Cheap 2014 Chevrolet Spark EV Insurance Quotes

Trying to find better auto insurance rates for your Chevrolet Spark EV? Shopping for the lowest price auto insurance over the internet is difficult for people that are relatively new to buying their auto insurance online. With such a large number of companies, how can drivers have the ability to compare the different rates to find the best available price?

Smart consumers take time to do rate comparisons once or twice a year due to the fact that insurance prices tend to go up over time. Despite the fact that you may have had the lowest price on Spark EV coverage on your last policy you can probably find a better rate now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the only way to lower your rates without sacrificing coverage.

Buying the lowest cost protection is easy if you know what you’re doing. In a nutshell, everyone who shops for car insurance will be able to reduce their rates. Nevertheless, consumers can benefit by having an understanding of how the larger insurance companies price insurance differently.

Compare auto insurance rate quotes

Comparing auto insurance rates is a ton of work if you don’t know the most efficient way to do it. You could spend your day discussing policy coverages with local insurance agents in your area, or you can utilize online quotes to get rates in a matter of minutes.

Many insurance companies participate in a marketplace where insurance shoppers enter their coverage request one time, and at least one company returns a competitive quote determined by their information. This eliminates the need for quotation requests for each company. To find out how much you’re overpaying now click here to start a free quote.

The only downside to comparing rates this way is you don’t know exactly which providers to get quotes from. So if you want to choose specific providers to compare prices, we have a listing of the cheapest auto insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just make sure you are using the exact same coverages for each quote you get. If your comparisons have different liability limits it’s not possible to make an equal comparison. Just a small difference in limits can result in a big premium difference. And when quoting auto insurance, remember that having more price comparisons will improve the odds of getting the best rates. Some companies don’t provide price estimates online, so it’s important to compare rates on coverage from those companies, too.

Do you qualify for discount insurance?

Insurance is not an enjoyable expense, but you might find some hidden discounts to cut the cost considerably. A few discounts will be applied at the time of quoting, but a few need to be asked about prior to receiving the credit. If you don’t get every credit you deserve, you are just wasting money.

  • Distant College Student Discount – Children who attend college more than 100 miles from home and do not take a car to college could get you a discount.
  • Early Switch Discount – Some insurance companies provide a discount for switching policies before your current expiration date. This can save 10% or more.
  • Smart Student Discounts – Getting good grades may save you up to 25%. You can use this discount normally well after school through age 25.
  • Senior Citizens – If you’re over the age of 55, you can get lower premium rates on Spark EV coverage.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and will qualify for a discount on a car insurance quote.
  • Accident Free – Insureds with no claims or accidents are rewarded with significantly better rates on car insurance quote when compared to drivers who are more careless.
  • Low Mileage – Low annual miles could qualify for cheaper rates.
  • Telematics Devices – Insureds that choose to allow their company to analyze driving habits by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if they exhibit good driving behavior.
  • Passive Restraints – Factory air bags or automatic seat belts can receive discounts of 20 to 30 percent.

One thing to note about discounts is that some credits don’t apply to the entire policy premium. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way.

Some companies who might offer many of the previously listed discounts include:

If you need lower rates, check with every prospective company which credits you are entitled to. Discounts may not apply in your area. If you would like to view insurance companies that have a full spectrum of discounts, click here to view.

What insurance coverages do I need?

When choosing proper insurance coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if you could use an agent’s help.

  • Does my 2014 Chevy Spark EV qualify for pleasure use?
  • When do I need to add a new car to my policy?
  • Do I need rental car coverage?
  • Am I covered if I wreck a rental car?
  • Do I really need UM/UIM coverage?
  • Is upholstery damage covered by car insurance?
  • If I drive on a suspended license am I covered?
  • Can I get a multi-policy discount?
  • Is a blown tire covered by insurance?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

Parts of your insurance policy

Learning about specific coverages of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like falling objects, damage from a tornado or hurricane, damage from flooding and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability car insurance – This protects you from damage or injury you incur to other’s property or people in an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things such as emergency aid, attorney fees and medical services. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like funeral costs, surgery and nursing services. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverage – This covers damage to your Spark EV resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as scraping a guard rail, hitting a parking meter, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many 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 very important. Most of the time these coverages are set the same as your liablity limits.

Feed the piggy bank

We just covered quite a bit of information on how to save on 2014 Chevy Spark EV insurance. The key thing to remember is the more providers you compare, the better chance you’ll have of finding low cost car insurance. You may even find the most savings is with a small mutual company.

When buying insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice liability limits or collision coverage only to regret that the small savings ended up costing them much more. The goal is to purchase a proper amount of coverage at the best price, but do not skimp to save money.

Low-cost 2014 Chevy Spark EV insurance is possible on the web and from local agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers may not provide rates over the internet and usually these smaller providers work with independent agencies.

More learning opportunities

Comments About 2014 Chevrolet Spark EV Insurance

  1. Sandy Weaver

    From Honolulu, HI. Got car insurance quotes with Travelers, AAA, GMAC, and Safeco for my Spark EV and saved just over $120 a year. Was with Allstate. Thankfully I’m not a high risk driver.

  2. Edgar Mckenzie

    Does Allstate have good customer service?

  3. Craig Bentley

    Any companies in Salem, OR that will insure a DUI?

  4. Macie Keller

    How are claims handled by 21st Century around Norfolk, Virginia?

  5. Elza Morales

    Will State Farm insure with a DUI in Frederick, MD?

  6. Timothy Little

    Too expensive. I ride a bike.

  7. Chantelle Vazquez

    Here’s what I found out. Live in Boise, Idaho. Quoted quotes with Progressive, Erie, and Hanover for my 2014 Chevrolet Spark EV and I’m now saving $62 a month. I have kids on my policy, too.

  8. Aretha Farley

    When do I drop full coverage?

  9. Rose Vincent

    GEICO quoted the best rates in Connecticut.