2015 Chevrolet Sonic Car Insurance Cost – 8 Ideas for Best Prices

Want the cheapest insurance coverage rates for your Chevrolet Sonic? Finding affordable insurance coverage can be challenging for people who are new to comparison shopping online. Drivers have so many options that it can easily become a big hassle to locate the lowest price.

It’s a good habit to take a look at other company’s rates periodically since insurance rates are rarely the same from one policy term to another. Just because you found the best deal for Sonic coverage a few years ago other companies may now be cheaper. Forget all the misinformation about insurance coverage because you’re about to learn the tricks you need to know to find great coverage at a great price.

Finding affordable auto insurance can be fairly easy. In a nutshell, every driver who buys auto insurance will more than likely be able to reduce their rates. But consumers benefit from understanding how big insurance companies compete online because it can help you find the best coverage.

Insurance Coverage Quote Comparison

Most companies like GEICO, State Farm and Progressive give insurance quotes on the web. The process is fairly straightforward as you just type in your required coverages as requested by the quote form. Upon sending the form, their system will obtain information on your driving record and credit history and returns pricing information.

This makes comparing rates easy, but the time it takes to visit multiple sites and enter the same data into a form is repetitive and time-consuming. But it is imperative to do this in order to find the lowest insurance coverage rates.

There is a better way to compare rates

A less time-consuming method to compare rates makes use of a single form to get prices from several companies at one time. The form is fast, eliminates repetitive work, and makes rate comparisons much simpler. After your information is entered, it is rated and you can choose any one of the pricing results.

If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. The whole process takes just a few minutes to complete and you’ll know if lower rates are available.

To fill out one form to compare multiple rates now, click here to open in new window and submit your coverage information. To compare your current rates, we recommend you type in the coverage information exactly as they are listed on your policy. Doing this assures you will receive a rate comparison using the same coverage and limits.

Discounts to lower 2015 Chevy Sonic insurance rates

Car insurance can cost a lot, but you may find discounts to reduce the price significantly. Some discounts apply automatically at the time of purchase, but some must be inquired about prior to receiving the credit.

  • New Vehicle Savings – Adding a new car to your policy is cheaper compared to insuring an older model.
  • Student in College – Youth drivers who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Multi-policy Discount – When you have multiple policies with one insurance company you could get a discount of 10% to 20% off each policy.
  • Homeowners Savings – Simply owning a home can help you save on insurance coverage because of the fact that having a home is proof that your finances are in order.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. The discount lasts well after school through age 25.

Consumers should know that most credits do not apply to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way. Any qualifying discounts will bring down the cost of coverage.

To see a list of providers with discount insurance coverage rates, follow this link.

Tailor your coverage to you

When it comes to buying coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions might help in determining whether your personal situation will benefit from professional help.

  • Should I have combined single limit or split liability limits?
  • Can I afford to buy a different vehicle if my 2015 Chevy Sonic is totaled?
  • How many claims can I have before being cancelled?
  • Does coverage extend to my business vehicle?
  • Is business equipment covered while in my vehicle?
  • Does my 2015 Chevy Sonic qualify for pleasure use?
  • How much liability coverage do I need in my state?
  • Does coverage extend to Mexico or Canada?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverage breakdown

Learning about specific coverages of auto insurance helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like fire damage, hitting a deer and hail damage. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages

Liability coverage will cover injuries or damage you cause to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as structural damage, repair costs for stationary objects, repair bills for other people’s vehicles, legal defense fees and emergency aid. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for pain medications, surgery, ambulance fees, doctor visits and X-ray expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

This 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 then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a parking meter, crashing into a building, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Chevy Sonic.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently these limits are similar to your liability insurance amounts.

More choices the merrier

The cheapest 2015 Chevy Sonic insurance is attainable from both online companies and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

You just read quite a bit of information on how to compare insurance prices online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Consumers may even find the lowest rates come from an unexpected company.

Drivers leave their current company for many reasons like unfair underwriting practices, high rates after DUI convictions, being labeled a high risk driver or even delays in paying claims. It doesn’t matter what your reason, choosing a new company can be less work than you think.

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