Save on 2017 Chevrolet Spark Car Insurance Cost

Tired of scraping nickels together to pay your insurance bill each month? You have the same problem as many other drivers.

There is such a variety of insurers to pick from, and even though it’s nice to be able to choose, it can be more difficult to compare rates and cut insurance costs.

Finding the best rates is not rocket science. If you have car insurance now, you stand a good chance to be able to save some money using these methods. But drivers do need to know how the larger insurance companies determine prices because it can help you find the best coverage.

How much is insurance?

Most of the larger companies give pricing on their websites. Doing online quotes doesn’t take much effort as you just enter the coverages you want into the quote form. After you submit the form their system automatically orders reports for credit and driving violations and returns pricing information based on the data you entered. Quoting online makes it a lot easier to compare rates but the process of having to visit several different sites and type in the same information can get tiresome after awhile. Unfortunately, it is important to do this in order to get lower prices.

The smarter way to find cheaper rates requires only one form that obtains quotes from several companies at one time. It’s a real time-saver, eliminates repetitive work, and makes quoting online much more enjoyable and efficient. After your information is entered, it is rated with multiple companies and you can pick your choice of the price quotes you receive. If you find a better price you simply finish the application and purchase the new policy. The entire process takes less than 15 minutes and may result in a nice savings.

To quickly find out how much you can save on insurance, click here to open in a new tab and input your coverage information. To compare your current rates, we recommend you input deductibles and limits just like they are on your policy. This guarantees you will have a price comparison based on similar coverages.

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Can switching companies really save?

Insurance coverage providers like State Farm, Geico and Progressive consistently run ads on TV and radio. All the ads try to convey promises that you’ll save big just by switching your policy. But how can every company charge lower premium rates? It’s all in how they say it.

All companies have underwriting criteria for the type of driver that makes them money. For instance, a desirable insured may need to be between the ages of 30 and 50, has no claims, and drives a safe vehicle. Any driver that matches those criteria is entitled to the best price and will save when switching.

Consumers who cannot meet these stringent criteria will be quoted a higher premium which leads to business going elsewhere. The wording the ads use say “customers that switch” but not “all drivers who get quotes” save that much money. This is how companies can truthfully make claims that they all have the best car insurance rates. This emphasizes why drivers should compare price quotes frequently. Because without a comparison, you cannot know which insurance coverage company will have the lowest rate quotes.

Get cheaper insurance coverage quotes with discounts

Car insurance companies don’t necessarily list the complete list of policy discounts very well, so the following is a list of some of the more common in addition to some of the lesser obvious credits that may apply to you.

• Anti-lock Brake Discount – Vehicles with ABS and/or traction control can stop better under adverse conditions and the ABS can save up to 10%.
• Theft Prevention Discount – Cars, trucks, and SUVs that have factory anti-theft systems help deter theft and that can save you a little bit as well.
• Multi-policy Discount – If you can bundle your homeowners and auto insurance with the same insurance company you could get a discount of as much as 10 to 15 percent.
• Payment Method – By making one initial payment rather than spreading payments over time you can actually save on your bill.
• Multi-car Discount – Buying insurance for multiple cars on the same insurance coverage policy can reduce the rates for all insured vehicles.
• Discount for Home Ownership – Being a homeowner can earn you a little savings because maintaining a house requires personal responsibility.
• Claim Free – Drivers who don’t have accidents get the best insurance coverage rates when compared to insureds who have frequent claims or accidents.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like you can get free auto insurance, it just doesn’t work that way.

Auto insurance companies who might offer most of these discounts possibly include:

• Progressive
• AAA
• Farmers Insurance
• Geico
• Esurance
• SAFECO
• State Farm

Before you buy a policy, ask every insurance company which discounts you qualify for. All car insurance discounts might not be available to policyholders in every state. If you would like to see a list of insurance coverage companies that offer many of these discounts, click this link.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions could help you determine if your situation could use an agent’s help.

• Am I covered if I wreck a rental car?
• Is extra glass coverage worth it?
• Why am I required to buy liability insurance?
• Am I covered if I break a side mirror?
• Does my 2017 Chevy Spark qualify for pleasure use?
• Am I covered when using my vehicle for business?
• How can I get high-risk coverage after a DUI?
• Do I need replacement cost coverage on my 2017 Chevy Spark?

If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.

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Coverage specifics

Understanding the coverages of insurance can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on the average insurance policy.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Chevy Spark.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Liability

Liability insurance protects you from damage that occurs to people or other property. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against claims like bail bonds, loss of income and medical expenses. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Comprehensive protection

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as falling objects, vandalism, damage from a tornado or hurricane and rock chips in glass. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage protection

This coverage pays for damage to your Spark caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like sustaining damage from a pot hole, backing into a parked car, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Medical expense coverage

Med pay and PIP coverage pay for expenses such as dental work, funeral costs, hospital visits and surgery. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Don’t be a big spender

We covered quite a bit of information on how to shop for 2017 Chevy Spark insurance online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your prices. You may be surprised to find that the lowest priced insurance comes from a small mutual company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

When shopping online for insurance, it’s a bad idea to buy poor coverage just to save money. There are too many instances where an insured cut uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy a smart amount of coverage at the lowest possible cost but still have enough coverage for asset protection.

To learn more, feel free to browse the resources below:

• Teen Driving Statistics (Geico)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)

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