2013 Chevrolet Sonic Insurance Cost

Consumers that are new to comparing insurance rates online may find locating affordable car insurance can be quite difficult.

The Chevy Sonic insurance cost equation

The best way to find cheaper auto insurance is to take a look at some of the factors that are used to determine your policy premiums. If you understand what determines base rates, this enables you to make decisions that could help you find lower rates. Lots of things are considered when you get your auto insurance bill. Some are pretty understandable such as your driving history, although some other factors are not quite as obvious like where you live or your commute time.

Shown below are some of the most rate-impacting factors used by your company to calculate your premiums.

  • Deductibles are a factor – The deductibles you choose define how much you are willing to pay before your auto insurance pays a claim. Insurance for physical damage, also known as collision and other-than-collision, insures against damage to your car. Some instances where coverage would apply could be collision with another vehicle, damage caused by hail, and damage from wind. The larger the amount you’re willing to pay, the lower your rates will be for Sonic insurance.
  • Discounts for married drivers – Having a wife or husband actually saves money on your auto insurance bill. It means you’re more mature and responsible and it’s proven that drivers who are married file infrequent claims.
  • Consolidate and save – Most insurers provide lower prices for people who carry more than one policy such as combining an auto and homeowners policy. The amount of the discounts can be ten percent or more. Even though this discount sounds good, it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible. Consumers may save even more than the discount even if you have your coverage with different companies
  • Buy as much liability insurance as you can afford – Your policy’s liability coverage provides coverage in the event that you are found liable for damages caused by your negligence. It provides for a legal defense to attempt to prove you were not liable. Liability is cheap compared to comp and collision, so do not skimp.
  • Vehicle features impact auto insurance rates – Owning a car with an alarm system can help lower your rates. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
  • Teenage drivers pay high premiums – Youthful drivers tend to be inattentive when driving with friends therefore auto insurance rates are much higher. Older insureds are proven to be safer behind the wheel, tend to cause fewer accidents , and are generally more financially stable.
  • Buy a safe car and pay less – Safer cars tend to be cheaper to insure. These vehicles reduce the chance of injuries and reduced instances of injuries translates directly to fewer claims which can mean better rates for you. If the Chevy Sonic has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.
  • How do annual miles impact costs? – The more you drive in a year the higher the price you pay to insure it. Most insurance companies calculate prices based upon how much you drive. Cars that are left in the garage receive better premium rates than those that get driven frequently. It’s a smart idea to ensure your declarations sheet is showing how each vehicle is driven, because improper ratings can cost you money. Having an incorrect usage rating on your Sonic can result in significantly higher rates.

How to buy insurance coverage online

All the larger insurance coverage companies such as Geico, State Farm and Progressive make it easy to get pricing online. Comparing prices online can be done by anyone as you just type in into a form. After you complete the form, the company’s rating system will obtain your driving and credit reports and provides a quote based on the data you entered.

This simplifies rate comparisons, but having to visit each company’s website and repetitively type in the same information can be a bit repetitive. But it is imperative to get many rate quotes in order to find a lower rate.

The quickest way to lower your insurance coverage bill utilizes a single form that gets prices from several companies at one time. This type of form saves time, requires much less work on your part, and makes comparison shopping much simpler. As soon as the form is sent, it is quoted and you are able to buy any or none of the resulting price quotes. If the quotes result in lower rates, you can simply submit the application and buy the policy. It can be completed in a matter of minutes and you will find out if you’re overpaying now.

To quickly compare pricing, simply click here to open in new window and submit the form. If you currently have coverage, we recommend that you enter the coverages identical to your current policy. Doing this assures you will get a price comparison based on similar coverages.

Be skeptical of car insurance ads

Popular car insurance providers such as Geico, State Farm and Progressive constantly bombard you with ads in print and on television. All the ads say the same thing about savings just by switching your coverage to them. How does every company offer you a better deal? It’s all in how they say it.

All companies look for specific characteristics for the type of customer that earns them the most money. For instance, a profitable risk profile could be between 25 and 40, owns a home, and drives a safe vehicle. Anyone that meets those criteria receive the lowest rate quotes as well as save money with a new company.

