2015 Chevrolet Sonic Insurance Rates

Trying to find better insurance coverage rates for your Chevrolet Sonic? Paying for high-priced Chevrolet Sonic insurance can empty your bank account and put a big crunch on your finances. Comparing price quotes is a great way to lower your monthly bill. Having so many different company options, it is hard for the average consumer to find the lowest cost provider.

These factors can influence Chevy Sonic insurance rates

An important part of buying insurance is that you know the different types of things that go into determining auto insurance rates. Understanding what influences your rates helps enable you to make changes that can help you get lower auto insurance prices.

  • Always keep insurance in force – Driving with no insurance is illegal and you will pay a penalty because you let your coverage lapse. Not only will you pay more, but being ticketed for driving with no insurance may earn you a revoked license or a big fine.
  • Liability coverage protects you – The liability section of your policy provides coverage when you are found to be at fault for personal injury or accident damage. Liability insurance provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Increase deductibles and save – Deductibles for physical damage represent how much money you are required to spend before your auto insurance pays a claim. Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. A few examples of covered claims would be colliding with a building, damage caused by hail, or theft. The higher the amount you have to pay, the lower your rates will be for Sonic coverage.
  • Better credit means lower rates – A driver’s credit history is a huge factor in calculating your auto insurance rates. Therefore, if your credit score is not that good, you could be paying less to insure your 2015 Chevrolet Sonic by improving your credit score. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • Older drivers save more – Older insureds are more responsible, file fewer claims and get fewer tickets. Teenage drivers are statistically proven to be less responsible when behind the wheel and because of this, their auto insurance rates are much higher.

Vehicle Insurance Comparison

Getting a lower price on 2015 Chevy Sonic insurance can be relatively painless. You just need to take a couple of minutes comparing rate quotes from different insurance companies. This can be accomplished in several different ways.

  • The single most time-saving way to get quotes is a comparison rater form click here to open form in new window. This type of form saves time by eliminating separate quotes to each individual insurance company. A single, simple form will return quotes direct from many companies.
  • A different way to analyze rates requires visiting each company’s website to request a price quote. For instance, we’ll pretend you want comparison quotes from USAA, Allstate and Travelers. To find out each rate you need to go to every website to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  • The most time-consuming method to get comparison rates is to waste gas driving to insurance agents’ offices. The ability to buy insurance online eliminates the need for an insurance agent unless you have a need for the professional guidance of a licensed agent. However, consumers can price shop online and still use a local agent. We’ll cover that shortly.

Whichever method you choose, make absolute certain that you use exactly the same coverages and limits on every quote you get. If you are comparing higher or lower deductibles it will be very difficult to make a fair comparison for your Chevy Sonic.

Advertising myths

Drivers can’t ignore all the ads for cheaper car insurance from the likes of Allstate, GEICO and Progressive. They all say the same thing of big savings if you move your coverage to them.

How does each company say the same thing? It’s all in the numbers.

Insurance companies can use profiling for the type of driver that earns them a profit. A good example of a profitable customer could possibly be over the age of 40, has no tickets, and has excellent credit. A customer getting a price quote that hits that “sweet spot” is entitled to the best price and is almost guaranteed to cut their rates substantially.

Drivers who fall outside the “perfect” profile will be charged more money and ends up with business not being written. The ads say “customers that switch” not “everybody who quotes” save that kind of money. That’s the way insurance companies can state the savings.

That is why drivers should compare many company’s rates. It’s just too difficult to predict the company that will give you the biggest savings on Chevy Sonic insurance.

Take discounts and save

The price of auto insurance can be rather high, but companies offer discounts to reduce the price significantly. A few discounts will automatically apply when you quote, but a few need to be manually applied before they will apply. If they aren’t giving you every credit available, you are throwing money away.

  • Payment Discounts – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Government Employees – Active or retired federal employment can save as much as 8% for Sonic coverage depending on your company.
  • Accident Forgiveness – Some insurance companies will forgive one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Sign Early and Save – A few companies offer discounts for switching policies before your current expiration date. It can save you around 10%.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Safe Drivers – Safe drivers can pay as much as 50% less for Sonic coverage than their less cautious counterparts.
  • Auto/Life Discount – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.

Drivers should understand that most discount credits are not given to the entire cost. The majority will only reduce individual premiums such as liability and collision coverage. Just because it seems like you can get free auto insurance, it just doesn’t work that way. But all discounts will help reduce the cost of coverage.

Car insurance companies that may have some of the above discounts are:

Before buying, ask every prospective company which discounts you may be entitled to. Discounts may not apply in every state.

Which policy gives me the best coverage?

When it comes to choosing coverage for your personal vehicles, there really is no cookie cutter policy. Each situation is unique so your insurance should reflect that For example, these questions can help discover whether you would benefit from professional advice.

  • When can my company non-renew my policy?
  • Does my 2015 Chevy Sonic qualify for pleasure use?
  • When should my teen driver be added to my policy?
  • What is high-risk coverage and where do I buy it?
  • What are the financial responsibility laws in my state?
  • What is the rate difference between pleasure use and commuting?
  • Do I have coverage for damage caused while driving under the influence?
  • Why is insurance for a teen driver so high?
  • Is my 2015 Chevy Sonic covered for flood damage?
  • Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Car insurance 101

Knowing the specifics of auto insurance can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are typical coverages offered by auto insurance companies.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

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. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for liability

Liability coverage provides protection from damage or injury you incur to other’s property or people. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like bail bonds, attorney fees, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses like pain medications, hospital visits and chiropractic care. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as fire damage, a broken windshield, theft and falling objects. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as scraping a guard rail, rolling your car, crashing into a building, damaging your car on a curb and backing into a parked car. 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 in order to get cheaper collision rates.

Summing up your auto insurance search

Cheaper 2015 Chevy Sonic insurance can be sourced on the web and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

When you buy insurance online, it’s not a good idea to reduce needed coverages to save money. There are many occasions where an insured cut liability coverage limits to discover at claim time they didn’t have enough coverage. The ultimate goal is to get the best coverage possible at the best price, not the least amount of coverage.

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