2013 Chevrolet Spark Insurance Quotes

Trying to find better car insurance rates for your Chevrolet Spark? Trying to come up with a payment for pricey car insurance can stress out your checking account, especially in this economy. Doing a price comparison is free and is an excellent way to slash your bill and have more diposable income.

Since people have many online and local companies to choose from, it’s difficult to find a more affordable insurer.

Take advantage of every car insurance discount

Not many people think insurance is cheap, but there could be significant discounts that can drop the cost substantially. Some of these disounts will be visible when you get a quote, but occassionally some discounts must be requested specifically in order for you to get them.

  • Organization Discounts – Being a member of specific professional or occupational memberships or organizations could earn you a nice discount on your policy.
  • New Car Discount – Buying insurance coverage on a new vehicle is cheaper compared to insuring an older model.
  • Good Grades Discount – A discount for being a good student could provide a savings of up to 20% or more. The good student discount can last up until you turn 25.
  • Defensive Driver Discounts – Taking a course teaching defensive driver skills could cut 5% off your bill and also improve your driving technique.
  • Responsible Driver Discounts – Drivers who avoid accidents can get discounts for up to 45% lower rates for Spark coverage than less cautious drivers.
  • Own a Home – Owning your own home or condo can save a few bucks because it requires a higher level of personal finance.
  • Service Members Pay Less – Having an actively deployed family member can result in better prices.
  • Anti-theft System – Vehicles optioned with advanced anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Low Miles Discount – Fewer annual miles on your Chevy could be rewarded with slightly better prices than normal.

You should keep in mind that most discount credits are not given to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, that’s just not realistic.

A list of car insurance companies and their possible discounts can be found below.

  • State Farm includes discounts for accident-free, defensive driving training, Drive Safe & Save, multiple autos, good student, and Steer Clear safe driver discount.
  • American Family has savings for TimeAway discount, defensive driver, multi-vehicle, accident-free, and mySafetyValet.
  • AAA offers premium reductions for good student, anti-theft, pay-in-full, multi-policy, good driver, multi-car, and education and occupation.
  • GEICO has discounts for emergency military deployment, federal employee, driver training, seat belt use, five-year accident-free, good student, and anti-theft.
  • Mercury Insurance offers discounts including professional/association, type of vehicle, ease of repair, accident-free, annual mileage, age of vehicle, and multi-car.
  • Farmers Insurance discounts include business and professional, youthful driver, switch companies, mature driver, pay in full, homeowner, and good student.
  • Progressive policyholders can earn discounts including good student, multi-policy, multi-vehicle, homeowner, continuous coverage, online quote discount, and online signing.

When comparing rates, check with all the companies which credits you are entitled to. Savings may not be available in your state.

How to know if you need help

When it comes to buying coverage, there really is not a perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if you might need an agent’s assistance.

  • Do I need more liability coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered when driving a rental car?
  • Should I buy additional glass protection?
  • Do I have coverage when using my vehicle for my home business?
  • Why is insurance for a teen driver so high?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is rental equipment covered for theft or damage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does coverage extend to Mexico or Canada?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Can you really save if you switch?

Insurance coverage companies such as State Farm, Allstate and GEICO constantly bombard you with ads in print and on television. All the companies tend to make the same promise about savings if you move to their company. How do they all say the same thing? It’s all in the words they use.

Insurance coverage companies require specific criteria for the right customer that will not have excessive claims. For instance, this type of risk profile could be between 25 and 40, owns a home, and the vehicle is rated for pleasure use. A customer who fits that profile will qualify for the lowest car insurance rates and will probably save a lot if they switch.

Consumers who are not a match for this stringent profile will be charged a more expensive rate which results in business not being written. Company advertisements say “drivers who switch” but not “everyone who gets a quote” will save that much if they switch. That’s the way companies can make claims like that.

That is why drivers must compare as many free auto insurance quotes as you can. It’s not possible to predict which insurance companies will give you lower prices than your current company.

Car insurance 101

Learning about specific coverages of auto insurance can help you determine the right coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on most auto insurance policies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from getting keyed, damage from a tornado or hurricane, a tree branch falling on your vehicle, hitting a bird and fire damage. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2013 Chevy Spark.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for doctor visits, chiropractic care and ambulance fees. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision coverage

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

Collision coverage protects against claims such as crashing into a ditch, crashing into a building, colliding with a tree, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Liability car insurance

This provides protection from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims like attorney fees, structural damage, legal defense fees and medical services. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

One last thing

You just learned quite a bit of information on how to save on 2013 Chevy Spark insurance. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from the least-expected company. These companies may often insure only within specific states and give getter rates than their larger competitors like Allstate, GEICO and Progressive.

When trying to cut insurance costs, it’s not a good idea to buy poor coverage just to save money. There have been many situations where drivers have reduced physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

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