2014 Chevrolet Spark Car Insurance Rates

Are you intimidated by the sheer number of insurance coverage choices? Many other consumers are too. Consumers have so many options that it can turn into more work than you anticipated to find the perfect company for you.

Discounts can save BIG

Car insurance companies don’t necessarily list every available discount in an easy-to-find place, so we researched both the well known and also the lesser-known discounts you could be receiving.

  • Accident Waiver – A few companies allow you one accident without raising rates as long as you don’t have any claims prior to the accident.
  • Low Mileage Discounts – Fewer annual miles on your Chevy could be rewarded with discounted rates on garaged vehicles.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you may save 10% to 20% off each policy.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Claim Free – Good drivers with no accidents can save substantially when compared with frequent claim filers.
  • Good Student – Getting good grades can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Multiple Cars – Buying insurance for all your vehicles on the same auto insurance policy can get a discount on all vehicles.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Early Signing – Select companies give a discount for switching to them before your current expiration date. This can save 10% or more.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only cut individual premiums such as comprehensive or collision. Just because you may think you could get a free auto insurance policy, you won’t be that lucky.

For a list of insurance companies offering auto insurance discounts, click here to view.

The method we recommend to compare policy rates takes advantage of the fact most insurance companies have advanced systems to compare their rates. To start a quote, the only thing you need to do is spend a couple of minutes providing details such as daily mileage, whether the vehicles are used for commuting, if it has an anti-theft system, and coverage limits. That rating data is automatically sent to many highly-rated insurers and they return rate quotes within a short period of time.

To compare rates now, click here and find out if lower rates are available.

Will just any policy work for me?

When it comes to choosing coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different.

For example, these questions might point out whether or not you would benefit from an agent’s advice.

  • Should I have a commercial auto policy?
  • What is roadside assistance coverage?
  • When do I need to add a new car to my policy?
  • Do I need added coverage for expensive stereo equipment?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my teenager covered with friends in the car?
  • Is extra glass coverage worth it?
  • Is my babysitter covered when using my vehicle?

If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

The coverage is in the details

Learning about specific coverages of your car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for expenses such as EMT expenses, dental work, chiropractic care and pain medications. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision coverage

Collision coverage will pay to fix damage to your Spark resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like sideswiping another vehicle, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Chevy Spark.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Liability coverage

Liability coverage protects you from damages or injuries you inflict on a person or their property. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as repair costs for stationary objects, funeral expenses, legal defense fees, medical expenses and medical services. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Comprehensive coverages

This covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, hail damage and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Be a penny pincher

When you buy insurance online, do not reduce coverage to reduce premium. In too many instances, an insured cut liability coverage limits only to regret that they should have had better coverage. Your strategy should be to buy the best coverage you can find at an affordable rate.

Lower-priced 2014 Chevy Spark insurance can be found both online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

We just covered some good ideas how you can reduce insurance prices online. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers may even find the best price on car insurance is with some of the lesser-known companies.

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