How Much Does 2018 Chevrolet Sonic Insurance Cost?

Did you make the mistake of buying overpriced insurance coverage? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their insurance coverage policy.

Big companies like State Farm, Progressive and Geico continually hit you with ads and it can be hard to ignore the flashy ads and find the best price available.

Consumers need to get comparison quotes before your policy renews because prices are constantly changing. Even if you got the lowest rates for Sonic insurance at your last renewal there may be better deals available now. Block out anything you think you know about insurance coverage because you’re about to find out one of the easiest ways to eliminate unnecessary coverages and save money.

Which car insurance is cheapest?

Many insurance companies such as State Farm and Allstate allow you to get coverage price quotes from their websites. This process is very simple because you just enter the coverage amounts you desire as requested by the quote form. Once entered, the company’s rating system gets credit information and your driving record and returns a price determined by many factors. Online price estimates helps simplify price comparisons, but the work required to visit different websites and type in your information is a big time waster. But it’s necessary to compare as many rates as possible if you want to get the lowest car insurance rates.

An easier way to get multiple rate quotes is to use a quote form that obtains quotes from a lot of companies. It saves time, helps eliminate reptitive entry, and makes online price comparison much more enjoyable and efficient. After your information is entered, your coverage is rated and you are able to buy any one of the price quotes you receive.

If a lower price is quoted, you simply finish the application and purchase the new policy. The whole process can be completed in less than 10 minutes and you will know how your current rates stack up.

To find out how much you’re overpaying now, simply click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended you duplicate your coverages identical to your current policy. Doing this guarantees you will receive a price comparison using the exact same coverages.

Save with these discounts

Insuring your vehicles can cost a lot, but you might find some hidden discounts that could help you make your next renewal payment. Certain credits will be shown at the time of purchase, but some need to be manually applied before you get the savings.

  • Air Bags and Passive Restraints – Factory options such as air bags or motorized seat belts can qualify for discounts of 25 to 30%.
  • Low Mileage Discounts – Fewer annual miles on your Chevy can qualify you for discounted insurance coveragerates on garaged vehicles.
  • Own a Home – Just owning your own home may trigger a policy discount on insurance coverage due to the fact that maintaining a home demonstrates responsibility.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Buy New and Save – Buying a new car instead of a used car may earn a small discount because new vehicles are generally safer.

You should keep in mind that most discounts do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way. But any discount should help lower the cost of coverage.

If you would like to see a list of providers with discount rates, follow this link.

Special considerations

When it comes to buying the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions may help you determine whether your personal situation could use an agent’s help.

  • Should I sign the liability waiver when renting a car?
  • Is my babysitter covered when using my vehicle?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How can I get high-risk coverage after a DUI?
  • Is extra glass coverage worth it?
  • How much liability coverage do I need in my state?
  • Am I covered if I wreck a rental car?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Detailed coverages of your insurance policy

Knowing the specifics of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are the normal coverages available from insurance companies.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like scraping a guard rail, backing into a parked car, crashing into a building, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability insurance – Liability coverage provides protection from damage that occurs to other people or property. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things like loss of income, medical services and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as ambulance fees, EMT expenses, funeral costs and prosthetic devices. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover you and your occupants in addition to getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive insurance – This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a broken windshield, theft, rock chips in glass and hitting a bird. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Save for a rainy day

Some companies don’t offer online quoting small insurance companies only sell through independent agents. Budget-friendly auto insurance can be found from both online companies and from local insurance agents, so you need to compare both to have the best chance of lowering rates.

We just presented quite a bit of information on how to compare 2018 Chevy Sonic insurance car insurance rates online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding cheaper insurance coverage. You may even discover the best price on auto insurance is with a lesser-known regional company. Some small companies may only write in your state and offer lower premium rates than the large multi-state companies such as State Farm, Geico and Nationwide.

More information can be found on the following sites: