Cheaper 2014 Chevrolet Spark Car Insurance Rates

Buyers have options when searching for low-cost Chevy Spark insurance. You can either waste hours driving around trying to get quotes or leverage the internet to find the lowest rates. There are more efficient ways to shop for insurance coverage so we’re going to tell you the absolute fastest way to compare rates for your Chevy and get the cheapest rates from both online companies and local agents.

Consumers should take time to compare rates quite often since insurance prices are usually higher with each renewal. Just because you found the lowest rate on Spark coverage at your last renewal you may be paying too much now. There are lots of tips to save on insurance coverage out there, but we’re going to give you some of the best ways to lower your insurance coverage rates.

Choosing the best insurance company for you is quite easy. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this strategy. Drivers just need to know how to compare company rates on the web.

Do you qualify for discount car insurance?

Car insurance is not cheap nor is it fun to buy but you may qualify for discounts that can drop the cost substantially. A few discounts will automatically apply when you purchase, but a few need to be inquired about in order for you to get them.

Smart Student Discounts – Performing well in school can be rewarded with saving of up to 25%. The discount lasts up to age 25.
Paperwork-free – Certain larger companies will provide an incentive for buying your policy over the internet.
Early Payment Discounts – By paying your policy upfront rather than spreading payments over time you can avoid monthly service charges.
Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
Discount for Life Insurance – Not all car insurance companies offer life insurance, but some may give you a small discount if you purchase auto and life insurance together.
Telematics Discount – Policyholders that allow their car insurance company to study vehicle usage by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they exhibit good driving behavior.
Defensive Driver Discount – Passing a course teaching defensive driving skills could possibly earn you a 5% discount and make you a better driver.
Student in College – College-age children who live away from home to go to college and do not have access to a covered vehicle may qualify for this discount.
Memberships – Being a member of qualifying clubs or civic groups is a simple method to lower premiums when getting a car insurance quote.
Senior Citizen Discount – If you qualify as a senior citizen, you are able to get a small decrease in premiums on Spark coverage.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, that’s just not realistic.

Some companies who may offer most of the discounts above possibly include:

When quoting, ask each company which discounts can lower your rates. Some discounts listed above may not be available in your area.

The quickest way to compare insurance rates from multiple companies is to understand most of the larger companies allow for online access to give rate comparisons. To begin a comparison, all you need to do is give them rating details such as if the vehicle is leased, whether or not you need a SR-22, how much you drive, and driver details. That rating data is then sent to multiple companies and they provide comparison quotes immediately.

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Learn how to get car insurance more affordably

Smart consumers have a good feel for a few of the rating criteria that aid in calculating the price you pay for car insurance. If you know what impacts premium levels, this helps enable you to make changes that could result in big savings.

The items below are a partial list of the pieces companies use to determine prices.

Do you know your deductibles? – Your deductibles tell how much you are willing to pay out-of-pocket if you file a covered claim. Physical damage protection, also called ‘full coverage’, is used to repair damage to your car. Some coverage claims would be rearending another vehicle, fire damage, or theft of your vehicle. The more you pay before a claim is paid (deductible), the lower your rates will be on Spark coverage.
High credit means lower premiums – Having a bad credit history is likely to be a major factor in calculating your premium rate. If your credit is low, you could pay less to insure your 2014 Chevrolet Spark by improving your credit score. Insureds that have excellent credit scores tend to be more responsible than drivers with lower credit ratings.
Never allow your policy to lapse – Having a gap between insurance policy dates is a quick way to pay more for car insurance. In addition to paying higher premiums, being ticketed for driving with no insurance may earn you a steep fine or even jail time.
Urban areas may pay more – Being located in small towns and rural areas may provide you with better prices when buying car insurance. City drivers tend to have more aggressive driving styles and longer commute times. Fewer people translates into fewer accident claims and lower theft and vandalism rates.

What insurance coverages do I need?

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique.

For example, these questions can aid in determining if your insurance needs would benefit from professional advice.

Do I need to file an SR-22 for a DUI in my state?
Does my medical payments coverage pay my health insurance deductible?
Do I need replacement cost coverage on my 2014 Chevy Spark?
Am I covered when driving a rental car?
Should I drop comprehensive coverage on older vehicles?
Can I afford low physical damage deductibles?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Insurance policy coverages for a Chevy Spark

Knowing the specifics of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Liability

This coverage protects you from damage or injury you incur to a person or their property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as emergency aid, legal defense fees and loss of income. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as nursing services, EMT expenses, doctor visits, X-ray expenses 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 not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Chevy Spark.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Coverage for collisions

This pays for damage to your Spark resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as backing into a parked car, driving through your garage door, sideswiping another vehicle, sustaining damage from a pot hole and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hitting a deer, a broken windshield, damage from a tornado or hurricane and falling objects. The most 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 consider dropping full coverage.

The best insurance company isn’t always the cheapest

People leave their current company for a number of reasons such as unfair underwriting practices, poor customer service, extreme rates for teen drivers or an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a new company is less work than it seems.

Some companies may not have price quotes online and usually these smaller providers work with independent insurance agencies. Lower-priced 2014 Chevy Spark insurance is attainable both online and also from your neighborhood agents, and you should compare rates from both in order to have the best price selection to choose from.

When shopping online for insurance, it’s very important that you do not reduce needed coverages to save money. There are many occasions where an insured dropped physical damage coverage and discovered at claim time that it was a big error on their part. The goal is to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.

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