Save on 2014 Chevrolet Sonic Car Insurance Rates

Tired of scraping the payment together to insure your Chevy every month? You are in the same boat as millions of other consumers. Drivers have so many insurers to choose from, and though it is a good thing to have a selection, it can be more difficult to find the best rates.

It’s a great practice to price shop coverage once or twice a year since rates are rarely the same from one policy term to another. Even if you think you had the best price for Sonic coverage on your last policy you can probably find a better price now. Starting now, ignore everything you know about auto insurance because I’m going to teach you one of the easiest ways to find better rates and still maintain coverage.

How to Compare Auto Insurance

Getting a cheaper price on 2014 Chevy Sonic insurance can be surprisingly simple. Just spend a little time to get quotes from different insurance companies. This can be accomplished in just a few minutes using one of these methods.

The most efficient way to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This form saves time by eliminating repetitive form submissions to each individual auto insurance company. A single, simple form gets rate comparisons instantly.
A more difficult way to get quotes online is spending the time to visit each company website and request a quote. For instance, let’s assume you want to compare rates from Nationwide, Farmers and Progressive. To find out each rate you need to visit each site to enter your coverage information, which is why the first method is more popular.
To view a list of companies in your area, click here.

However you get your quotes, ensure you’re using exactly the same quote information for every company. If the quotes have different deductibles it will be impossible to find the best deal for your Chevy Sonic.

Lots of discounts mean lots of savings

Companies don’t necessarily list every discount in an easy-to-find place, so here is a list some of the best known and also the lesser-known ways to save on car insurance. If they aren’t giving you every credit possible, you’re paying more than you need to.

Accident Free – Drivers with accident-free driving histories pay less as compared to accident-prone drivers.
Resident Student – Youth drivers who live away from home without a vehicle on campus can be insured at a reduced rate.
Paperless Signup – Certain companies will give a small break simply for signing digitally online.
Sign Early and Save – Some insurance companies reward drivers for switching policies before your current policy expires. It can save you around 10%.
New Vehicle Savings – Adding a new car to your policy can save up to 30% compared to insuring an older model.
Discount for Good Grades – This discount can save 20 to 25%. Earning this discount can benefit you until age 25.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Most cut the price of certain insurance coverages like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way.

Companies that may have these money-saving discounts include:

Before buying, ask all companies you are considering which discounts they offer. Some discounts may not be available everywhere.

Situations that might require an agent

When choosing the best auto insurance coverage for your vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions might help in determining if your insurance needs would benefit from an agent’s advice.

If my 2014 Chevy Sonic is totaled, can I afford another vehicle?
Why is insurance for a teen driver so high?
Can I make deliveries for my home business?
Am I covered by my spouse’s policy after a separation?
Does my medical payments coverage pay my health insurance deductible?
Is my babysitter covered when using my vehicle?
Why am I required to buy liability insurance?
Should I have a commercial auto policy?
I have a DUI can I still get coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.

Information about specific coverages

Learning about specific coverages of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are the usual coverages found on the average insurance policy.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a deer, a broken windshield, hitting a bird, vandalism and damage from flooding. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto collision coverage

Collision insurance covers damage to your Sonic caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with a tree, scraping a guard rail, backing into a parked car, sustaining damage from a pot hole and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Liability coverage

Liability insurance will cover damage or injury you incur to people or other property that is your fault. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for claims like attorney fees, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Chevy Sonic.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as pain medications, surgery and X-ray expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible