Cheaper 2012 Chevrolet Sonic Insurance Rates

No one in their right mind likes paying for car insurance, especially when they know they are paying too much.

Due to the fact that there are so many car insurance companies to choose from, it’s difficult to choose the most cost effective company.

You need to compare premium rates periodically since prices change frequently. Even if you got the best price for Sonic insurance a couple years back you will most likely find a better rate today. Block out anything you think you know about car insurance because you’re going to learn how to quote online to properly buy coverages and cut your premium.

Cheaper auto insurance quotes with discounts

Auto insurance is easily one of your largest bills, but there may be some discounts that can drop the cost substantially. Certain credits will be shown when you complete an application, but once in a while a discount must be asked about before they will apply.

Multiple Policy Discount – If you have multiple policies and insure them with the same company they may give you a discount of over 10 percent off each policy depending on the company.
ABS Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control have fewer accidents so companies give up to a 10% discount.
Membership in Organizations – Participating in a qualifying organization is a simple method to lower premiums on your bill.
Low Mileage Discounts – Low annual miles could earn lower rates due to less chance of an accident.
Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of 20 to 30 percent.
Own a Home and Save – Just owning your own home can save you money due to the fact that maintaining a home requires a higher level of personal finance.

We need to note that most credits do not apply to the entire cost. Most only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you can get free auto insurance, it’s just not the way it works.

The best auto insurance companies and some of their more popular discounts are:

Geico has discounts for membership and employees, air bags, multi-policy, daytime running lights, and good student.
Auto-Owners Insurance may include discounts for multiple vehicles, safe driver, anti-theft, paperless, paid in full, good student, and student away at school.
American Family has savings for TimeAway discount, good student, air bags, Steer into Savings, bundled insurance, early bird, and good driver.
Esurance includes discounts for homeowner, good driver, defensive driver, DriveSense, safety device, and anti-theft.
Progressive policyholders can earn discounts including continuous coverage, homeowner, multi-vehicle, multi-policy, online quote discount, good student, and online signing.
State Farm offers discounts including safe vehicle, student away at school, multiple autos, good student, good driver, and driver’s education.
AAA may offer discounts for good student, multi-policy, pay-in-full, multi-car, and education and occupation.

When quoting, ask every company to apply every possible discount. A few discounts might not be available to policyholders in every state.

Compare auto insurance quotes online

When shopping for the cheapest insurance quotes, there are a couple of ways to obtain and compare prices from many different insurance companies. The quickest method to do a complete rate comparison is to jump online and get quotes. This can be accomplished in just a few minutes using one of these methods.

The single most time-saving way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This easy form keeps you from doing repetitive form submissions for every auto insurance company. Filling out one form compares rates direct from many companies.
A slightly less efficient method to analyze rates is going to each company website and repeat the quote process again and again. For example, we’ll assume you want to view quotes from Allstate, 21st Century and State Farm. You would need to navigate to each company’s site to input your insurance information, which is why the first method is more popular.
For a list of companies in your area, click here.
The least recommended method of comparing rate quotes is to spend your day driving to and from local insurance agencies. Quoting and buying insurance online makes this unnecessary unless you prefer the professional assistance that you can only get from talking to an agent. Some companies do allow you to get prices online but buy from a local insurance agent.

Compare rates however you want, just be sure to compare the exact same coverage limits for each price quote. If the quotes have different limits and deductibles on each one it will be impossible to make a fair comparison for your Chevy Sonic. Slightly different insurance coverages can make a big difference in price. And when quoting auto insurance, remember that more quotes will improve the odds of getting more affordable rates.

Informed drivers can slash their insurance premiums

Multiple criteria are taken into consideration when pricing auto insurance. A few of the factors are predictable such as your driving history, but other factors are not quite as obvious such as whether you are married or your financial responsibility.An important part of buying insurance is that you know the rating factors that are used to determine your premiums. If you have a feel for what influences your rates, this enables informed choices that may reward you with lower rates.

The list below includes a few of the things used by companies to determine rates.

Where you reside can influence premiums – Living in a small town can save you money if you are looking for the lowest rates. Drivers who live in large cities tend to have more road rage incidents and more time behind the wheel. Fewer drivers on the road corresponds to lower accident rates and a lower car theft rate.
Increase comp and collision deductibles to save – Physical damage deductibles define the amount you are required to pay if a covered claim is submitted. Physical damage insurance, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some examples of claims that would be covered would be a windshield broken by a bird, damage from fire, and damage caused by road hazards. The more damage repair cost the insured has to pay upfront, the better rate you will receive for Sonic insurance.
Your credit rating is important – Having a good credit history is likely to be a major factor in calculating your premium rate. Insureds with excellent credit scores tend to be better drivers and file fewer claims than those with lower credit ratings. Therefore, if your credit history could use some work, you could potentially save money when insuring your 2012 Chevrolet Sonic if you improve your credit rating.
Do men or women drive better? – The statistics show that females tend to be a little less risky than males. However, this does not mean males are worse at driving than females. They both are responsible for at-fault accidents at a similar rate, but the men tend to have more serious accidents. Men also statistically receive more costly citations such as DWI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and therefore are the most expensive to insure.
Don’t skimp on liability protection – Liability coverage is the protection when you are found liable for causing personal injury or damage in an accident. Your liability coverage provides legal defense coverage up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so do not skimp.
Being married brings a discount – Walking down the aisle helps lower the price on your policy. Having a spouse may mean you are more stable financially and statistics prove drivers who are married file infrequent claims.

Tailor your auto insurance coverage to you

When choosing adequate coverage for your personal vehicles, there is no perfect coverage plan. Every insured’s situation is different and your policy should reflect that. For example, these questions may help you determine if you will benefit from professional help.

When does my teenage driver need to be added to my policy?
Is my trailer covered?
How does medical payments coverage work?
Do all my vehicles need collision coverage?
Does my insurance cover a custom paint job?
Do I have coverage for damage caused while driving under the influence?
Does my policy cover me when driving someone else’s vehicle?

If you can’t answer these questions, you might consider 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.

Car insurance coverage information

Having a good grasp of auto insurance can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are the usual coverages found on the average auto insurance policy.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from a tornado or hurricane, damage from getting keyed, a broken windshield, theft and a tree branch falling on your vehicle. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your 2012 Chevy Sonic.

Since a lot of 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.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses like X-ray expenses, doctor visits and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Liability insurance

This provides protection from damages or injuries you inflict on a person or their property. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things like medical expenses, emergency aid and medical services. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Collision insurance

Collision coverage will pay to fix damage to your Sonic from colliding 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 protects against things like scraping a guard rail, sustaining damage from a pot hole, colliding with a tree, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Smart consumers save more

In this article, we presented a lot of information how to lower your 2012 Chevy Sonic insurance rates. The key thing to remember is the more providers you compare, the better your comparison will be. Consumers could even find that the lowest rates come from a lesser-known regional company. Some small companies can often insure niche markets at a lower cost than their larger competitors like State Farm, Geico and Nationwide.

When you buy insurance online, it’s a bad idea to buy poor coverage just to save money. In too many instances, drivers have reduced comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage at an affordable rate, not the least amount of coverage.