount – Being a homeowner may trigger a auto insurance policy discount because owning a home is proof that your finances are in order.
Keep in mind that most discounts do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way.
For a list of providers offering auto insurance discounts, click here to view.
Is my situation unique?
When it comes to choosing the right insurance coverage, there really is not a best way to insure your cars. Every insured’s situation is different so your insurance should reflect that For instance, these questions might help in determining if your insurance needs might need professional guidance.
- What is the rate difference between pleasure use and commuting?
- Are my tools covered if they get stolen from my vehicle?
- Am I covered if I break a side mirror?
- Do I pay less if my vehicle is kept in my garage?
- Should I buy full coverage?
- Are my friends covered when driving my 2014 Chevy Sonic?
- Does my personal policy cover me when driving out-of-state?
- What happens if I owe more than my 2014 Chevy Sonic is worth?
- What is roadside assistance coverage?
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.
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Chevy Sonic insurance rates consist of many parts
Smart consumers have a good feel for the rating factors that play a part in calculating auto insurance rates. Understanding what influences your rates helps enable you to make changes that can help you get lower auto insurance prices.
Shown below are a few of the “ingredients” that factor into your rates.
- Women pay lower rates – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that men are worse drivers. Both sexes cause accidents in similar numbers, but men cause more damage. Men also receive more costly citations such as reckless driving. Young males are the most expensive to insure and are penalized with high auto insurance rates.
- Protect yourself with liability coverage – Liability insurance is the coverage that protects you when you are found liable for damages caused by your negligence. Liability provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
- Too many auto insurance claims drive up costs – If you file claims often, you can look forward to either policy cancellation or increased premiums. Auto insurance companies award lower rates to people who are claim-free. Your insurance policy is intended for larger claims.
- Your job and insurance rates – Jobs such as doctors, architects and dentists tend to pay the highest average rates in part from stressful work requirements and long work hours. Other jobs such as farmers, historians and retirees have the lowest average rates on Sonic insurance.
- Your car’s features help determine rates – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.
Insurance coverages and their meanings
Learning about specific coverages of a insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages available from insurance companies.
This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims like scraping a guard rail, colliding with a tree, sideswiping another vehicle, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.
Comprehensive (Other than Collision)
Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for things like hail damage, damage from a tornado or hurricane and hitting a bird. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Medical expense insurance
Med pay and PIP coverage pay for expenses such as chiropractic care, prosthetic devices, pain medications and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
Liability auto insurance
This coverage provides protection from damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property.
Liability coverage pays for things such as bail bonds, repair bills for other people’s vehicles, court costs and emergency aid. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.
Protection from uninsured/underinsured drivers
This gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Sonic.
Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.
Be Smart and Buy Smart
We just presented some good ideas how you can get a better price on 2014 Chevy Sonic insurance. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest premiums are with a smaller regional carrier. They can often insure niche markets at a lower cost compared to the large companies like Progressive or GEICO.
The cheapest insurance is available both online in addition to many insurance agents, and you should be comparing both to have the best rate selection. Some insurance companies do not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.
As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed collision coverage only to discover later they didn’t have enough coverage. The ultimate goal is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.
To learn more, feel free to visit the resources below:
- What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
- Auto Crash Statistics (Insurance Information Insitute)
- Tread Depth and Tire Safety (State Farm)
- Understanding Your Insurance Deductible (Insurance Information Insitute)
- Prepare your Teens for Safe Driving (InsureUonline.org)
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