Insureds who do not meet the “perfect” profile will see more expensive rates which results in the customer buying from someone else. The trick companies use is to say “customers who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s the way companies can truthfully make claims that they all have the best premium rates. This emphasizes why it is so important to do a price quote comparison at every renewal. It is impossible to predict which company will provide the lowest auto insurance rates.

Cheaper rates by taking advantage of discounts

Some providers don’t always advertise their entire list of discounts in an easy-to-find place, so the following list contains a few of the more common and also the lesser-known discounts that may be available.

  • Service Members Pay Less – Being deployed in the military could qualify you for better rates.
  • College Student – Older children living away from home attending college without a vehicle on campus may qualify for this discount.
  • Sign Online – A few larger online companies will give a small break just for signing your application on the web.
  • Passive Restraints and Air Bags – Options like air bags can get savings as much as 30%.
  • Multi-car Discount – Buying coverage for several vehicles on one policy can get a discount on all vehicles.
  • Homeowners Pay Less – Being a homeowner can save you money since owning and maintaining a home requires a higher level of personal finance.
  • Federal Employees – Active or retired federal employment can save as much as 8% for Sonic insurance with select insurance companies.

As is typical with insurance, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to specific coverage prices like collision or personal injury protection. Even though it appears having all the discounts means you get insurance for free, you aren’t that lucky.

Companies and some of their more popular discounts can be found below.

  • Progressive offers premium reductions for online signing, multi-vehicle, continuous coverage, online quote discount, and good student.
  • AAA has discounts for pay-in-full, anti-theft, good driver, good student, multi-policy, and multi-car.
  • Farmers Insurance includes discounts for pay in full, good student, alternative fuel, electronic funds transfer, bundle discounts, homeowner, and youthful driver.
  • Geico may include discounts for multi-policy, federal employee, daytime running lights, multi-vehicle, defensive driver, seat belt use, and driver training.
  • Esurance has savings for multi-car, DriveSense, Pac-12 alumni, good driver, emergency road assistance, multi-policy, and good student.
  • SAFECO discounts include anti-lock brakes, safe driver, teen safe driver, bundle discounts, homeowner, accident prevention training, and anti-theft.
  • State Farm policyholders can earn discounts including Steer Clear safe driver discount, safe vehicle, anti-theft, passive restraint, multiple policy, defensive driving training, and driver’s education.

Double check with all companies you are considering which discounts can lower your rates. Savings may not be offered in your area. If you would like to choose from a list of insurance companies who offer discounts, click here.

How much insurance do I need?

When it comes to buying proper insurance coverage, there isn’t really a perfect coverage plan. Every situation is different.

For instance, these questions may help you determine whether or not you would benefit from professional advice.

  • At what point should I drop full coverage?
  • What if I owe more than I can insure my car for?
  • Is my camper covered by my car insurance policy?
  • Are there companies who specialize in insuring high-risk drivers?
  • What is the rate difference between pleasure use and commuting?
  • Do I need more liability coverage?
  • Am I covered when driving someone else’s vehicle?
  • What is medical payments coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I have coverage when making deliveries for my home business?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance 101

Having a good grasp of your policy can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Liability car insurance

This will cover damage that occurs to people or other property by causing an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as repair costs for stationary objects, structural damage, attorney fees and loss of income. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Auto collision coverage

This coverage pays for damage to your Sonic resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a parking meter, damaging your car on a curb, colliding with a tree and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for rehabilitation expenses, prosthetic devices, X-ray expenses and surgery. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive insurance

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hitting a bird, vandalism, a broken windshield and hitting a deer. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Chevy Sonic.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Don’t be a big spender

You just learned many tips how you can compare 2013 Chevy Sonic insurance premium rates online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your prices. Consumers may even find the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising.

Cheaper 2013 Chevy Sonic insurance can be sourced on the web and from local agencies, and you need to price shop both in order to have the best chance of saving money. Some insurance companies do not offer internet price quotes and many times these small, regional companies prefer to sell through independent insurance agents.

While you’re price shopping online, you should never buy poor coverage just to save money. In too many instances, someone dropped liability coverage limits to discover at claim time they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage at the lowest possible cost, not the least amount of coverage.

Much more information about insurance coverage can be found at the links below