2015 Chevrolet Sonic Insurance Cost – 6 Tricks for Cheapest Prices

Want lower car insurance rates for your Chevrolet Sonic? Did budget coverage turn out to be an underperforming, overpriced car insurance policy? Trust us when we tell you you’re not alone. There is such a variety of auto insurance companies to choose from, and although it’s a good thing to have multiple companies, more choices can make it harder to find the lowest cost provider.

It’s a great practice to do price comparisons once or twice a year because prices go up and down regularly. Just because you found the lowest price on Sonic coverage a year ago the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because you’re about to learn the tricks you need to know to buy cheaper car insurance.

Quote insurance online

Getting a cheap price on 2015 Chevy Sonic insurance is a fairly straight forward process. Just take a few minutes comparing rates from different insurance companies. Rate comparisons can be done using one of these methods.

  1. Probably the best way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This method keeps you from doing separate quote forms for each company. One simple form will get you rate comparisons from all major companies.
  2. A less efficient way to find lower rates consists of visiting the website of each company and go through the quote process again. For instance, let’s say you want to compare rates from Nationwide, GEICO and Farmers. In order to get each rate, you would have to go to every website and type in your information over and over, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The most time-consuming method to do your price quoting is calling or driving to insurance agencies in your area. The ability to quote online has made agencies unnecessary unless you prefer the peace of mind of an agent trained in personal lines coverage. Although, it is possible find lower rates online and get advice from an agent in your area.

It’s your choice how you get your quotes, but try to use nearly identical coverage information for each quote you get. If your comparisons have different liability limits it will be very difficult to truly determine the lowest rate.

Do you qualify for these six discounts?

The price of auto insurance can be rather high, but you may qualify for discounts that you may not know about. Many of these discounts will be applied automatically when you complete an application, but a few must be asked about before you will receive the discount. If they aren’t giving you every credit possible, you could be getting lower rates.

  • Senior Discount – Older drivers are able to get better insurance coverage rates on Sonic coverage.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control have fewer accidents so you can save 10 percent or more.
  • Low Mileage – Low mileage vehicles may enable drivers to earn lower rates due to less chance of an accident.
  • Defensive Driver Discounts – Taking a driver safety course can save you 5% or more if your company offers it.
  • Anti-theft Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and will save you 10% or more.
  • Government Employee Discount – Having worked for a branch of the government can earn a discount up to 10% on Sonic coverage depending on your insurance coverage provider.

Just know that some of the credits will not apply to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. So even though they make it sound like you could get a free insurance coverage policy, companies don’t profit that way.

A few companies that may offer some of the discounts shown above include:

Double check with each company or agent which discounts you may be entitled to. All car insurance discounts might not apply in every state. To see a list of providers that offer multiple discounts, click here.

Don’t assume everyone needs the same car insurance coverage

When it comes to buying the best car insurance coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions may help highlight if you might need an agent’s assistance.

  • How high should my medical payments coverage be?
  • Do I need PIP coverage since I have good health insurance?
  • Is other people’s property covered if stolen from my vehicle?
  • Is my Chevy Sonic covered if I use it for business?
  • Which companies will insure high-risk drivers?
  • Does medical payments coverage apply to all occupants?
  • Should I buy additional glass protection?
  • Is pleasure use cheaper than using my 2015 Chevy Sonic to commute?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverages available on your policy

Having a good grasp of your policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are the normal coverages found on the average auto insurance policy.

Coverage for liability

This coverage will cover injuries or damage you cause to other’s property or people in an accident. 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. Your policy might show policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things like medical services, legal defense fees and loss of income. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Auto collision coverage

Collision insurance covers damage to your Sonic from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with a tree, colliding with another moving vehicle, rolling your car, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chevy Sonic.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive protection

This covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hail damage, damage from a tornado or hurricane, rock chips in glass and hitting a bird. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for expenses such as ambulance fees, nursing services, rehabilitation expenses and pain medications. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage