2012 Chevrolet Sonic Insurance Cost

Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance coverage policy? Trust us, you’re not alone. There are many car insurance companies to buy insurance from, and although it’s a good thing to have multiple companies, it can be more challenging to find the lowest rates.

Finding affordable coverage is easy if you know what you’re doing. If you have a current auto insurance policy or need new coverage, you can use this information to find the best rates and still get good coverage. Drivers just need to understand how to buy auto insurance online.

Finding Auto Insurance Deals

Getting a cheaper price on 2012 Chevy Sonic insurance can be relatively painless. All that’s required is to spend a little time comparing price quotes online with multiple companies. This is very easy and can be done in several different ways.

  1. The recommended way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This form keeps you from doing repetitive form submissions for every auto insurance company. One form submission will return quotes from all major companies.
  2. A more difficult way to analyze rates requires a trip to each company’s website and request a quote. For examples sake, we’ll pretend you want to compare rates from Nationwide, Progressive and Allstate. To find out each rate you need to spend time on each company’s site and enter your information, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

  3. The most time-consuming way of getting rate comparisons is to waste gas driving to insurance agents’ offices. Shopping for auto insurance online has reduced the need for local agents unless you require the trained guidance of a licensed agent. You can, however, price shop your coverage online and still use a local agent. We’ll cover that shortly.

Whichever way you use, compare exactly the same coverages and limits for each price quote. If you use unequal deductibles or liability limits it will be very difficult to decipher which rate is best.

Chevy Sonic insurance rates can be determined by these details

Smart consumers have a good feel for some of the elements that play a part in calculating auto insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that may reward you with better auto insurance rates.

  • Safe vehicles cost less to insure – Vehicles with high crash test scores get lower rates. Safe vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders. If your Chevy has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Rates may be lower depending on your job – Occupations such as lawyers, executives and financial analysts tend to have higher average rates due to high stress and lengthy work days. Conversely, occupations like farmers, engineers and the unemployed receive lower rates for Sonic insurance.
  • Men fork out a little more – Statistics have proven women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. They both are in accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also get more serious tickets such as reckless driving.
  • Adjust deductibles and save – The deductibles represent how much money you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage insurance, also known as collision and other-than-collision, protects your car from damage. Examples of covered claims are colliding with a building, damage from fire, and rolling your vehicle. The more you’re willing to pay, the lower your rates will be for Sonic insurance.
  • Drive less and save money – The higher the mileage driven each year the higher your rate. Most insurance companies charge to insure your cars based on their usage. Cars used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance declarations sheet is rated on the correct usage for each vehicle, because improper ratings can cost you money. If your policy improperly rates your Sonic can cost quite a bit.
  • Bundling policies can get discounts – Many auto insurance companies will give a discount to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to shop around to confirm you are receiving the best rates possible. You may still find better rates by splitting coverages up.

Discounts to lower Chevy Sonic insurance rates

Companies don’t always publicize all available discounts in a way that’s easy to find, so we break down some of the more common and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Seat Belt Usage – Drivers who require all occupants to use a seat belt could cut 10% or more off the personal injury premium cost.
  • 55 and Retired – If you’re over the age of 55, you may be able to get a discount up to 10% for Sonic insurance.
  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Sign Early and Save – Some insurance companies reward drivers for signing up before your current expiration date. It can save you around 10%.
  • Life Insurance – Some companies give a discount if you purchase life insurance.
  • Multi-policy Discount – When you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy could earn a price break for each car.
  • Accident Free – Good drivers with no accidents can save substantially when compared to accident-prone drivers.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, it just doesn’t work that way.

To see a list of insurance companies offering auto insurance discounts, follow this link.

Tailor your coverage to you

When choosing the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions may help highlight whether your personal situation would benefit from professional advice.

  • Do I need replacement cost coverage on my 2012 Chevy Sonic?
  • Am I covered if I wreck a rental car?
  • Should I waive the damage coverage when renting a car?
  • When would I need rental car insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • Why do I only qualify for high-risk insurance?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, free and can provide invaluable advice.

Car insurance coverage information

Understanding the coverages of your auto insurance policy aids in choosing the best coverages for your vehicles. Auto insurance terms can be confusing and coverage can change by endorsement. Listed below are the normal coverages found on most auto insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Chevy Sonic.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision coverage protection

Collision insurance will pay to fix damage to your Sonic caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as colliding with another moving vehicle, backing into a parked car, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for short-term medical expenses such as ambulance fees, hospital visits, funeral costs, dental work and pain medications. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from flooding, vandalism, hitting a bird, hitting a deer and hail damage. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability insurance

Liability coverage can cover damage that occurs to a person or their 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. Your policy might show policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like funeral expenses, repair costs for stationary objects and medical expenses. 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.

In the end, you save

We just showed you a lot of information how to compare 2012 Chevy Sonic insurance prices online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from an unexpected company. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as GEICO and State Farm.

When you buy insurance online, it’s a bad idea to reduce coverage to reduce premium. There are many occasions where an accident victim reduced liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at the best price while still protecting your assets.

Additional car insurance information can be read on the following sites: