2018 Chevrolet Sonic Insurance Cost in 2024 – 5 Ways to Save

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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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Did a good deal turn out to be an overpriced insurance policy? It’s a common feeling and there are lots of people in the same boat. Many insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive lowest price

If you have insurance now or are shopping for new coverage, you can use these techniques to cut your premiums while maintaining coverages. Finding affordable coverage is not that difficult. Drivers just need to know the tricks to shop online.

Compare free insurance coverage quotes

Performing a rate comparison can be challenging if you don’t understand the most efficient way to do it. You could spend the better part of a day driving to insurance companies in your area, or you could save time and use online quoting to achieve your goal.

All the larger companies belong to an insurance system that allows shoppers to send in one quote, and every company returns a competitive quote for coverage. This system prevents you from having to do quote requests to each individual insurance coverage company.

To find out how much you can save on insurance coverage enter your zip code here.

One minor caveat to doing it this way is you cannot specify the insurers to receive prices from. So if you want to choose individual companies to compare rates, we have a listing of the cheapest insurance coverage companies in your area. Click to enter zip code.

Whichever method you choose, make sure you compare the exact same coverage data for every company. If the quotes have mixed coverages it will be very difficult to determine which rate is truly the best.

Do you qualify for discount insurance?

Some insurance providers don’t necessarily list every available discount in a way that’s easy to find, so we researched both the well known and the more hidden discounts that you can inquire about if you buy insurance online.

  • Payment Method – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Own a Home and Save – Just being a homeowner may earn you a small savings because of the fact that having a home is proof of financial responsibility.
  • Multi-policy Discount – When you have multiple policies with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
  • Anti-lock Brake Discount – Cars equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Club Memberships – Having an affiliation with qualifying employment or professional organizations may earn a discount on your next insurance statement.

Don’t be shocked that most of the big mark downs will not be given to the entire cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that it’s possible to get free car insurance, you won’t be that lucky. But any discount will help lower the amount you pay for coverage.

Insurance companies that may have these benefits include:

  • State Farm
  • Nationwide
  • AAA
  • 21st Century
  • The Hartford

If you want cheap insurance quotes, ask each insurance company which credits you are entitled to. Some discounts might not apply in your area. If you would like to choose from a list of insurance companies with significant discounts, enter your zip code here.

What insurance coverages do I need?

When it comes to choosing coverage, there really is no cookie cutter policy. Every situation is different and your policy should reflect that. Here are some questions about coverages that might point out whether your personal situation might need an agent’s assistance.

  • Should I rate my 2018 Chevy Sonic as pleasure use or commute?
  • Exactly who is provided coverage by my policy?
  • Is my teenager covered with friends in the car?
  • Can I rent a car in Mexico?
  • Should I waive the damage coverage when renting a car?
  • I have a DUI can I still get coverage?
  • Is extra glass coverage worth it?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, fill out your zip code. It only takes a few minutes and you can get the answers you need.

Coverages available on your policy

Having a good grasp of car insurance helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverage types available from car insurance companies.

Comprehensive protection – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, hitting a deer, rock chips in glass and hitting a bird. 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 it’s probably time to drop comprehensive insurance.

Liability auto insurance – Liability coverage provides protection from damage or injury you incur to people or other property that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like repair costs for stationary objects, attorney fees and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for pain medications, dental work and doctor visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Chevy Sonic.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time these limits do not exceed the liability coverage limits.

Collision coverage – Collision coverage covers damage to your Sonic resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like rolling your car, driving through your garage door, colliding with a tree, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

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