View 2014 Chevrolet Sonic Car Insurance Quotes

Want better car insurance rates for your Chevrolet Sonic? Trying to find better insurance prices for a Chevy Sonic can be a painful process, but you can use a few tricks and make it easy.

There is a better way to shop for car insurance and you need to know the best way to get price quotes for a new or used Chevy and obtain the best price possible from local insurance agents and online providers.

It’s a good habit to check car insurance prices periodically because rates are adjusted regularly by insurance companies. Even if you got the best premium rates for Sonic coverage last year you will most likely find a better price today. You can find a lot of information about car insurance online but by reading this article, you’re going to learn some great ways to put money back in your pocket.

Learn how to quote insurance for less

One of the most helpful ways to save on insurance is to to have a grasp of a few of the rating criteria that aid in calculating the rates you pay for insurance. When consumers understand what positively or negatively impacts your premiums, this allows you to make educated decisions that will entitle you to lower rates.

  • Youthful drivers cost more – Older, more experienced drivers are shown to be more cautious, tend to cause fewer accidents and get fewer tickets.Drivers with little experience are known to be careless and easily distracted when driving and because of this, their insurance rates are much higher.
  • Get hitched and pay less – Walking down the aisle may earn you lower rates on your insurance policy. Having a significant other generally demonstrates drivers are more mature than a single person and statistics prove drivers who are married file infrequent claims.
  • City dwellers may pay more – Being located in small towns and rural areas can save you money when it comes to insurance. Fewer drivers on the road translates into fewer accidents as well as less vandalism and auto theft. Residents of big cities have more auto accidents and higher rates of accident claims. Spending more time driving statistically corresponds to a higher accident and claim rate.
  • Liability protection safeguards assets – The liability coverage on your policy provides coverage if ever a jury decides you are liable for damages from an accident. It provides legal defense which can cost a lot. This coverage is very inexpensive as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
  • Higher prices for policy lapses – Allowing your coverage to lapse is a sure-fire way to pay more for insurance. In addition to paying higher rates, getting caught without coverage could earn you fines or a revoked license.
  • Is car insurance cheaper for males or females? – Statistics demonstrate that females tend to be a little less risky than males. The data does not necessarily mean that men are WORSE drivers than women. Females and males tend to get into auto accidents at about the same rate, but the male of the species cause more damage. Men also tend to have more aggressive citations like DWI (DUI) or reckless driving. Male teenagers tend to get in the most accidents and thus pay the highest rates.

Insurance quotes comparison

Most companies like State Farm, Allstate and GEICO allow consumers to get prices directly from their websites. Doing online price comparisons is quite easy as you just enter the coverages you want as detailed in the form. When complete, their system automatically orders your credit score and driving record and generates pricing information.

Quoting online streamlines rate comparisons, but having to visit different websites and type in your information is repetitive and time-consuming. But it’s also necessary to have as many quotes as possible if you are searching for the lowest price.

There is a better way!

The smarter way to locate the lowest prices uses one form that gets price quotes from several companies at one time. It’s a real time-saver, requires less work, and makes online shopping a lot less work. After your information is entered, your coverage is rated and you are able to buy any or none of the quotes that you receive.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. It just takes a couple of minutes and may result in a nice savings.

If you want to find out what other companies charge, click here to open in a new tab and enter your information. If you have a policy now, it’s recommended you replicate your coverages identical to your current policy. Doing this guarantees you’re receiving an apples-to-apples comparison using the same coverage and limits.

Does insurance coverage advertising bend the truth?

Consumers can’t get away from ads for insurance coverage savings by companies like State Farm, Allstate and GEICO. All the ads advertise the message that you’ll save big after switching your insurance coverage policy to them.

How is it plausible that every one can give you a lower rate?

Insurance companies have specific criteria for the driver that earns them the most money. A good example of a preferred risk should be over the age of 50, owns a home, and insures a new vehicle. A customer getting a price quote who meets those qualifications is entitled to the best price as well as save when switching.

Potential customers who may not quite match this stringent profile will be quoted a more expensive rate and ends up with the customer buying from a different company. The trick is to say “people who switch” not “everyone that quotes” save that much money. That’s why insurance companies can confidently make it sound like they have such great rates.

