2013 Chevrolet Sonic Insurance Cost

If you’re new to shopping for car insurance quotes online, you can easily be overwhelmed by the sheer number of companies competing for business.

It’s a great practice to quote other rates periodically because car insurance prices are variable and change quite frequently. If you had the best quotes for Sonic coverage at your last renewal the chances are good that you can find a lower rate today. There is too much inaccurate information about car insurance online, but in just a couple of minutes you can learn some great ways to lower your car insurance premiums.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this strategy. Buying the best coverage is easy if you know what you’re doing. Nevertheless, car owners must learn how companies price online insurance.

Car Insurance Discounts

Auto insurance companies don’t always publicize every possible discount very well, so the list below gives a summary of both well-publicized and also the lesser-known credits that may apply to you.

  • Paperwork-free – Many insurance companies may give you up to $50 for buying your policy on their website.
  • Discounts for Government Workers – Active or former government employment can earn a discount up to 10% for Sonic coverage with a few car insurance companies.
  • Policy Bundle Discount – If you can bundle your home and auto insurance with the same insurance company they may give you a discount of up to 20% and get you cheaper car insurance.
  • Air Bag Discount – Options like air bags may get savings up to 30%.
  • Safe Drivers – Safe drivers can save up to 40% or more on their car insurance quote for Sonic coverage than drivers with accidents.
  • College Student Discount – Children who are enrolled in higher education away from home without a vehicle on campus may qualify for this discount.
  • Homeowners Discount – Owning a home can get you a discount due to the fact that maintaining a home requires personal responsibility.
  • Defensive Driving Course – Taking part in a defensive driving course may get you a small discount and easily recoup the cost of the course.
  • Life Insurance Discount – If the company offers life insurance, you could get lower prices if you buy life insurance from them.

Don’t be surprised that some credits don’t apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will bring down your overall premium however.

A few of the larger companies and some of the premium reductions they offer are outlined below.

  • Farm Bureau offers premium reductions for renewal discount, multi-policy, safe driver, youthful driver, good student, and multi-vehicle.
  • MetLife has savings for good student, defensive driver, claim-free, multi-policy, accident-free, good driver
  • Progressive has discounts for good student, multi-vehicle, continuous coverage, multi-policy, online quote discount, online signing, and homeowner.
  • AAA may have discounts that include good driver, good student, multi-car, education and occupation, anti-theft, pay-in-full, and multi-policy.
  • American Family offers discounts including good student, good driver, mySafetyValet, multi-vehicle, defensive driver, bundled insurance, and early bird.
  • GEICO may include discounts for daytime running lights, membership and employees, multi-policy, military active duty, and emergency military deployment.
  • State Farm policyholders can earn discounts including safe vehicle, Drive Safe & Save, driver’s education, anti-theft, and good student.

Before purchasing a policy, check with each company or agent what discounts are available to you. Some discounts may not apply in every state. To see insurance companies with discount rates, click this link.

The fastest way that we advise to compare insurance rates in your area takes advantage of the fact car insurance companies participate in online systems to give free rates quotes. To get started, all you need to do is provide a little information like the type of vehicles you drive, any included safety features, marital status, and the ages of drivers. The rating information is automatically sent to multiple top-rated companies and they return quotes within a short period of time.

If you wish to get multiple quotes for your Chevy Sonic now, click here and enter your zip code.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions might point out if your insurance needs might need professional guidance.

  • Am I covered if my car is in a flood?
  • Are all vehicle passengers covered by medical payments coverage?
  • What exactly is covered by my policy?
  • How can I force my company to pay a claim?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered if I crash into my own garage door?
  • Does my personal policy cover me when driving out-of-state?
  • When does my teenage driver need to be added to my policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • What is PIP insurance?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form.

Insurance coverage breakdown

Knowing the specifics of insurance helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive insurance – 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 coverage protects against claims such as hitting a deer, damage from a tornado or hurricane, rock chips in glass and hitting a bird. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like rehabilitation expenses, X-ray expenses, pain medications and dental work. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Liability auto insurance – Liability coverage protects you from damage or injury you incur to other people or property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for 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 might see 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.

Liability coverage pays for claims such as structural damage, repair costs for stationary objects, pain and suffering, medical services and loss of income. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Collision – This coverage covers damage to your Sonic resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like scraping a guard rail, rolling your car, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Compare but don’t skimp

We just presented a lot of techniques to shop for 2013 Chevy Sonic insurance online. The key thing to remember is the more providers you compare, the higher your chance of finding cheaper car insurance. Drivers may discover the best auto insurance rates are with some of the smallest insurance companies.

Cost effective 2013 Chevy Sonic insurance is definitely available both online as well as from insurance agents, so you need to shop car insurance with both to get a complete price analysis. There are still a few companies who don’t offer price quotes online and many times these smaller providers only sell through local independent agents.

Consumers change insurance companies for a number of reasons such as unfair underwriting practices, delays in paying claims, not issuing a premium refund or even high prices. It doesn’t matter what your reason, switching car insurance companies is not as difficult as it may seem.

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