Compare 2014 Chevrolet Sonic Car Insurance Quotes

Looking for the cheapest insurance coverage rates for your Chevrolet Sonic? Comparison shopping for more affordable insurance coverage is always very difficult for drivers new to comparing rates online. With a ridiculous number of online companies available, it can easily become a real difficult job to find the perfect company for you.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have a car insurance policy, you will be able to save some money using these methods. But consumers can benefit by having an understanding of how companies market on the web and use this information to your advantage.

How to buy car insurance online

There are several ways to compare car insurance prices but some are less labor-intensive and much quicker. You can waste hours talking about coverages with insurance companies in your area, or you could save time and use the internet to get pricing more quickly.

Most of the best insurance companies participate in an industry program where insurance shoppers submit one quote, and at least one company can give them a price. This system prevents you from having to do form submissions for each company you want a rate for.

To find out what other companies charge click here to start a free quote.

The single downside to using this type of system is that you can’t choose the providers you will receive quotes from. So if you want to choose from a list of companies to request quotes from, we put together a list of low cost car insurance companies in your area. Click here for list of insurance companies.

The approach you take is up to you, just make sure you are using equivalent coverage data on every price quote you get. If you compare different data it will be very difficult to make an equal comparison. Just slight variations in insurance coverages may result in a large different in cost. Just remember that comparing a large number of companies helps increase your odds of locating more affordable insurance. Some companies don’t provide rate quotes online, so you also need to get rates on coverage from those companies, too.

Auto Insurance Discounts

Insuring your fleet can be pricey, but you can get discounts that may help make it more affordable. Most are applied when you get a quote, but some need to be requested specifically before you will receive the discount.

New Car Discount – Buying a new car model may earn a small discount compared to insuring an older model.
Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
Safety Course Discount – Taking time to complete a safe driver course could save 5% or more and easily recoup the cost of the course.
Include Life Insurance and Save – Not all auto insurance companies offer life insurance, but some may give you a lower auto insurance rate if you buy a life policy as well.
Mature Driver Discount – If you’re over the age of 55, you are able to get a small discount on rates on Sonic coverage.
Paperless Signup – Many companies will give a small break just for signing your application online.
Own a Home and Save – Simply owning a home may earn you a small savings since home ownership means you have a higher level of financial diligence.

Remember that most credits do not apply the the whole policy. Some only apply to the cost of specific coverages such as comp or med pay. Even though it appears you would end up receiving a 100% discount, nobody gets a free ride.

Large auto insurance companies and their offered discounts include:

State Farm has discounts for safe vehicle, student away at school, good driver, accident-free, Steer Clear safe driver discount, and defensive driving training.
Liberty Mutual may include discounts for multi-policy, safety features, new vehicle discount, newly retired, multi-car, and exclusive group savings.
American Family policyholders can earn discounts including Steer into Savings, good student, defensive driver, mySafetyValet, and accident-free.
Progressive offers discounts including online quote discount, homeowner, multi-policy, online signing, multi-vehicle, and good student.
Farmers Insurance may have discounts that include switch companies, distant student, alternative fuel, electronic funds transfer, early shopping, good student, and mature driver.
Auto-Owners Insurance offers premium reductions for good student, group or association, safe vehicle, air bags, multiple vehicles, paid in full, and paperless.
SAFECO may offer discounts for homeowner, anti-theft, teen safe driver, safe driver, and anti-lock brakes.

When getting a coverage quote, ask each company which discounts they offer. All car insurance discounts may not be available in your state.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different.

For example, these questions may help you determine if your insurance needs could use an agent’s help.

Is my camper covered by my car insurance policy?
Do I need to file an SR-22 for a DUI in my state?
Can I rate high risk drivers on liability-only vehicles?
Can my teen drive my company car?
Am I covered when using my vehicle for business?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?
What if I don’t agree with a claim settlement offer?
Does having multiple vehicles earn me a discount?
Can I afford to pay high deductible claims out of pocket?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form.

Insurance coverages 101

Having a good grasp of your insurance policy can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Chevy Sonic.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for collisions

Collision insurance 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 coverage protects against claims such as sideswiping another vehicle, sustaining damage from a pot hole, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses for rehabilitation expenses, prosthetic devices, ambulance fees and nursing services. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability

This will cover injuries or damage you cause to a person or their property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like medical expenses, bail bonds and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hail damage, vandalism, a tree branch falling on your vehicle, damage from getting keyed and hitting a bird. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.