Compare 2016 Chevrolet Sonic Car Insurance Quotes

No one rejoices having to buy car insurance, especially when they could get a better deal.

Multiple car insurance companies compete for your insurance dollar, and it can be difficult to compare rates to discover the definitive lowest price

It’s a good idea to do rate comparisons on a regular basis due to the fact that insurance prices trend upward over time. If you had the lowest rates for Sonic insurance a year ago a different company probably has better rate quotes today. You can search a lot of car insurance on the internet, but in a few minutes you can learn some great ideas on how to quit paying high car insurance rates.

How to lower your insurance cost

Comparing insurance rates is a ton of work if you don’t know the most efficient way to do it. You could spend your day talking to local insurance agents in your area, or you can stay home and use the internet to achieve your goal.

All the larger companies are enrolled in a marketplace where prospective buyers submit one quote, and each company then returns a price quote based on that information. This saves time by eliminating quote requests to each company.

To access this free quoting program, click here (opens in new window).

One minor caviat to comparing rates this way is you don’t know exactly which carriers you want to price. So if you prefer to pick from a list of companies to request quotes from, we have a page of low cost insurance companies in your area. View list of insurance companies.

How you compare quotes is your choice, just double check that you are using nearly identical information on every quote. If you have different liability limits it will be impossible to determine the best price for your Chevy Sonic. Even a minor difference in coverage limits can result in a big premium difference. Keep in mind that quoting more increases the change that you will find more affordable insurance. Some companies don’t provide quotes online, so you need to compare rates from those companies as well.

Find hidden discounts to get affordable insurance coverage quotes

Some providers don’t always advertise all available discounts in an easy-to-find place, so we break down both the well known in addition to some of the lesser obvious insurance coverage savings.

  • Low Miles Discount – Driving less could qualify for lower insurance coveragerates on the low mileage vehicles.
  • Resident Student – who are enrolled in a college that is more than 100 miles from home without a vehicle on campus may be insured at a cheaper rate.
  • Discounts for Cautious Drivers – Accident-free drivers may save up to 50% more for Sonic insurance compared to accident prone drivers.
  • Multiple Policy Discount – If you combine your auto and home policies with the same insurance company you may save as much as 10 to 15 percent.
  • Anti-lock Brakes – Cars and trucks with ABS braking systems or traction control prevent accidents and earn discounts up to 10%.
  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.

Discounts save money, but please remember that most discounts do not apply to all coverage premiums. Most cut individual premiums such as medical payments or collision. Even though it appears having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. But any discount should help reduce your policy premiums.

If you would like to choose from a list of insurers with significant discounts, click here.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. For instance, these questions may help highlight if your situation might need professional guidance.

  • Am I better off with higher deductibles on my 2016 Chevy Sonic?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • How high should deductibles be on a 2016 Chevy Sonic?
  • What if I owe more than I can insure my car for?
  • Should I sign the liability waiver when renting a car?
  • Is my dog or cat covered if injured in an accident?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

How you can control Chevy Sonic insurance costs

Lots of factors are part of the calculation when premium rates are determined. Some are pretty understandable such as your driving record, but others are not quite as obvious like your vehicle usage or your vehicle rating.The best way to find cheaper car insurance is to take a look at some of the factors that are used to determine your car insurance rates. If you have some idea of what controls the rates you pay, this enables informed choices that may result in better car insurance rates.

The factors shown below are just a few of the factors used by companies to determine your rates.

  • Guys tend to take more risk – Over time, data shows women tend to be less risk to insure than men. However, don’t assume that females are better drivers. Women and men are in accidents in similar percentages, but the males have costlier accidents. Not only are claims higher, but men receive more costly citations such as reckless driving. Young men ages 16 to 20 are several times more likely to be in an accident so it costs more to insure them.
  • Can a thief steal your car? – Choosing a vehicle with a theft deterrent system can save you a little every year. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft.
  • Premiums are affected by your credit rating – Having a bad credit score can be a huge factor in determining premium rates. Drivers with high credit ratings tend to be better risks to insure than drivers with worse credit. If your credit history can use some improvement, you could be paying less to insure your 2016 Chevrolet Sonic by improving your rating.
  • Save money by raising coverage deductibles – Comp and collision deductibles represent how much money you are required to pay if a covered claim is submitted. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some coverage claims are colliding with a stationary object, damage caused by hail, and having a roll-over accident. The larger the amount you are required to pay out-of-pocket, the lower your rates will be for Sonic insurance.

Does insurance advertising bend the truth?

Big name companies like State Farm, GEICO and Progressive consistently run ads in print and on television. All the companies have a common claim that drivers can save some big amount if you switch your policy. How does every company charge you less for car insurance? This is the way they can do it.

Insurance companies require specific criteria for a prospective insured that is profitable for them. For instance, this type of risk profile may be a mature driver, has other policies, and drives less than 5,000 miles a year. Anybody that hits that “sweet spot” may get the lowest prices and will most likely save money with a new company.

Consumers who do not meet the requirements will see a higher premium which results in the customer not buying. Company advertisements say “customers who switch” not “everyone that quotes” will save that much if they switch. That’s why insurance companies can confidently make claims that they all have the best car insurance rates.

Because every company is different, it’s extremely important to get insurance coverage quotes as often as possible. Because you never know which insurance companies will have the best rates at this point in time.

Car insurance coverage information

Understanding the coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are typical coverages found on the average insurance policy.

Liability coverages – This provides protection from injuries or damage you cause to people or other property. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as pain and suffering, emergency aid, repair bills for other people’s vehicles and medical services. How much coverage you buy is your choice, but consider buying as much as you can afford.

Coverage for uninsured or underinsured drivers – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Chevy Sonic.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are set the same as your liablity limits.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for expenses such as dental work, rehabilitation expenses and funeral costs. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

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

Comprehensive coverage pays for things like fire damage, vandalism, hitting a deer, falling objects and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage – This pays for damage to your Sonic caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Smart shoppers get results

In this article, we presented many ideas to get a better price on 2016 Chevy Sonic insurance. The key thing to remember is the more you quote insurance coverage, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from a small mutual company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as State Farm, GEICO and Nationwide.

Cheaper 2016 Chevy Sonic insurance is available on the web and with local insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers do not provide internet price quotes and many times these small insurance companies only sell coverage through independent insurance agents.

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