Cheapest 2012 Chevrolet Sonic Insurance Rates in 2023
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UPDATED: Aug 23, 2022
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Want lower insurance rates for your Chevrolet Sonic? Did you fall for a flashy sales pitch and buy high-priced insurance? Believe me, you are not the only one feeling buyer’s remorse.
With consumers having so many insurance companies to choose from, it’s difficult to choose the lowest cost provider.
Don’t miss out on these money-saving discounts
Companies offering auto insurance don’t always publicize all available discounts in a way that’s easy to find, so we researched some of the more common as well as the least known discounts you could be receiving.
- Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
- Auto/Life Discount – Companies who offer life insurance give better rates if you take out life insurance.
- Good Student Discount – Getting good grades can earn a discount of 20% or more. The good student discount can last up until you turn 25.
- New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
- Own a Home – Owning a house may trigger a car insurance policy discount due to the fact that maintaining a home requires personal responsibility.
- Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off your medical payments premium.
Drivers should understand that some of the credits will not apply to the entire policy premium. A few only apply to individual premiums such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way.
Companies that possibly offer some of the above discounts may include but are not limited to:
Check with all companies you are considering how you can save money. All car insurance discounts might not be offered in every state.
The easiest way to compare car insurance company rates utilizes the fact most of the bigger providers allow for online access to give free rates quotes. All you need to do is provide information including your occupation, distance driven, driver ages, and if the vehicle is leased. Your rating data is instantly provided to many of the top insurers and they respond with quotes very quickly.
To start a rate quote now, click here and complete the form.
Pieces of the Chevy Sonic insurance rate puzzle
It’s important that you understand the factors that help determine insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that could result in better insurance rates.
The following are a partial list of the pieces that factor into premiums.
- Lower miles equals lower premium – The higher the mileage driven in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage based on how the vehicle is used. Autos that are left in the garage qualify for better rates than those used for commuting. Verify your insurance declarations sheet properly reflects the correct usage for each vehicle. Incorrect usage on your Sonic may be wasting your money.
- Rates may be higher depending on your occupation – Did you know that where you work can have an impact on rates? Occupations like doctors, executives and accountants tend to have higher rates than average in part from job stress and lots of time spent at work. On the flip side, occupations such as farmers, athletes and performers receive lower rates on Sonic coverage.
- Your spouse saves you money – Getting married helps lower the price on insurance. It usually means you are more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
- Optional equipment can affect rates – Driving a car that has an advanced theft prevention system can help lower your rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
- Credit scores impact insurance rates – Credit score is a large factor in determining what you pay for insurance. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have lower ratings. Therefore, if your credit is low, you could pay less to insure your 2012 Chevrolet Sonic by improving your rating.
- Don’t buy coverages you don’t need – There are quite a few extra coverages that you can buy on your insurance policy. Coverages like vanishing deductibles, towing coverage and membership fees are some examples. They may seem good when you first buy your policy, but your needs may have changed so get rid of them and save.
- Where you reside plays a part – Choosing to live in small towns and rural areas can be a good thing when insuring your vehicles. Fewer people means fewer accidents. Drivers in populated areas regularly have much more traffic to deal with and longer commutes to work. Higher commute times means more change of being in an accident.
Do I need special coverages?
When choosing the right insurance coverage for your vehicles, there really is no perfect coverage plan. Every situation is different so this has to be addressed. These are some specific questions can help discover whether or not you may require specific advice.
- What is an SR-22 filing?
- Does my 2012 Chevy Sonic qualify for pleasure use?
- Can I rate high risk drivers on liability-only vehicles?
- Can I get a multi-policy discount?
- Should I have combined single limit or split liability limits?
- Are there companies who specialize in insuring high-risk drivers?
- Do I have coverage when making deliveries for my home business?
- What if I owe more than I can insure my car for?
- Do I have coverage for damage caused while driving under the influence?
- Is my vehicle covered by my employer’s policy when using it for work?
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.
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Misconceptions in auto insurance advertisements
Progressive, Allstate and GEICO regularly use television and radio advertisements. All the companies make an identical promise of big savings if you move your policy. How do they all make almost identical claims? It’s all in the numbers.
Different companies have a certain “appetite” for the driver they prefer to insure. An example of a driver they prefer could possibly be between 25 and 40, owns a home, and has excellent credit. Any driver who fits that profile receives the best rates and therefore will cut their rates substantially.
Drivers who don’t measure up to this ideal profile must pay higher prices and this can result in business not being written. Company advertisements say “people who switch” not “people who quote” save that kind of money. That’s the way companies can claim big savings. This illustrates why you absolutely need to quote coverage with many companies. It’s impossible to know the company that will fit your personal profile best.
Auto insurance coverage information
Knowing the specifics of insurance can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from insurance companies.
Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things such as hitting a mailbox, colliding with a tree, rolling your car and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
Coverage for liability
This coverage protects you from injuries or damage you cause to people or other property. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged property.
Liability coverage pays for claims such as loss of income, attorney fees, repair bills for other people’s vehicles, emergency aid and medical services. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage kick in for bills like dental work, doctor visits, funeral costs and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Comprehensive auto coverage
Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like a broken windshield, damage from getting keyed and hitting a bird. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
UM/UIM (Uninsured/Underinsured Motorist) 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. Covered claims include hospital bills for your injuries and also any damage incurred to your Chevy Sonic.
Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.
Shop around and save
Low-cost 2012 Chevy Sonic insurance can be found online in addition to many insurance agents, and you should be comparing both to get a complete price analysis. Some insurance coverage companies do not provide online price quotes and these small insurance companies work with independent agents.
When buying insurance coverage, never reduce coverage to reduce premium. There have been many cases where an insured dropped uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage for the lowest price while still protecting your assets.
More information can be read at the links below
- Side Impact Crash Tests (iihs.org)
- Auto Insurance Basics (Insurance Information Insitute)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
- Distracted Driving (Insurance Information Insitute)
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