This really drives home the point why you really need to get a wide range of price quotes. It’s impossible to know which company will have the best prices for your profile.

Save money by taking advantage of discounts

Some insurers don’t list their entire list of discounts very clearly, so the next list breaks down both the well known and the more hidden discounts that you may qualify for.

  • ABS and Traction Control Discounts – Cars and trucks that have anti-lock braking systems can stop better under adverse conditions so companies give up to a 10% discount.
  • Discount for Life Insurance – Select insurance carriers reward you with better auto insurancerates if you take out auto and life insurance together.
  • Discounts for Government Workers – Active or former government employment could qualify for a slight premium decrease for Sonic coverage depending on your auto insurance provider.
  • Claim Free – Insureds with no claims or accidents can earn big discounts as compared to drivers who are more careless.
  • Active Military Service – Having an actively deployed family member can result in better prices.
  • Paperwork-free – Many companies will give a small break for buying a policy and signing up online.
  • Discount for Passive Restraints – Factory air bags or automatic seat belts may qualify for discounts as much as 30%.
  • Safety Restraint Discount – Requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
  • Smart Student Discounts – Maintaining excellent grades may save you up to 25%. The good student discount can last until age 25.
  • Homeowners Discount – Owning your own home or condo can save a few bucks since home ownership is proof of financial responsibility.

Consumers should know that some of the credits will not apply the the whole policy. Most only cut the price of certain insurance coverages like comp or med pay. If you do the math and it seems like you could get a free auto insurance policy, you’re out of luck.

Companies and a partial list of their discounts include:

  • State Farm may have discounts that include multiple policy, passive restraint, Drive Safe & Save, safe vehicle, Steer Clear safe driver discount, and driver’s education.
  • Progressive includes discounts for homeowner, continuous coverage, multi-policy, online signing, good student, multi-vehicle, and online quote discount.
  • Progressive policyholders can earn discounts including multi-policy, homeowner, online quote discount, multi-vehicle, continuous coverage, online signing, and good student.
  • MetLife has savings for defensive driver, accident-free, good student, multi-policy, good driver, claim-free
  • Farm Bureau has discounts for multi-vehicle, multi-policy, youthful driver, renewal discount, safe driver, and driver training.
  • GEICO discounts include seat belt use, daytime running lights, membership and employees, emergency military deployment, air bags, good student, and federal employee.
  • SAFECO may include discounts for homeowner, anti-lock brakes, bundle discounts, anti-theft, multi-car, teen safe driver, and accident prevention training.

If you need cheap insurance coverage quotes, ask all companies you are considering what discounts are available to you. A few discounts might not apply in your area. For a list of insurers with discount auto insurance rates, click here.

How much auto insurance do I need?

When buying proper insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining if your insurance needs might need an agent’s assistance.

  • Do I have coverage when making deliveries for my home business?
  • How can I force my company to pay a claim?
  • What happens if I owe more than my 2014 Chevy Sonic is worth?
  • Is a fancy paint job covered?
  • Exactly who is provided coverage by my policy?
  • Do I have newly-aquired coverage?
  • Am I covered if my car is in a flood?
  • How can I get my company to pay me more for my totalled car?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Auto insurance coverage considerations

Learning about specific coverages of auto insurance aids in choosing the right coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for surgery, prosthetic devices, chiropractic care, doctor visits and nursing services. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a bird, damage from flooding, theft and vandalism. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability

Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things like attorney fees, legal defense fees, repair bills for other people’s vehicles, funeral expenses and pain and suffering. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Collision coverage

Collision coverage will pay to fix damage to your Sonic resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like driving through your garage door, backing into a parked car and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Chevy Sonic.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Smart shoppers get results

When getting insurance coverage quotes online, it’s not a good idea to reduce needed coverages to save money. There have been many situations where an accident victim reduced uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to purchase a proper amount of coverage at the lowest possible cost, but do not skimp to save money.

There are still a few companies who do not offer the ability to get a quote online and these small insurance companies sell through independent agencies. The cheapest 2014 Chevy Sonic insurance can be sourced on the web as well as from independent agents, so you should compare both in order to have the best price selection to choose from.

We’ve covered many tips how you can shop for 2014 Chevy Sonic insurance online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding affordable insurance coverage. Consumers may even find the biggest savings come from a smaller regional carrier.

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