Cheaper 2017 Chevrolet Spark Car Insurance Quotes

Drivers have a choice when trying to find affordable Chevy Spark insurance. They can either spend hours driving around to compare prices or use the internet to make rate comparisons. There is a right way and a wrong way to shop for auto insurance and you need to know the absolute fastest way to quote coverages for a new or used Chevy and find the lowest price.

It’s a good habit to price shop coverage before your next renewal since prices are adjusted regularly by insurance companies. Even if you think you had the lowest price for Spark coverage a couple years back you will most likely find a better rate quote today. Forget all the misinformation about auto insurance because I’m going to teach you one of the easiest ways to reduce your cost while increasing coverage.

If you have a current car insurance policy or are just looking to switch companies, you can use this information to shop for the lowest rates while maintaining coverages. The purpose of this article is to let you in on the most effective way to quote insurance and some tricks to saving. Drivers just need to know the best way to shop over the internet.

Why smart buyers pay less for Chevy Spark insurance

A large part of saving on insurance coverage is knowing the factors that help calculate insurance coverage rates. When you know what positively or negatively impacts premium levels, this enables you to make decisions that could result in much lower annual insurance costs.

  • Mature drivers save more – Older people are shown to be more cautious, cost insurance companies less in claims and tend to be get fewer driving tickets.Beginning drivers are statistically proven to be careless and easily distracted with other occupants in the car so insurance coverage rates are higher.
  • Job stress can make you pay more – Do you work in a high-stress field? Jobs such as real estate brokers, executives and dentists tend to pay the highest average rates due to high stress and incredibly demanding work hours. On the flip side, jobs like farmers, engineers and performers receive lower rates for Spark coverage.
  • Low comp and collision deductibles cost more – The deductibles you choose state the amount of money you are willing to pay if a covered claim is submitted. Protection for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of covered claims are a windshield broken by a bird, damage from fire, and damage caused by road hazards. The more money the insured is willing to pay, the bigger discount you will receive for Spark coverage.
  • Safer cars lower insurance coverage rates – Vehicles that have high safety ratings tend to have better insurance rates. These vehicles reduce occupant injuries and fewer injuries means your insurance company pays less and thus lower rates.
  • High credit scores save money – An insured’s credit history is likely to be a major factor in determining your rates. People with good credit tend to be better risks to insure as compared to drivers with worse credit. Therefore, if your credit rating can use some improvement, you could pay less to insure your 2017 Chevrolet Spark by improving your credit score.
  • Gender and auto insurance rates – Over the last 30 years, statistics show that females take fewer risks when driving. However, don’t assume that females are better at driving than males. Men and women cause at-fault accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also get ticketed for serious violations like DWI (DUI) or reckless driving.
  • Liability protection limits on your policy – A critical coverage on your policy, liability insurance will protect you when you are found to be at fault for damages caused by your negligence. Your liability coverage provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so drivers should carry high limits.
  • You might want pay the minor insurance coverage claims yourself – If you’re an insured who likes to file claims you shouldn’t be surprised to get either higher rates or even cancellation. Insurance companies award cheaper rates to drivers who do not file claims often. Insurance coverage is intended for more catestrophic claims.

Which car insurance is cheapest?

There are multiple methods to compare car insurance quotes, but there is one way that is more efficient than others. You could waste a few hours discussing policy coverages with agents in your area, or you can stay home and use online quotes for quick rates.

Most of the larger companies are enrolled in a marketplace where prospective buyers complete one form, and every company provides a quote based on the submitted data. This system prevents you from having to do quote forms to every company.

To compare rates using this form now click here (opens in new window).

The one downside to doing it this way is that consumers can’t choose which providers to receive prices from. If you prefer to choose specific providers to compare, we have a page of low cost car insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just be certain you are entering identical coverages and limits with every price quote. If your comparisons have different data it’s impossible to determine which rate is truly the best.

Are you falling for claims of savings?

Drivers can’t get away from all the ads that claim the cheapest prices by State Farm, Allstate and GEICO. They all seem to try to convey promises about savings if you just switch your policy.

It sounds good, but how can they all offer you a better deal? You have to listen carefully.

