Cheaper 2014 Chevrolet Spark Insurance Cost

Searching for cheaper car insurance rates for your Chevrolet Spark? Consumers who are new to the process of comparison shopping online could find buying the lowest-priced car insurance is more work than they anticipated.

Compare Car Insurance Costs

Most companies like State Farm, GEICO and Progressive provide coverage price quotes directly from their websites. Obtaining pricing is quite easy as you simply type in the coverages you want into a form. Behind the scenes, their rating system makes automated requests for information on your driving record and credit history and provides a quote based on many factors.

Quoting online helps simplify price comparisons, but the time it takes to visit several different sites and fill out multiple forms is monotonous and tiresome. But it’s very important to perform this step in order to get a lower rate.

The preferred way to locate the lowest prices uses one form to return rates from more than one company. The form is fast, eliminates repetitive work, and makes online shopping a little more enjoyable. After sending the form, it is quoted and you are able to buy any of the quotes returned. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The whole process can be completed in less than 10 minutes and may result in a nice savings.

To quickly find out if lower rates are available, simply click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you duplicate the limits and deductibles identical to your current policy. This helps ensure you will receive comparison quotes based on identical coverages.

Pay less by taking advantage of discounts

Auto insurance companies do not list all available discounts very clearly, so we researched both well-publicized and the harder-to-find discounts you could be receiving.

  • Paperless Signup – A few companies will give a small break for buying your policy online.
  • Homeowners Discount – Simply owning a home can help you save on car insurance because owning a home is proof that your finances are in order.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you may save up to 20% off your total premium.
  • Senior Discount – Mature drivers may be able to get a small decrease in premiums on Spark coverage.
  • No Charge for an Accident – Some insurance companies allow you one accident without raising rates as long as you don’t have any claims for a set time period.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • Safety Course Discount – Taking a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.

Drivers should understand that many deductions do not apply to all coverage premiums. Most only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, you won’t be that lucky.

To see a list of providers with discount car insurance rates, click this link.

Your coverage should be tailored to you

When it comes to choosing proper insurance coverage, there isn’t really a best way to insure your cars. Each situation is unique.

Here are some questions about coverages that may help you determine if you might need an agent’s assistance.

  • Are rental cars covered under my policy?
  • Am I covered when driving in Canada or Mexico?
  • Is rental equipment covered for theft or damage?
  • What if I don’t agree with a claim settlement offer?
  • Where can I find DUI or SR-22 insurance?
  • Is pleasure use cheaper than using my 2014 Chevy Spark to commute?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Where can I get insurance after a DUI in my state?
  • Does my 2014 Chevy Spark need full coverage?

If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Insurance coverage specifics

Having a good grasp of your insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like fire damage, damage from getting keyed, damage from flooding, rock chips in glass and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability insurance

This coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as repair costs for stationary objects, funeral expenses, attorney fees, court costs and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Collision protection

This pays for damage to your Spark resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as backing into a parked car, hitting a mailbox, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like EMT expenses, ambulance fees, chiropractic care, funeral costs and surgery. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Online plus local equals savings

Low-cost 2014 Chevy Spark insurance is possible from both online companies and with local insurance agents, so you should compare both in order to have the best chance of saving money. Some companies do not offer online quoting and most of the time these small, regional companies sell through independent agents.

When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Insureds leave their current company for a number of reasons such as being labeled a high risk driver, high rates after DUI convictions, high prices or questionable increases in premium. Whatever your reason, switching companies can be less work than you think.

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