Lower Your 2020 Chevrolet Sonic Insurance Rates in 2024

Trying to find the cheapest auto insurance rates for your Chevrolet Sonic? Searching for the cheapest insurance for your Chevy Sonic can normally be a painful process, but you can learn a few tricks to make it easier.

There are both good and bad ways to find auto insurance online so we’re going to tell you the best way to price shop coverage for a new or used Chevy and find the best price possible either online or from local insurance agents.

Consumers should take time to quote other rates once or twice a year since insurance rates change regularly. If you had the best premium rates on Sonic coverage on your last policy a different company probably has better prices today. Forget anything you know (or think you know) about auto insurance because I’m going to teach you the fastest and easiest way to find better rates and still maintain coverage.

How to lower your car insurance cost

Getting a cheaper price on 2020 Chevy Sonic insurance can be quick and easy. The only thing you need to do is take time to compare rate quotes provided by online insurance companies. Rate comparisons can be done in just a few minutes using one of these methods.

1. The most efficient way to compare a lot of rates at once would be an industry-wide quote request form. This method keeps you from doing a different quote for each company you want a rate for. Completing one form gets prices estimates direct from many companies. It’s the fastest way to compare.
2. A harder way to find lower rates is to manually visit each company website and fill out a new quote form. For instance, we’ll pretend you want to view quotes from USAA, Liberty Mutual and Travelers. To find out each rate you need to take the time to go to each site and punch in your information repeatedly, which can take a lot of time.
3. The most difficult method of getting rate comparisons is to spend time driving to different agent offices. Comparing online rate quotes eliminates the need for an insurance agent unless you’re the type of person who wants the advice and guidance that only a licensed agent can provide. If you prefer, some companies allow you to obtain prices from the web but still have the advice of a local agent.

Compare rates however you want, just be sure to compare the exact same coverage limits for each quote you get. If you have different values for each quote it will be impossible to determine which rate is truly the best.

Auto insurance advertisements

Consumers can’t escape the ads that promise big savings from companies such as Allstate and Progressive. They all seem to advertise claims about how much you will save if you get a free car insurance quote and switch your policy.

It sounds good, but how can they all have lower policy pricing? It’s all in the numbers.

Most companies have specific guidelines for the type of driver that will not have excessive claims. One example of this type of driver should be between the ages of 30 and 45, carries full coverage, and drives a vehicle with a low ISO rating. Any person that meets those criteria will get the preferred rates and will probably cut their rates if they switch.

Potential insureds who are not a match for the ideal profile may be forced to pay a more expensive rate which translates to the driver buying from a lower-cost company. The trick is to say “customers who switch” but not “all drivers who get quotes” save that much when switching. That is how companies can truthfully make claims that they all have the best premium rates.

Because every company is different, it’s extremely important to compare as many free car insurance quotes as you can. It is just not possible to predict with any certainty which company will have the best car insurance rates at this point in time.

Find discounts to get cheap auto insurance quotes

Buying auto insurance is not cheap, but you might already qualify for some discounts that can help lower your rates. Some discounts apply automatically at the time of purchase, but lesser-known reductions have to be manually applied before you will receive the discount.

• Discount for Life Insurance – Select insurance carriers reward you with a discounted rate on car insurance if you buy some life insurance too.
• Use Seat Belts – Using a seat belt and requiring all passengers to buckle up before driving could save 15% on medical payment and PIP coverage.
• Defensive Driver Discounts – Participating in a defensive driving course can save you 5% or more if your company offers it.
• Full Payment Discount – By paying your policy upfront rather than paying in monthly installments you can avoid monthly service charges.
• Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more on Sonic coverage compared to rates paid by drivers with frequent claims.
• Memberships – Having an affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates on your next auto insurance statement.
• Student in College – Older children who live away from home at college and do not have a car may be able to be covered for less.

Keep in mind that some credits don’t apply to the overall cost of the policy. A few only apply to individual premiums such as medical payments or collision. Even though the math looks like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Large auto insurance companies and a partial list of their discounts can be found below.

• State Farm discounts include multiple policy, defensive driving training, passive restraint, good driver, and Steer Clear safe driver discount.
• Progressive may include discounts for good student, homeowner, continuous coverage, online quote discount, multi-vehicle, multi-policy, and online signing.
• Progressive has discounts for homeowner, online quote discount, continuous coverage, online signing, multi-policy, and good student.
• MetLife has savings for good student, good driver, defensive driver, claim-free, accident-free, multi-policy
• Farm Bureau may offer discounts for youthful driver, multi-vehicle, multi-policy, good student, and driver training.
• GEICO offers premium reductions for federal employee, seat belt use, anti-lock brakes, good student, membership and employees, multi-vehicle, and multi-policy.
• SAFECO offers discounts for anti-theft, bundle discounts, safe driver, drive less, and teen safety rewards.

If you need inexpensive car insurance quotes, ask all the companies which discounts they offer. Some discounts may not apply in your area. To view insurers who offer discounts, enter your zip code here.

Tailor your auto insurance coverage to you

When it comes to choosing coverage, there really is not a perfect coverage plan. Each situation is unique.

Here are some questions about coverages that might point out whether you may require specific advice.

• Does my insurance cover my expensive audio equipment?
• Do I need roadside assistance coverage?
• Is borrowed equipment or tools covered if stolen or damaged?
• Can I get a multi-policy discount?
• Should I buy full coverage?
• What are the best liability limits?
• Do all my vehicles need collision coverage?
• I have a DUI can I still get coverage?
• Are there companies who specialize in insuring high-risk drivers?
• How can I get my company to pay me more for my totalled car?

If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, complete your zip code. It’s fast, free and you can get the answers you need.

Auto insurance coverage information

Learning about specific coverages of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Coverage for medical payments – Med pay and PIP coverage pay for bills like surgery, funeral costs, prosthetic devices, doctor visits and EMT expenses. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Uninsured and underinsured coverage – This gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages do not exceed the liability coverage limits.

Comprehensive coverages – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, hitting a bird and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverages – Collision insurance covers damage to your Sonic caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as damaging your car on a curb, sideswiping another vehicle and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Coverage for liability – This protects you from damage that occurs to other’s property or people that is your fault. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things like medical services, structural damage, legal defense fees, attorney fees and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Save your cold hard cash

The cheapest 2020 Chevy Sonic insurance can be sourced online in addition to local insurance agencies, so you need to shop car insurance with both to have the best chance of lowering rates. Some insurance companies may not have rates over the internet and these smaller providers only sell coverage through independent agents.

As you shop your coverage around, do not skimp on critical coverages to save a buck or two. In too many instances, an insured dropped uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your objective should be to purchase a proper amount of coverage for the lowest price, but don’t skip important coverages to save money.

We just showed you a lot of techniques to get a better price on 2020 Chevy Sonic insurance. The key thing to remember is the more price quotes you have, the better your comparison will be. Drivers may discover the lowest premium rates are with a small mutual company.