2018 Chevrolet Sonic Insurance Rates – 6 Tips to Save

Consumers have a choice when looking for the best price on Chevy Sonic insurance. They can either waste time driving around getting price quotes or use the internet to get rate quotes.

There is a right way and a wrong way to buy auto insurance so you’re going to learn the absolute fastest way to quote coverages for a Chevy and find the best price possible.

How to get insurance coverage rate quotes

There are several ways to compare insurance coverage quotes, but one way is less time-consuming than others. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you could save time and use online quoting to quickly compare rates.

Many companies participate in an industry program that enables customers to enter their policy data once, and at least one company provides a quote based on that information. This prevents consumers from doing quote requests for every insurance coverage company. To get comparison pricing now click here to open in new window.

One minor caviat to using this type of system is that consumers can’t choose which providers to get pricing from. So if you prefer to pick from a list of companies to request quotes from, we have assembled a list of the cheapest insurance coverage companies in your area. Click to view list.

Take whichever approach you prefer, but be sure you’re using exactly the same information with every price quote. If you use higher or lower deductibles you can’t possibly determine which rate is truly the best.

Are you earning every discount?

Insurance can be prohibitively expensive, but you might be missing out on some discounts that may help make it more affordable. Certain credits will be shown when you get a quote, but a few need to be asked about prior to receiving the credit.

  • Discount for Life Insurance – Some insurance carriers give a break if you buy life insurance.
  • Discount for Swiching Early – A few companies offer discounts for switching companies before your current expiration date. You may see this discount when you get insurance coverage quotes online.
  • Responsible Drivers – Accident-free drivers can pay as much as 50% less for Sonic coverage than their less cautious counterparts.
  • Good Students Pay Less – This discount may save you up to 25%. Earning this discount can benefit you well after school through age 25.
  • No Accidents – Insureds who avoid accidents and claims pay less when compared with drivers with a long claim history.
  • Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks on one policy can get a discount for every vehicle.

Keep in mind that some credits don’t apply the the whole policy. Most only cut specific coverage prices like liability and collision coverage. So when it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Some companies who might offer these benefits include:

Double check with each company which discounts can lower your rates. Some discounts may not be offered in every state. To view companies that offer the discounts shown above, click here to view.

When in doubt talk to an agent

When it comes to choosing adequate coverage for your vehicles, there really is not a one size fits all plan. Every situation is different.

These are some specific questions might help in determining whether your personal situation could use an agent’s help.

  • Should I rate my 2018 Chevy Sonic as pleasure use or commute?
  • What is PIP insurance?
  • Is my state a no-fault state?
  • If my pet gets injured in an accident are they covered?
  • Does my 2018 Chevy Sonic need full coverage?
  • Do I need replacement cost coverage?

If you can’t answer these questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

Auto insurance coverages

Understanding the coverages of car insurance helps when choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Coverage for collisions

Collision coverage will pay to fix damage to your Sonic from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like hitting a parking meter, crashing into a building and colliding with a tree. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as pain medications, ambulance fees and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for liability

This coverage protects you from damages or injuries you inflict on a person or their property. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like legal defense fees, loss of income and medical services. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hitting a bird and hail damage. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Save your hard earned cash

We just covered some good ideas how to save on 2018 Chevy Sonic insurance. The most important thing to understand is the more you quote insurance coverage, the higher the chance of saving money. You may even find the biggest savings come from an unexpected company.

Lower-priced insurance can be purchased on the web as well as from insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance companies may not have the ability to get quotes online and most of the time these regional insurance providers work with independent agents.

People leave their current company for any number of reasons including questionable increases in premium, denial of a claim, unfair underwriting practices or even extreme rates for teen drivers. No matter why you want to switch, finding the right insurance provider can be easier than you think.

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