Save on 2019 Chevrolet Sonic Insurance Rates in 2024

High-priced insurance can overdraw your monthly budget and put a big crunch on your finances. Doing a rate comparison can lower your rates and help to ensure you are getting the best deal.

Due to the abundance of insurance companies to choose from, it can be impossible to locate the most affordable insurance company.

You should take the time to shop coverage around once or twice a year due to the fact that insurance prices tend to go up over time. Just because you found the lowest rate on Sonic insurance a few years ago there may be better deals available now. Block out anything you think you know about insurance because it’s time to teach you how to use the internet to reduce your cost while increasing coverage.

The most recommended method to compare insurance rates from multiple companies is to know the trick most of the bigger providers pay for the opportunity to give free rates quotes. The only thing you need to do is give them rating details including whether you are married, whether your vehicle is owned or leased, how your vehicles are used, and if you have a valid license. Your rating data is instantly provided to many highly-rated insurers and they return quotes immediately.

Auto insurance policy discounts you can’t miss

Some providers don’t always publicize their entire list of discounts very well, so the following is a list of both well-publicized in addition to some of the lesser obvious ways to save on auto insurance.

• Discount for Multiple Policies – If you have multiple policies with the same company you could earn a discount of over 10 percent off each policy depending on the company.
• E-sign – Certain larger companies may give you up to $50 for signing up online.
• Student in College – who are enrolled in a college that is more than 100 miles from home and do not have a car can receive lower rates.
• Low Mileage – Keeping the miles down on your Chevy can earn substantially lower premium rates.
• Payment Method – If you pay your bill all at once instead of making monthly payments you can avoid the installment charge.
• Senior Discount – If you’re over the age of 55, you may qualify for better auto insurance rates on Sonic insurance.
• One Accident Forgiven – This one is not really a discount per se, but companies like GEICO and Allstate will turn a blind eye to one accident without getting socked with a rate hike with the catch being you have to be claim-free for a specific time period.
• Driver’s Ed – Teen drivers should take driver’s ed class in school or through a local driver safety program.
• Braking Control Discount – Anti-lock brake equipped vehicles have fewer accidents and will save you 10% or more.
• Claim Free – Good drivers with no accidents pay much less when compared to drivers who are more careless.

One last thing about discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way.

Some companies that may offer quotes with these discounts may include but are not limited to:

• Farm Bureau
• MetLife
• Progressive
• AAA
• American Family
• GEICO
• State Farm

When comparing rates, check with each insurance company which discounts you may be entitled to. Depending on the company, some discounts may not be offered in your state. To see auto insurance companies that offer multiple discounts, enter your zip code here.

Lower your insurance rates

Multiple criteria are part of the equation when premium rates are determined. Some are obvious like a motor vehicle report, although some other factors are more obscure like your vehicle usage and annual miles driven.

Shown below are some of the most rate-impacting factors that factor into rates.

• Rates impacted by your city – Choosing to live in less populated areas of the country has definite advantages when buying insurance coverage. City drivers have to deal with more aggressive driving styles and higher rates of accident claims. Less people means fewer accidents.
• Insure car and home with the same company – Some insurance companies afford better rates for people that purchase more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount drivers will still want to compare other insurance prices to help ensure you have the lowest rates.
• Your vocation can affect prices – Did you know your insurance coverage rates can be affected by your occupation? Jobs such as lawyers, social workers and financial analysts tend to have the highest rates attributed to stressful work requirements and lengthy work days. Conversely, professions such as professors, engineers and performers get better rates on Sonic insurance.
• Policy add-ons may be wasting money – There are quite a few extra add-on coverages you can purchase if you aren’t careful. Insurance for vanishing deductibles, high-cost glass coverage, and extra equipment coverage are some examples. They may sound like good ideas when talking to your agent, but now you might not need them so remove them and pocket the money.
• How many miles do you drive? – The more miles you rack up on your Chevy in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers apply a rate based on their usage. Vehicles that do not get driven very much qualify for better rates than cars that get driven a lot. Verify your policy properly reflects the proper vehicle usage, because improper ratings can cost you money. Having an incorrect usage rating on your Sonic may be costing you higher rates.
• Men pay higher premiums – Statistics demonstrate females are less aggressive when driving. It does not mean women are BETTER drivers than men. Both sexes are in accidents in similar percentages, but the men have accidents that have higher claims. Not only that, but men also receive more costly citations like driving under the influence (DUI).

Insurance agents can help

When buying coverage for your personal vehicles, there is no cookie cutter policy. Every situation is different so your insurance should reflect that For example, these questions can help discover whether your personal situation could use an agent’s help.

• Is rental equipment covered for theft or damage?
• Is my teen driver covered when they drive my company car?
• How high should my medical payments coverage be?
• Does my medical payments coverage pay my health insurance deductible?
• Is a new car covered when I drive it off the dealer lot?
• What is the ISO rating for a 2019 Chevy Sonic?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find an agent in your area, fill out your zip code.

Slick advertising tricks that work

Popular auto insurance providers such as State Farm, GEICO and Progressive constantly bombard you with ads on television and other media. They all say the same thing that drivers can save some big amount if you just switch your policy. How is it possible that every company can charge you a lower premium?

Companies have specific criteria for the type of insured that will generate a profit. An example of this type of insured might be married and over the age of 30, has no driving citations, and the vehicle is rated for pleasure use. A customer getting a price quote that fits those parameters will get a cheap rate quote and will most likely save when switching.

Drivers who do not fit the requirements will get higher prices with the end result being the customer buying from a different company. If you listen closely, the ads state “people that switch” not “everybody who quotes” save that much money. That’s why companies can state the savings. This really emphasizes why you need to compare free insurance quotes often. It’s just too difficult to predict with any certainty which company will have the lowest car insurance rates for your situation.

Coverage specifics

Understanding the coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages found on most auto insurance policies.

Auto liability insurance – This coverage will cover damages or injuries you inflict on a person or their property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like medical expenses, funeral expenses, court costs, structural damage and pain and suffering. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Comprehensive coverages – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as theft, a broken windshield, damage from flooding, a tree branch falling on your vehicle and damage from getting keyed. The most 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.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for bills such as pain medications, chiropractic care and nursing services. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Uninsured and underinsured coverage – Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chevy Sonic.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverages – This coverage covers damage to your Sonic caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like scraping a guard rail, hitting a mailbox, driving through your garage door and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Affordable insurance is out there

Cheap 2019 Chevy Sonic insurance can be bought from both online companies and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies may not offer price quotes online and most of the time these small, regional companies provide coverage only through independent insurance agencies.

When trying to cut insurance costs, it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed uninsured motorist or liability limits to discover at claim time that they should have had better coverage. Your goal should be to purchase a proper amount of coverage at the best possible price, but don’t skip important coverages to save money.