View 2015 Chevrolet Spark Insurance Quotes

Searching for lower car insurance rates for your Chevrolet Spark? Have you fallen victim to overpriced car insurance? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out. Numerous insurers battle for your business, and because of this it can be hard to compare car insurance companies to discover the definitive lowest price

Consumers should take time to compare rates every six months since rates are constantly changing. Just because you had the lowest rates on Spark coverage six months ago you will most likely find a better rate today. Starting now, ignore everything you know about car insurance because I’m going to teach you the fastest and easiest way to save on car insurance.

The quickest way to compare car insurance company rates utilizes the fact most insurance companies pay for the opportunity to give rate comparisons. All you need to do is provide the companies a bit of rating information such as whether or not you need a SR-22, driver details, how much school you completed, and deductibles desired. Your insurance information is instantly submitted to multiple top-rated companies and you will get price comparisons instantly to find the best rate.

Chevy Spark insurance rates can be determined by these details

Smart consumers have a good feel for the factors that go into determining your auto insurance rates. Understanding what impacts premium levels enables informed choices that can help you get much lower annual insurance costs.

Listed below are a partial list of the pieces auto insurance companies consider when setting your rates.

  • Proper usage rating affects rates – The more you drive in a year the more you will pay for auto insurance. Most insurance companies charge to insure your cars based on how the vehicle is used. Cars left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. If your policy improperly rates your Spark can result in significantly higher rates. Make sure your auto insurance policy properly reflects the correct driver usage.
  • Occupation reflects on rates – Occupations like lawyers, executives and financial analysts tend to pay higher average rates attributed to high stress and lots of time spent at work. Conversely, occupations such as pilots, engineers and the unemployed have the lowest average rates on Spark coverage.
  • Safer cars cost less to insure – Cars with high safety ratings can get you lower premiums. Safe vehicles result in less severe injuries and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Chevy Spark is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Discounts for multiple policies – Some companies give discounts to policyholders who carry more than one policy such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. Even with this discount, it’s in your best interest to comparison shop to make sure you are getting the best deal. Drivers may still find a better deal by splitting coverages up.

Are you getting all your discounts?

Companies offering auto insurance don’t always publicize all available discounts in an easy-to-find place, so we took the time to find some of the best known as well as the least known savings tricks you should be using. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • One Accident Forgiven – A handful of insurance companies permit an accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Senior Discount – Older drivers may be able to get a small decrease in premiums on Spark coverage.
  • Student in College – Any of your kids who live away from home and don’t have a car may qualify for this discount.
  • Auto/Home Discount – If you insure your home and vehicles with the same company you may save approximately 10% to 15%.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Chevy can qualify you for lower rates on the low mileage vehicles.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings because owning a home requires personal responsibility.

It’s important to understand that most discount credits are not given to the entire cost. The majority will only reduce specific coverage prices like comp or med pay. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.

For a list of insurance companies offering insurance discounts, follow this link.

When might I need an agent?

When it comes to choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your situation may require specific advice.

  • When should I not file a claim?
  • Is my nanny covered when driving my vehicle?
  • Which is better, split liability limits or combined limits?
  • Can I afford to pay high deductible claims out of pocket?
  • Does having multiple vehicles earn me a discount?
  • Is other people’s property covered if stolen from my vehicle?
  • I don’t drive much so do I pay less?
  • Does coverage extend to a rental car in a foreign country?
  • Is business equipment covered while in my vehicle?
  • What if I total my 2015 Chevy Spark and owe more than it’s worth?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Auto insurance coverage information

Having a good grasp of auto insurance can help you determine which coverages you need at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types available from auto insurance companies.

Medical expense insurance

Med pay and PIP coverage provide coverage for expenses for prosthetic devices, chiropractic care, ambulance fees, rehabilitation expenses and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Auto liability insurance

Liability insurance protects you from damages or injuries you inflict on people or other property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for things such as repair costs for stationary objects, court costs, bail bonds and funeral expenses. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Chevy Spark.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Collision protection

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 claims such as hitting a parking meter, scraping a guard rail and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as vandalism, damage from a tornado or hurricane, fire damage, theft and hail damage. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Buy Smart and Save

When shopping online for car insurance, do not reduce coverage to reduce premium. There are many occasions where an accident victim reduced physical damage coverage and learned later that the savings was not a smart move. Your focus should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

We just presented quite a bit of information on how to reduce 2015 Chevy Spark insurance prices online. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. You may even discover the best prices are with a small mutual company. They often have lower prices on specific markets than the large multi-state companies such as Allstate or State Farm.

To learn more, feel free to browse these articles: