2016 Chevrolet Spark Insurance Rates – 10 Tricks for Best Quotes

If you’re shopping for cheaper insurance online, do you get frustrated by the crazy number of auto insurance companies? There are such a vast assortment of companies available that it can quickly become hard work to compare rates.

If you currently have a car insurance policy, you will most likely be able to save some money using this information. Pricing cheaper auto insurance is easy if you know what you’re doing. Although car owners can benefit from knowing the way companies sell online because it can help you find the best coverage.

How to buy auto insurance online

The are a couple different ways of comparing price quotes from many different insurance companies. The easiest way by far to find the cheapest 2016 Chevy Spark insurance rates consists of obtaining rate quotes online. This can be done by using one of the methods below.

If you’re in a hurry, the quickest way to compare a lot of rates at once is a comparison rater form click to view form in new window. This type of form keeps you from doing boring form submissions for each company. Taking the time to complete one form gets prices estimates instantly. This is by far the quickest method.

A slightly less efficient method to find more affordable insurance requires a trip to each company website and repeat the quote process. For sake of this example, we’ll assume you want to get rates from Progressive, Farmers and Allstate. In order to compare rates, you need to navigate to each company’s site and type in your information over and over, which is why the first method is quicker.

For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but double check that you are using exactly the same quote data with each company. If the quotes have different data it’s not possible to determine which rate is truly the best. Having just a slight variation in insurance coverages or limits may result in a large different in cost. And when comparison shopping, comparing more rates from different companies will improve the odds of getting the best price. Some smaller insurers to not give online rate quotes, so it’s necessary to compare rates on coverage from those companies, too.

Get cheaper insurance coverage with discounts

Auto insurance companies don’t necessarily list the complete list of policy discounts very well, so below is a list a few of the more common and also the lesser-known discounts that you may qualify for. If they aren’t giving you every credit you qualify for, you could be getting lower rates.

  • Low Mileage – Low annual miles may allow you to get lower prices on the low mileage vehicles.
  • No Claim Discounts – Good drivers with no accidents pay less as compared to frequent claim filers.
  • Renewal Discounts – Some companies reward drivers for switching companies before your current policy expires. It’s a savings of about 10%.
  • Bundled Policy Discount – When you combine your home and auto insurance with the same company you will save at least 10 to 15 percent or more.
  • Sign Online – Some insurance coverage companies will give a small break for buying your policy online.
  • Military Rewards – Having a deployed family member could qualify you for better prices.
  • Driving Data Discount – Drivers that enable companies to spy on driving patterns by using a telematics device in their vehicle such as State Farm’s In-Drive might get better premium rates if they exhibit good driving behavior.
  • Driver’s Ed – It’s a good idea to have your young drivers participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Mature Driver Discount – Older drivers may qualify for a slight reduction on a insurance quote for Spark insurance.
  • Memberships – Joining qualifying employment or professional organizations could trigger savings on your next renewal.

Keep in mind that most discounts do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like adding up those discounts means a free policy, it’s just not the way it works.

Auto insurance companies that may include most of the discounts above include:

When getting a coverage quote, ask every company which discounts they offer. All car insurance discounts might not apply in your area. To view companies who offer cheap insurance coverage quotes, click this link.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining if you would benefit from an agent’s advice.

  • Is pleasure use cheaper than using my 2016 Chevy Spark to commute?
  • Can my teen drive my company car?
  • Is business property covered if stolen from my car?
  • Am I covered when delivering products for my home-based business?
  • Am I covered if I hit a deer?
  • Why do I only qualify for high-risk insurance?
  • Do I have newly-aquired coverage?

If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

What insurance coverages do you need?

Learning about specific coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Coverage for liability

This will cover damage that occurs to people or other property by causing an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like emergency aid, pain and suffering and attorney fees. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like damaging your car on a curb, hitting a mailbox, sideswiping another vehicle and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2016 Chevy Spark.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like prosthetic devices, dental work, rehabilitation expenses and doctor visits. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage will pay to fix 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 like damage from flooding, falling objects and fire damage. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.