Lower Your 2016 Chevrolet Sonic Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 30, 2024

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Looking for cheaper insurance coverage rates for your Chevrolet Sonic? If you are new to getting insurance quotes online, there’s a good chance you are bewildered by the vast number of insurance coverage companies who all claim to have the lowest rates.

You need to compare prices at least once a year because prices change quite often. Even if you think you had the best deal for Sonic coverage a few years ago there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about insurance coverage because you’re going to get a crash course in how to use online quotes to find better rates and still maintain coverage.

Choosing the best insurance company for you is not that difficult. If you are paying for car insurance now, you should be able to reduce your rates substantially using these techniques. Nevertheless, drivers need to learn how the larger insurance companies market insurance on the web and take advantage of how the system works.

Take advantage of every insurance coverage discount

Insurance coverage is neither fun to buy or cheap, but companies offer discounts to help offset the cost. A few discounts will be applied when you purchase, but some discounts are required to be specifically requested in order for you to get them.

  • No Accidents – Claim-free drivers can save substantially as opposed to drivers with a long claim history.
  • Multi-car Discount – Buying a policy with multiple cars or trucks on one policy can reduce the rates for all insured vehicles.
  • Distant College Student Discount – Children who live away from home to go to college and do not take a car to college could qualify for this discount.
  • Drive Less and Save – Keeping the miles down on your Chevy can earn substantially lower prices.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Accident Waiver – Not necessarily a discount, but companies like Allstate and Progressive allow you one accident before your rates go up if you have no claims for a certain period of time.
  • Clubs and Organizations – Affiliation with a qualifying organization could earn you a nice discount on your next renewal.

Discounts lower rates, but most of the big mark downs will not be given to the entire cost. Most only cut specific coverage prices like collision or personal injury protection. So even though you would think you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

A few of the larger companies and a partial list of their discounts can be found below.

  • State Farm may have discounts that include passive restraint, good student, good driver, defensive driving training, student away at school, multiple autos, and Steer Clear safe driver discount.
  • Nationwide offers discounts for anti-theft, multi-policy, easy pay, business or organization, and family plan.
  • GEICO policyholders can earn discounts including military active duty, seat belt use, multi-vehicle, air bags, federal employee, anti-lock brakes, and five-year accident-free.
  • AAA offers premium reductions for education and occupation, pay-in-full, multi-car, AAA membership discount, and good driver.
  • 21st Century includes discounts for defensive driver, teen driver, theft prevention, driver training, 55 and older, and automatic seat belts.
  • The Hartford offers discounts including driver training, vehicle fuel type, defensive driver, anti-theft, good student, bundle, and air bag.

Double check with all companies you are considering what discounts are available to you. Some of the earlier mentioned discounts might not be offered on policies everywhere. If you would like to view insurance companies that provide some of the discounts listed above, enter your zip code here.

How to compare auto insurance price quotes

All major auto insurance companies such as State Farm and Allstate give prices for coverage on the web. Comparing prices online is quite simple because you just enter your coverage information on the page. Upon sending the form, the company’s rating system automatically orders your credit score and driving record and generates pricing information determined by many factors.

Online quotes makes comparing rates easy, but the process of having to visit several different sites and fill out multiple forms is a big time waster. But it’s very important to perform this step if you want to find a better rate.

The preferred way to find cheaper rates requires only one form that obtains quotes from multiple companies. The form is fast, eliminates repetitive work, and makes rate comparisons a little more enjoyable. Immediately after you send the form, it is quoted and you can select any or none of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. This process takes 15 minutes at the most and you will know how your current rates stack up.

To find out how much you’re overpaying now, simply enter your zip code here and submit the form. If you currently have coverage, we recommend you replicate the coverages just like they are on your policy. This makes sure you will receive a price comparison based on the exact same insurance coverage.

How to know if you need help

When it comes to choosing adequate coverage for your personal vehicles, there is no single plan that fits everyone. Each situation is unique.

For example, these questions might help in determining whether you could use an agent’s help.

  • Is my ex-spouse still covered by my policy?
  • When can I cancel my policy?
  • How much liability insurance is required?
  • Am I covered if I break a side mirror?
  • Does coverage extend to Mexico or Canada?
  • Am I better off with higher deductibles on my 2016 Chevy Sonic?
  • Does my medical payments coverage pay my health insurance deductible?
  • Will my insurance pay for OEM parts?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete your zip code.

Car insurance 101

Understanding the coverages of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, vandalism, hail damage and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Sonic.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage

This coverage pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like damaging your car on a curb, rolling your car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Auto liability

This coverage will cover damage or injury you incur to people or other property in an accident. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like medical expenses, loss of income, attorney fees and bail bonds. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like funeral costs, hospital visits, rehabilitation expenses, pain medications and surgery. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

One last thing about your coverage

When getting insurance quotes online, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, an insured cut uninsured motorist or liability limits and learned later that it was a big error on their part. Your goal should be to buy the best coverage you can find at the lowest possible cost, but do not sacrifice coverage to save money.

Consumers leave their current company for any number of reasons including extreme rates for teen drivers, not issuing a premium refund, high prices and even questionable increases in premium. Whatever your reason, switching companies is less work than it seems.

We covered some good ideas how you can lower your 2016 Chevy Sonic insurance car insurance rates. The most important thing to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. Drivers may discover the biggest savings come from a smaller regional carrier.

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