Insurance companies quote the lowest rates for the type of driver that earns them the highest profit. One example of a profitable customer might be over the age of 50, owns a home, and drives less than 5,000 miles a year. Any person who matches that profile will get very good rates and have a good chance to save when they switch companies.

People who may not quite match the requirements will be quoted more expensive rates and this results in the customer not purchasing. If you pay close attention to the ads, they say “customers that switch” not “everyone who quotes” save money. This is how companies can claim big savings. Because of these techniques, you absolutely need to compare quotes as often as possible. Because without a comparison, you cannot know which company will have the lowest prices for your situation.

Lower-cost insurance coverage rates with discounts

Insurance can cost an arm and a leg, but there could be available discounts to cut the cost considerably. A few discounts will be applied when you complete an application, but some need to be specially asked for before you get the savings.

  • Drivers Ed for Students – Have your child enroll in driver’s education in high school.
  • Accident Forgiveness – This one isn’t a discount, but a few companies such as Progressive, Allstate, and GEICO allow you one accident without getting socked with a rate hike with the catch being you have to be claim-free for a set time period.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle up before driving can save up to 15% off the personal injury premium cost.
  • Club Memberships – Being a member of certain professional organizations could trigger savings on your policy.
  • No Claims – Drivers who stay claim-free have much lower rates when compared with drivers with a long claim history.
  • New Vehicle Savings – Buying a new car instead of a used car can cost up to 25% less because newer vehicles have to meet stringent safety requirements.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears you could get a free insurance coverage policy, you won’t be that lucky.

A list of insurance coverage companies and their possible discounts include:

  • State Farm has discounts for Drive Safe & Save, good driver, multiple policy, safe vehicle, driver’s education, accident-free, and anti-theft.
  • Progressive may include discounts for good student, online signing, homeowner, online quote discount, and multi-vehicle.
  • Progressive policyholders can earn discounts including good student, online quote discount, online signing, continuous coverage, and multi-vehicle.
  • MetLife offers discounts including defensive driver, claim-free, good student, multi-policy, and good driver.
  • Farm Bureau offers discounts for 55 and retired, good student, multi-vehicle, renewal discount, multi-policy, and youthful driver.
  • GEICO may offer discounts for multi-vehicle, defensive driver, driver training, federal employee, multi-policy, and anti-theft.
  • SAFECO may have discounts that include bundle discounts, drive less, multi-car, anti-lock brakes, teen safe driver, safe driver, and anti-theft.

If you need affordable insurance coverage quotes, ask all the companies which credits you are entitled to. A few discounts may not apply in your state. If you would like to see a list of insurers that offer some of these discounts, click here to view.

Tailor your insurance coverage coverage to you

When choosing adequate coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is unique.

For example, these questions can help discover if your insurance needs will benefit from professional help.

  • What is an SR-22 filing?
  • How much liability do I need to cover my assets?
  • Am I covered if I hit a deer?
  • If I drive on a suspended license am I covered?
  • Why am I required to get a high-risk car insurance policy?
  • Does my liability insurance cover pulling a trailer or camper?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Insurance coverage options for a 2017 Chevy Spark

Learning about specific coverages of your insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from getting keyed and hail damage. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as driving through your garage door, rolling your car, crashing into a ditch, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Liability

Liability coverage can cover damage or injury you incur to a person or their property. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as pain and suffering, repair costs for stationary objects, medical services, emergency aid and loss of income. How much coverage you buy is up to you, but consider buying as much as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for immediate expenses for funeral costs, chiropractic care, doctor visits and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Chevy Spark.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Saving money is sweet as honey

Affordable 2017 Chevy Spark insurance can be found both online and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who do not provide online price quotes and many times these small, regional companies work with local independent agents.

Insureds switch companies for a number of reasons such as policy cancellation, delays in paying claims, denial of a claim or poor customer service. Regardless of your reason for switching companies, finding the right insurance provider is less work than it seems.

When trying to cut insurance costs, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where an accident victim reduced physical damage coverage only to find out that it was a big error on their part. Your aim should be to purchase a proper amount of coverage at the best price, but do not skimp to save money.

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