2014 Chevrolet Sonic Insurance Cost

Having to pay for pricey insurance can drain your funds and make it impossible to make ends meet. Performing a rate comparison is recommended to lower your monthly bill.

Insurance companies such as Allstate, Progressive and Geico all claim big savings, bombarding you with ad campaigns and it is difficult to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

Ways to get car insurance rate quotes

There are a lot of ways to shop for car insurance, and some are more efficient than others. You can waste a lot of time talking about coverages with agents in your area, or you could use the web to quickly compare rates.

All the larger companies belong to a marketplace where insurance shoppers complete one form, and every company provides a quote for coverage. This eliminates the need for quotation requests for every car insurance company.

To compare rates using this form now click here to start a free quote.

The one downside to getting quotes like this is you are unable to specify which insurance companies to get pricing from. So if you prefer to pick individual companies to compare, we have a page of car insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just ensure you are comparing exactly the same quote information for each price quote. If your comparisons have higher or lower deductibles you will not be able to find the best deal for your Chevy Sonic.

Do you qualify for discount auto insurance?

Some insurance providers don’t always advertise every available discount in an easy-to-find place, so the next list breaks down a few of the more common as well as the least known auto insurance savings.

• Discounts for Multiple Vehicles – Drivers who insure primary and secondary vehicles on a single policy can get a discount on all vehicles.
• Driver Education Discount – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
• Payment Discounts – If you pay your bill all at once instead of paying each month you could save 5% or more.
• Early Signing – Some larger companies give discounts for buying a policy before your current expiration date. You could save around 10% when you buy car insurance online.
• Homeowners Discount – Owning a house can help you save on auto insurance since owning and maintaining a home is proof of financial responsibility.

As a disclaimer on discounts, most credits do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like you could get a free auto insurance policy, it just doesn’t work that way.

A few of the larger companies and the discounts they provide are:

• State Farm discounts include anti-theft, safe vehicle, good driver, defensive driving training, driver’s education, and passive restraint.
• Geico may include discounts for federal employee, multi-policy, military active duty, driver training, anti-theft, air bags, and daytime running lights.
• Progressive may offer discounts for multi-policy, online signing, good student, online quote discount, homeowner, and multi-vehicle.
• 21st Century offers premium reductions for defensive driver, early bird, driver training, automatic seat belts, anti-lock brakes, and student driver.
• American Family offers discounts including TimeAway discount, Steer into Savings, accident-free, air bags, multi-vehicle, bundled insurance, and good student.
• The Hartford includes discounts for vehicle fuel type, air bag, driver training, anti-theft, and defensive driver.
• AAA policyholders can earn discounts including AAA membership discount, anti-theft, pay-in-full, education and occupation, multi-policy, and good student.

When getting free car insurance quotes, it’s a good idea to each company to apply every possible discount. Some of the discounts discussed earlier may not apply to policies in your area. To find auto insurance companies with significant discounts, click this link.

Smart buyers can cut insurance costs

The best way to find cheaper auto insurance is to take a look at some of the factors that play a part in calculating your premiums. If you know what determines base rates, this enables informed choices that could result in lower rates. Many things are part of the equation when you quote your car insurance policy. Most are fairly basic such as your driving record, but others are not quite as obvious such as whether you are married or how financially stable you are.

The itemized list below are most of the major factors used by your company to calculate rates.

• Married people drive safer – Being married actually saves money on your auto insurance bill. Marriage is viewed as being less irresponsible and it’s proven that married drivers tend to file fewer claims.
• Is insurance cheaper for men or women? – Statistics show that females tend to be a little less risky than males. This data doesn’t prove that males are worse at driving than females. Females and males cause accidents in similar numbers, but guys get into accidents with more damage. Men also tend to receive more costly citations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high auto insurance rates.
• Your location is important – Having an address in areas with lower population has it’s advantages when it comes to auto insurance. Fewer drivers on the road corresponds to lower accident rates and a lower car theft rate. Drivers who live in large cities tend to have more traffic problems and more time behind the wheel. The longer drive time means a statistically higher chance of an accident.
• Extra coverages you don’t use – There are quite a few extra add-on coverages that can waste your money on your Sonic policy. Coverages like personal injury protection, accident forgiveness, and motor club memberships may not be needed and are just wasting money. The coverages may be enticing when buying your policy, but if you’ve never needed them in the past get rid of them and save.
• Better rates for continuous auto insurance coverage – Not having insurance is against the law and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. Not only will rates go up, getting caught without coverage might get you a license revocation or jail time.
• Your career may increase prices – Occupations like judgesair traffic controllers and stock brokers tend to have higher premium rates due to high stress levels and long work hours. On the other hand, jobs such as scientists, students and the unemployed pay the least for Sonic insurance.
• Safeguard your assets with liability insurance – The liability coverage on your policy is the coverage that protects you in the event that you are responsible for causing damage or personal injury in an accident. This coverage provides you with a defense in court which can cost thousands of dollars. It is affordable coverage compared to physical damage coverage, so buy as much as you can afford.
• Do you really need to file that policy claims? – Car insurance companies generally give discounts to people who are claim-free. If you file claims often, you can look forward to increased rates or even have your policy non-renewed. Auto insurance is intended for major claims that would cause financial hardship.

What insurance coverages do I need?

When it comes to choosing the right insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that may help highlight if you would benefit from an agent’s advice.

• If I drive on a suspended license am I covered?
• Should I have a commercial auto policy?
• Do I need medical payments coverage since I have good health insurance?
• Can I make deliveries for my home business?
• What is the rate difference between pleasure use and commuting?
• Does my policy cover my teen driver if they drive my company car?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Will you really save $428 on insurance?

Consumers get pounded daily by advertisements for insurance savings by companies like Progressive, Allstate and Geico. They all seem to say the same thing that you can save just by switching to their company.

How does every company make almost identical claims? You have to listen carefully.

All companies require specific criteria for the driver that makes them money. For instance, this type of driver should be between the ages of 30 and 45, has a clean driving record, and chooses high deductibles. A driver that fits those parameters will most likely get cheap premium rates and will most likely save if they switch.

People who don’t meet the requirements will probably be forced to pay higher premiums and this can result in the prospect going elsewhere. If you listen closely, the ads state “people who switch” not “everyone who quotes” can save as much as they claim. That is how insurance companies can lure you into getting a quote.

Because each company has a different risk profile, drivers must compare price quotes frequently. It is impossible to predict which insurance company will give you lower premium rates than your current company.

Insurance policy specifics

Understanding the coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types available from insurance companies.

Comprehensive insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, falling objects, rock chips in glass, damage from a tornado or hurricane and theft. The maximum amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for liability

This coverage protects you from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like funeral expenses, loss of income, medical services, court costs and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for bills like dental work, nursing services, EMT expenses and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Sonic.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision insurance

Collision coverage pays for damage to your Sonic resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a parking meter, damaging your car on a curb, crashing into a ditch, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

A tidy conclusion

We’ve covered many tips how you can reduce 2014 Chevy Sonic insurance rates online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may even discover the best price on car insurance is with the smaller companies. Smaller companies may have significantly lower auto insurance rates on certain market segments than their larger competitors like Allstate or State Farm.

As you prepare to switch companies, do not skimp on critical coverages to save a buck or two. In many cases, an accident victim reduced liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your goal is to buy a smart amount of coverage at the best price, but do not sacrifice coverage to save money.

More information can be found at the links below

• Credit and Insurance Scores (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Bodily Injury Coverage (Liberty Mutual)
• Auto Insurance 101 (About.com)