Cheaper 2018 Chevrolet Spark Car Insurance Quotes

Cutting costs on car insurance might be slightly frustrating for drivers not familiar with online price comparisons. With such a large number of agents and online companies available, it can easily become a difficult mission to locate the lowest price.

The method we recommend to compare insurance rates in your area utilizes the fact car insurance companies participate in online systems to give free rates quotes. To get started, all you need to do is provide a little information like types of safety features, how much you drive, if a SR-22 is needed, and if your license is active. Those rating factors is then submitted to multiple auto insurance providers and you will receive price estimates instantly to find the best rate.

To find the cheapest 2018 Chevy Spark insurance rates, click here and see if a lower rate is available.

These discounts can lower your insurance coverage quotes

Some insurance providers do not list the entire discount list very well, so the following list contains both well-publicized as well as some of the hidden discounts that you may qualify for.

  • Anti-theft Discount – Cars and trucks that have factory anti-theft systems are stolen with less frequency and that can save you a little bit as well.
  • Homeowners Discount – Being a homeowner may earn you a small savings because it requires personal responsibility.
  • Senior Citizens – Drivers over the age of 55 could receive a discount up to 10% on Spark coverage.
  • Smart Student Discounts – Getting good grades can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Distant Student Discount – Children who are attending college and don’t have a car could qualify for this discount.
  • Organization Discounts – Affiliation with certain professional organizations could trigger savings on your bill.
  • Bundled Policy Discount – If you have multiple policies with the same insurance company you could earn a discount of approximately 10% to 15%.
  • First Accident Forgiveness – Not a discount per se, but a few companies such as GEICO, Allstate and Liberty Mutual will let one accident slide before your rates go up with the catch being you have to be claim-free prior to the accident.
  • Defensive Driving Course – Passing a defensive driver course could save 5% or more if you qualify.
  • Onboard Data Collection – Insureds who allow driving data submission to study driving manner by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if their driving habits are good.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like you could get a free insurance coverage policy, it’s just not the way it works.

To find insurance companies who offer discounts, click here to view.

Different people need different auto insurance coverages

When it comes to choosing the right insurance coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

  • Can I afford to buy a different vehicle if my 2018 Chevy Spark is totaled?
  • Should I buy full coverage?
  • How do I file an SR-22 for a DUI in my state?
  • When should I buy a commercial auto policy?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Why do I only qualify for high-risk insurance?
  • Am I covered when driving someone else’s vehicle?
  • Which companies will insure high-risk drivers?
  • Does liability extend to a camper or trailer?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Chevy Spark insurance premium factors

The best way to find cheaper insurance is to take a look at some of the factors that come into play when calculating the level of your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this helps enable you to make changes that will entitle you to much lower annual insurance costs.

  • How your age affects costs – Young drivers have been known to be less responsible when behind the wheel so they pay higher insurance rates. Older people have been proven to be more responsible, tend to file fewer claims and tend to be get fewer driving tickets.
  • Battle of the sexes – Statistics have proven females are less aggressive when driving. However, this does not mean women are better drivers. Both sexes have auto accidents in similar percentages, but males cause more damage. Men also statistically get more serious tickets like DWI (DUI) or reckless driving. Male drivers age 16 to 19 tend to get in the most accidents so it costs more to insure them.
  • Save money by having multiple policies – Most larger companies afford better rates to clients who carry more than one policy in the form of a multi-policy discount. Even with this discount applied, it’s in your best interest to shop around to help ensure you have the lowest rates. Drivers may still find a better deal by buying insurance from more than one company.
  • Little extras can really add up – Insurance companies have many add-on coverages that sound like a good idea at the time on your 2018 Spark policy. Coverages for personal injury protection, high-cost glass coverage, and additional equipment coverage are examples of these. You may think they are a good idea when discussing your needs, but if you’ve never needed them in the past eliminate them to save money.
  • Where you live – Choosing to live in a small town has definite advantages when talking about insurance. People in densly populated areas have to deal with more traffic problems and longer commute times. Less people means fewer accidents as well as less vandalism and auto theft.
  • Infrequent drivers can save – Driving a lot of miles in a year’s time the higher your rate. A lot of companies apply a rate based on their usage. Vehicles that do not get driven very much can be on a lower rate level than those that get driven frequently. Having the wrong rating on your Spark can result in significantly higher rates. It’s a smart idea to ensure your insurance declarations sheet is showing the correct usage for each vehicle.

But they said I’d save $482 a year!

Companies like Progressive, GEICO, Allstate and State Farm seem to constantly run television, radio, and online ads. All the ads make the point that people will save just by switching your policy. That’s great but how can every company save you money? This is how they do it.

Different companies are able to cherry pick for the type of customer that will add to their bottom line. For instance, a desirable risk might have to be a mature driver, has no prior claims, and drives a car with an anti-theft system. Anybody that meets those criteria will most likely get cheap premium rates and will save when switching.

Consumers who are not a match for those criteria will get a more expensive rate which usually ends up with the customer not purchasing. The ads state “drivers who switch” not “all people who quote” save money. That’s why insurance companies can state the savings. Because every company is different, you should get insurance quotes as often as possible. It’s just not possible to know which company will have the lowest rates.

The coverage is in the details

Understanding the coverages of a car insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision insurance

This coverage pays for damage to your Spark caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as hitting a parking meter, colliding with another moving vehicle and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Medical expense insurance

Coverage for medical payments and/or PIP pay for expenses for things like funeral costs, doctor visits, prosthetic devices and pain medications. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as falling objects, theft, rock chips in glass and fire damage. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage

Liability coverage will cover damage or injury you incur to other people or property. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like court costs, repair bills for other people’s vehicles and legal defense fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Better coverage you can count on

Low-cost 2018 Chevy Spark insurance is attainable online and from local agencies, and you should compare price quotes from both so you have a total pricing picture. Some companies do not offer rate quotes online and usually these regional insurance providers prefer to sell through independent insurance agents.

Insureds who switch companies do it for a variety of reasons including lack of trust in their agent, extreme rates for teen drivers, an unsatisfactory settlement offer and even not issuing a premium refund. Regardless of your reason for switching companies, finding a great new company can be easier than you think.

As you restructure your insurance plan, it’s not a good idea to reduce needed coverages to save money. There are a lot of situations where someone sacrificed full coverage and discovered at claim time that they should have had better coverage. Your strategy should be to buy the best coverage you can find at the lowest possible cost, but do not sacrifice coverage to save money.

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