Sonnet Car Insurance Review

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Article Contents
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on March 14, 2025

Visit author page
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on March 14, 2025

Visit author page

4 minute read

Article Contents

This page is for informational purposes only. MyChoice is not affiliated with this company.

About Sonnet Car Insurance

Car insurance has been a driving staple for as long as cars have been popular. This has resulted in car insurance getting the reputation of being an expensive chore that frequently leaves drivers out to dry.

However, insurance’s negative reputation is changing due to innovative technological changes. This approach allows drivers to access simple car insurance that is easy to understand, affordably priced, and will reliably handle a claim. One of the leaders in this technology-based approach to car insurance is a company called Sonnet.

How Sonnet’s Customer Reviews Compare to Other Insurance Companies

Insurance
Provider
Company’s
Online Rating
Sonnet3.3/5
Aviva4.4/5
CAA3.0/5
Economical1.6/5
PC4.5/5
Source: Google Reviews, Trustpilot

Why Choose Car Insurance?

Sonnet is a company that is 100% based online. This means that they do not have branch offices that you have to go to to do business. This means that Sonnet can greatly cut costs with them using those savings to offer lower insurance premiums. The company has a website with a mobile-friendly design that makes it easy for drivers to get a quote, pay their premiums, or process a claim.

Sonnet specializes in making insurance policies simple by reducing the technical jargon of most insurance plans. They do this by offering three simple insurance plans designed to give drivers all the coverage they need. These insurance plans are:

  • The Essential
  • The Preferred
  • The Ultimate

These three insurance plans are designed to give drivers coverage that insures the driver, other drivers, and the car. Each one of these three insurance plans features:

  • Liability Coverage
  • Accident Benefits
  • Collision Coverage
  • Comprehensive Coverage
  • Accident Forgiveness

These basic features mean that you will not end with an insurance plan that prevents you from covering the cost of an accident or serious mechanical problem. This makes the insurance coverage offered by Sonnet more beneficial than other low-cost plans that may only offer a set amount of liability coverage.

Sonnet’s two other insurance plans offer increased benefits. Their “Preferred Plan” offers a rental extension bundle. This means that you can have access to a rental car for a significant period of time following an accident or mechanical problem. This means you do not have to rush to fix your car. This makes the stress of betting your car repaired far easier.

Sonnet’s “Ultimate Plan” offers the extended rental bundle “Vroom Services,” and ticket forgiveness. Vroom service is an additional extended warranty that allows you to enjoy the benefits of a warranty for a long period of time. This allows you to avoid expensive repairs or maintenance costs.

Sonnet’s accident and ticket forgiveness programs are valuable features that can help you save money. This is because you do not know when you will be involved in an accident or get a ticket. Accident and ticket forgiveness programs allow you to avoid higher insurance premiums during a stressful time.

These three insurance packages are easy to understand, with each program’s increased benefits being clear. This allows you to pick out the insurance policy you want without having to sort through minor details between dozens of different policies offered by multiple insurance companies.

Sonnet Car Insurance Pros & Cons

Below are some main pros and cons of getting car insurance with Sonnet. These are based on the company’s online reviews.

ProsCons
Competitive Initial RatesRate Increases Over Time
Efficient and Easy
Claims Process
Slower Than Usual
Claims Resolution
Good Customer Service
Experience (Initially)
Difficulty in Resolving
Simple Issues
Backed by Economical,
a Large Insurance Provider
Good Handling of
High-Damage Claims

The History Of Sonnet

Sonnet Insurance was founded in 2016 and is headquartered in Waterloo, Ontario. This location is fitting for this technology-based insurance company as Waterloo is one of Canada’s biggest technology hubs.

The company was founded to offer fast and easy insurance to insuring millennial drivers whom traditional insurance companies are not properly servicing. This includes offering insurance in an entirely online format with easy-to-understand terms.

Economical Insurance owns Sonnet. Economical Insurance is one of the world’s largest insurance providers, founded in 1871. This allows Sonnet to have the funding and experience of an established insurance giant while offering elegant and modern products.

What Other Insurance Products Does Sonnet Offer?

With Auto Insurance, Sonnet provides four types of property insurance and a pet Insurance coverage plan, which are essential for people nowadays.

Sonnet’s standard home insurance coverage encompasses more protections than its major competitors. It includes coverage for liability, dwellings and detached structures, personal belongings, extra expenses, and even identity theft. However, additional coverage is required for certain natural disasters, and there are some limitations on other disaster-related policies. Despite these considerations, Sonnet offers customization options for clients’ policies and various discounts and bundle plans. These features make Sonnet a worthwhile option for your home insurance needs.

Sonnet differentiates itself from most competitors by splitting coverage into two distinct products: one specifically for homeowners and another for landlords, rather than combining both into a single category or omitting landlord-specific policies altogether. This approach allows for focused, stronger coverage plans tailored to the unique needs of each group. While Sonnet’s standard landlord insurance covers narrower areas than their standard home insurance, it includes special coverage plans such as Landlord’s Belonging coverage and Loss of Rental Income coverage. These targeted plans are specifically designed to alleviate financial burdens for landlords, providing significant benefits and protection where it’s most needed.

Sonnet’s condo insurance provides almost identical coverage to standard home insurance, with a few adjustments tailored specifically for condo living. While the home insurance plan includes coverage for dwellings and detached structures, the condo insurance offers specialized coverage for the condo unit. All other features, such as liability, personal belongings, extra expenses, and identity theft, are equally guaranteed across both plans, ensuring comprehensive protection regardless of the type of residence.

Like its home insurance, Sonnet also provides robust standard tenant insurance coverage. This plan comprehensively covers liability, personal belongings, extra expenses, and identity theft, similar to their regular home or condo insurance. Recognizing that tenants do not require dwelling or detached structure coverage, Sonnet has thoughtfully replaced these with Unit Improvement Coverage. This tailored feature ensures that the unique needs of tenants are met, enhancing protection for improvements or alterations made to the rental unit.

Sonnet’s pet insurance product is an excellent option for dog and cat owners. While the coverage is exclusive to these two types of pets, its scope of protection is impressively comprehensive. The plan includes coverage for illness, accidents, surgeries, x-rays and diagnostics, dental care, alternative therapies, behavioral therapy, medications, medical devices, and emergency care. This extensive range of benefits is designed to alleviate pet owners’ financial burdens, ensuring comprehensive health care for their dogs and cats.

Other Sonnet Insurance Products

Sonnet offers several other car insurance products, allowing drivers to bundle their insurance policies. This allows drivers to get a better rate while making paying premiums easier. Sonnet allows drivers to purchase:

  • Homeowner’s Insurance
  • Condo Insurance
  • Tenants’ Insurance
  • Landlord Insurance

Sonnet’s property insurance plans range to properly insure everything from a small apartment to an entire apartment complex. Its simple payment methods make its property insurance plans a good option for people who always want an active insurance policy on their property.

How to Submit a Claim with Sonnet Today

Sonnet makes the process of submitting a claim simple and easy. Sonnet boasts that six hundred agents are ready to take calls at all times, meaning that wait times should be minimal when submitting a claim.

Contact by email

You can contact them at anytime 24/7

Contact by phone

Feel free to contact the team by phone

Website

File a claim by visiting the website

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