2016 Chevrolet Spark EV Car Insurance Quotes – 8 Ways to Save

Purchasing the lowest cost insurance may at first seem to be rather challenging for consumers who are new to buying insurance on the web. With such a large number of agents and companies competing online, how can consumers possibly compare all the different companies and get the cheapest price possible?

If you currently have car insurance, you should be able to cut costs considerably using this information. The purpose of this post is to instruct you on the most effective way to quote insurance and some tips to save money. Although drivers must comprehend how big insurance companies determine prices and use this information to your advantage.

Affordable insurance

There are several ways to obtain and compare prices from many available insurance companies in your state. The recommended way to do a complete rate comparison consists of shopping online. This can be accomplished in a couple minutes as outlined below.

The best way consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This quick form saves time by eliminating separate forms for every insurance company. In just a few minutes this one form gets you coverage quotes from many national carriers. It’s definitely the quickest method.

A less efficient way to shop for insurance online consists of visiting the website for every company you want to comare to request a price quote. For example, we’ll pretend you want to compare rates from Auto-Owners, Esurance and GEICO. To get rate quotes you would need to visit each site to input your insurance information, and that’s why the first method is more popular.

To view a list of companies in your area, click here.

The most difficult way to find and compare rates to each insurance agency near you. The fact that you can get quotes online makes this process obsolete unless you’re the type of person who wants the extra assistance only provided by licensed agents. It is possible with some companies compare the best prices online but buy the policy through an agent.

It doesn’t matter which method you choose, just ensure you’re using nearly identical coverages on every quote. If you use different coverage information you can’t possibly get a fair rate comparison. Having just a slight variation in insurance coverages could mean much higher rates. And when quoting insurance, remember that obtaining a wide range of quotes will increase your chances of finding more affordable rates.

Auto insurance discounts help slash rates

Some insurance providers don’t necessarily list every disount available in a way that’s easy to find, so the list below gives a summary of some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy car insurance online.

• Senior Citizen Rates – Drivers over the age of 55 can possibly qualify for better auto insurance rates for Spark EV coverage.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course in school.
• Discount for Good Grades – Getting good grades can get you a discount of up to 25%. Many companies even apply the discount to college students well after school through age 25.
• Early Signing – Some auto insurance companies reward drivers for buying a new policy prior to the expiration date on your current policy. It’s a savings of about 10%.
• Passive Restraints – Cars that have air bags or motorized seat belts may earn rate discounts of 20 to 30 percent.
• Government Employee Discount – Employees or retirees of the government can earn a discount up to 10% for Spark EV coverage depending on your company.
• Seat Belts Save – Drivers who require all vehicle occupants to use their safety belts could cut 10% or more off the medical payments premium.
• Discount for New Cars – Putting insurance on a new car can save up to 30% since new model year vehicles have better safety ratings.

Drivers should understand that most discount credits are not given the the whole policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that it’s possible to get free car insurance, that’s just not realistic.

Companies and their possible discounts are included below.

• GEICO may have discounts that include driver training, multi-policy, anti-lock brakes, federal employee, good student, military active duty, and air bags.
• SAFECO has discounts for safe driver, drive less, multi-car, anti-theft, and homeowner.
• State Farm has savings for Drive Safe & Save, passive restraint, defensive driving training, good driver, anti-theft, and Steer Clear safe driver discount.
• MetLife includes discounts for accident-free, defensive driver, good student, claim-free, and multi-policy.
• 21st Century offers discounts for automatic seat belts, student driver, anti-lock brakes, homeowners, defensive driver, and air bags.
• Progressive policyholders can earn discounts including multi-policy, continuous coverage, online signing, online quote discount, multi-vehicle, and good student.

Before purchasing a policy, check with every insurance company which credits you are entitled to. Savings may not apply to policyholders in your area. To see a list of insurance companies with discount auto insurance rates, click here to view.

Which is the best auto insurance?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different.

For example, these questions can help discover if your insurance needs may require specific advice.

• Am I insured when driving a different vehicle?
• Is my teen driver covered when they drive my company car?
• Do I pay less for low miles?
• Why does it cost so much to insure a teen driver?
• What is no-fault insurance?
• Do I get a pro-rated refund if I cancel my policy early?
• Is my custom paint covered by insurance?
• Does my policy pay for OEM or aftermarket parts?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form.

Specifics of your insurance policy

Learning about specific coverages of your insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers – This coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, damage from getting keyed, hitting a bird, a broken windshield and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage pays for damage to your Spark EV resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like backing into a parked car, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for bills like rehabilitation expenses, EMT expenses and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability – This coverage provides protection from damages or injuries you inflict on people or other property. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against things like repair bills for other people’s vehicles, pain and suffering, structural damage, repair costs for stationary objects and medical services. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.