Cheap 2016 Chevrolet Spark Insurance Quotes

Trying to find low-cost insurance for a new or used Chevy Spark can normally be difficult, but you can learn the following methods to save time.

There are more efficient ways to find insurance coverage online and you need to know the quickest way to compare rates on a Chevy and locate the best price possible from both online companies and local agents.

More discounts equal less premium

Insurance can cost an arm and a leg, buy you may qualify for discounts to reduce the price significantly. Some trigger automatically when you complete an application, but a few must be asked for before they will apply. If you’re not getting every credit possible, you’re paying more than you need to.

  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts can get savings of more than 20%.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out life insurance.
  • Multi-policy Discount – If you insure your home and vehicles with one company you may save at least 10% off all policies.
  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount for Spark coverage depending on your company.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% since new cars are generally safer.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. Just because you may think it’s possible to get free car insurance, you won’t be that lucky. But any discount will cut the cost of coverage.

A partial list of companies that may have these benefits include:

Double check with every prospective company which discounts they offer. Discounts may not be available in your state.

It’s not one size fits all

When it comes to buying the right insurance coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that might point out whether your personal situation may require specific advice.

  • What is the rate difference between pleasure use and commuting?
  • Can my teen driver be rated on a liability-only vehicle?
  • What is medical payments coverage?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is my nanny covered when driving my vehicle?
  • How can I force my company to pay a claim?
  • Do I need added coverage for expensive stereo equipment?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Car insurance coverages for a 2016 Chevy Spark

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Liability car insurance

This coverage provides protection from damage that occurs to other people or property. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like attorney fees, medical expenses, court costs, loss of income and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision insurance

Collision insurance will pay to fix damage to your Spark resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as damaging your car on a curb, scraping a guard rail, colliding with another moving vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Spark.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits are set the same as your liablity limits.

Comprehensive insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like falling objects, hail damage, damage from a tornado or hurricane, theft and a broken windshield. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for short-term medical expenses such as chiropractic care, nursing services, surgery and ambulance fees. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

More effort can pay off

We just showed you some good ideas how you can compare 2016 Chevy Spark insurance prices online. It’s most important to understand that the more times you quote, the better likelihood of reducing your rate. You may even find the lowest premiums are with an unexpected company.

Consumers leave their current company for a number of reasons such as extreme rates for teen drivers, delays in paying claims, lack of trust in their agent and poor customer service. Regardless of your reason for switching companies, finding a great new company can be less work than you think.

Affordable insurance can be found both online and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who do not offer the ability to get a quote online and these smaller companies work with independent agents.

Additional auto insurance information is available below: