View 2014 Chevrolet Spark Insurance Cost

Want lower car insurance rates? Drivers have a choice when trying to find the lowest priced Chevy Spark insurance. They can either waste time calling around getting price quotes or use the internet to make rate comparisons.

There is a better way to shop for car insurance and you need to know the proper way to compare rates for a new or used Chevy and find the best price possible from local insurance agents and online providers.

It’s a good habit to compare prices once or twice a year because car insurance rates trend upward over time. If you had the best rate for Spark insurance a year ago you will most likely find a better price today. There is a lot of bad information regarding car insurance out there, but you can learn some guaranteed methods to buy car insurance cheaper.

The purpose of this post is to familiarize you with the best way to quote coverages. If you currently have a car insurance policy, you stand a good chance to be able to save some money using these tips. Vehicle owners only need to know the tricks to find the lowest price over the internet.

Lower-cost auto insurance rates with discounts

Auto insurance is not an enjoyable expense, but you may find discounts to reduce the price significantly. A few discounts will be applied when you get a quote, but a few must be inquired about before they will apply. If you are not receiving all the discounts possible, it’s possible you qualify for a lower rate.

  • Driver’s Ed – It’s a good idea to have your young drivers complete a driver education course in high school.
  • Discount for Life Insurance – Select insurance carriers reward you with a break if you buy some life insurance too.
  • Early Switch Discount – A few insurance companies give discounts for switching companies before your current expiration date. You can save around 10% with this discount.
  • Passive Restraints and Air Bags – Cars that have air bags can receive discounts as much as 30%.
  • Multi-policy Discount – If you have multiple policies and place coverage with the same company you may save at least 10 to 15 percent or more.
  • Accident Free – Insureds with no claims or accidents are rewarded with significantly better rates on auto insurance quote as opposed to insureds who have frequent claims or accidents.
  • Discount for Low Mileage – Driving fewer miles could be rewarded with substantially lower premium rates.

Drivers should understand that some credits don’t apply to your bottom line cost. Most only cut the cost of specific coverages such as medical payments or collision. If you do the math and it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

To choose insurers that offer multiple discounts, follow this link.

Reduce insurance rates with these tips

The best way to find cheaper insurance coverage is to take a look at some of the things that aid in calculating your insurance coverage rates. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that will entitle you to cheaper rates. Lots of things are taken into consideration when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but other criteria are less apparent such as your credit history or your financial responsibility.

  • Drivers with responsible credit save – Credit rating will be a significant factor in your rate calculation. Therefore, if your credit rating is not that good, you may save money insuring your 2014 Chevrolet Spark if you improve your credit rating. Drivers who have excellent credit scores tend to file fewer claims than drivers with bad credit.
  • Youthful drivers are expensive to insure – Older drivers are proven to be safer behind the wheel, statistically cause fewer accidents and tend to be get fewer driving tickets.Teenage drivers are known to be more careless when at the wheel of a vehicle so insurance coverage rates are higher.
  • Decrease prices by maintaining coverage – Driving without insurance is a big no-no and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. And not only will your rates increase, getting caught without coverage could earn you a revoked license or a big fine.
  • Driving citations cost more than a fine – Drivers who don’t get tickets receive lower rates than bad drivers. Just one moving violation can increase rates forty percent or more. Drivers with flagrant citations like reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to prevent their license from being revoked.
  • Liability is cheap – The liability section of your policy will afford coverage when you are ruled to be at fault for an accident. It provides you with a defense in court which can cost a lot. It is affordable coverage as compared to coverage for physical damage, so buy as much as you can afford.
  • Your gender affects premiums – Over the last 50 years, statistics have shown females are less aggressive when driving. This data doesn’t prove that females are better drivers. Females and males cause at-fault accidents at a similar rate, but the men tend to have higher claims. Not only are claims higher, but men receive more costly citations such as reckless driving.
  • Compare rates if you bundle your policies – Most larger companies provide a discount to policyholders that have more than one policy in the form of a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even with this discount, it’s always a smart idea to compare rates to help ensure you have the lowest rates.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions might point out whether or not you might need professional guidance.

  • Do I need replacement cost coverage on my 2014 Chevy Spark?
  • Can I rate high risk drivers on liability-only vehicles?
  • At what point should I drop full coverage?
  • Does my 2014 Chevy Spark qualify for pleasure use?
  • Does car insurance cover theft of personal property?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What is covered by UM/UIM coverage?
  • If my pet gets injured in an accident are they covered?
  • What discounts do I qualify for?
  • Do I get a pro-rated refund if I cancel my policy early?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Is there deception in advertising?

Consumers can’t escape the ads for cheaper auto insurance by companies like Allstate, GEICO and Progressive. All the companies say the same thing of big savings if you just switch to their company.

How does every company make the same claim? This is the way they can do it.

Insurance companies are able to cherry pick for a prospective insured that earns them the most money. For instance, a profitable risk profile could be married and over the age of 30, carries high limits, and drives less than 10,000 miles a year. Any person who meets those qualifications will probably get the lowest prices and have a good chance to save when they switch companies.

Consumers who fall short of those criteria will probably be forced to pay a higher premium with the end result being the prospect going elsewhere. If you listen to the ad wording, they say “customers who switch” not “all people who quote” save that much when switching. This is how insurance companies can claim big savings.

Because of these techniques, drivers must compare rate quotes every year. Because without a comparison, you cannot know the company that will have better car insurance rates than you’re paying now.

Auto insurance coverage breakdown

Learning about specific coverages of your policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Auto collision coverage

Collision insurance will pay to fix damage to your Spark resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like rolling your car, backing into a parked car, sustaining damage from a pot hole, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive protection

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 the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, falling objects, fire damage and hitting a deer. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured or underinsured coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Chevy Spark.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for expenses for dental work, rehabilitation expenses, prosthetic devices and chiropractic care. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability insurance

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

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as pain and suffering, legal defense fees, loss of income, attorney fees and structural damage. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Pennies from heaven

The cheapest 2014 Chevy Spark insurance is definitely available both online and with local insurance agents, and you need to price shop both to have the best rate selection. Some car insurance companies do not offer internet price quotes and many times these smaller providers work with independent agents.

You just read a lot of information how to get a better price on 2014 Chevy Spark insurance. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting cheaper auto insurance. You may be surprised to find that the most savings is with the least-expected company.

Consumers leave their current company for a variety of reasons including poor customer service, unfair underwriting practices, an unsatisfactory settlement offer and lack of trust in their agent. Regardless of your reason, choosing a new company is not as hard as you think.

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