Save on 2014 Chevrolet Spark Car Insurance Rates

Searching for the cheapest insurance rates? Consumers have lots of choices when looking for the best price on Chevy Spark insurance. You can either waste hours calling around trying to get quotes or save time using the internet to make rate comparisons.

There is a right way and a wrong way to shop for insurance so you’re going to learn the proper way to price shop coverage for a new or used Chevy and locate the cheapest rates.

It’s a great practice to compare prices periodically because prices change frequently. Just because you found the best rates on Spark coverage a couple years back there may be better deals available now. Forget all the misinformation about insurance because you’re about to learn the fastest way to save money, get proper deductibles and limits, all at the lowest rate.

This article will help educate you on the best way to quote coverages and some tricks to saving. If you are paying for car insurance now, you will most likely be able to cut costs considerably using this information. Consumers only need an understanding of the proper methods to compare price quotes online.

How to buy car insurance

Getting a cheaper price on 2014 Chevy Spark insurance is surprisingly easy. Just spend a little time getting comparison quotes to find the company with affordable insurance quotes. Insurance prices can be quoted using a couple different methods.

1. The fastest way to find the lowest comparison rates is an all-inclusive rate comparison click to view form in new window. This easy form prevents you from having to do a different quote for each price estimate. Completing one form gets rate comparisons direct from many companies. This is perfect if you don’t have a lot of time.
2. A less efficient way to find lower rates requires visiting the website for each individual company to request a price quote. For example, we’ll pretend you want to compare Nationwide, Progressive and Farmers. To get each rate you have to navigate to each company’s site to enter your coverage information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

Whichever way you use, double check that you are using identical information on every quote. If you use different deductibles it’s impossible to get a fair rate comparison.

Use discounts to get cheaper insurance rates

Properly insuring your vehicles can get expensive, but there could be available discounts that may help make it more affordable. Larger premium reductions will be automatically applied at the time you complete a quote, but occassionally some discounts must be manually applied prior to receiving the credit.

• Claim-Free Discount – Claim-free drivers are rewarded with significantly better rates on insurance quote in comparison with bad drivers.
• Defensive Driver – Taking a class that teaches defensive driving techniques is a good idea and can lower rates depending on where you live.
• Good Students Pay Less – Getting good grades may save as much as 25% on a insurance quote. You can use this discount normally well after school through age 25.
• Mature Driver Discount – Seniors are able to get a slight reduction on a insurance quote on Spark coverage.
• Federal Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease on Spark coverage with select insurance companies.
• Sign Online – A handful of insurance companies will provide an incentive for signing up on your computer.
• Passenger Safety Discount – Factory options such as air bags may earn rate discounts of 20% or more.
• College Student Discount – who are enrolled in a college that is more than 100 miles from home and do not take a car to college may be insured at a cheaper rate.
• New Car Discount – Buying a new car model can cost up to 25% less since newer vehicles are generally safer.
• Anti-lock Brake System – Vehicles with ABS braking systems or traction control are much safer to drive and the ABS can save up to 10%.

As is typical with insurance, some of the credits will not apply the the whole policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, you’re out of luck. But all discounts will bring down your policy cost.

Auto insurance companies that may offer these money-saving discounts include:

• State Farm
• American Family
• Geico
• 21st Century
• Progressive

It’s a good idea to ask all companies you are considering to apply every possible discount. Some discounts listed above might not be offered on policies in your area. To see insurers with discount insurance rates, click this link.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out whether you will benefit from professional help.

• Why am I required to buy high-risk coverage?
• What are the financial responsibility laws in my state?
• When should I remove comp and collision on my 2014 Chevy Spark?
• Do I have coverage when pulling a U-Haul trailer?
• Does coverage extend to my business vehicle?
• How can I find cheaper teen driver insurance?
• Is a fancy paint job covered?
• Do I have coverage if my license is suspended?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Coverage specifics

Knowing the specifics of a insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for chiropractic care, X-ray expenses, rehabilitation expenses and doctor visits. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as fire damage, hail damage, vandalism, hitting a bird and rock chips in glass. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage – This provides protection when the “other guys” either are underinsured or have no liability coverage at all. 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 limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability coverage – This coverage protects you from damage that occurs to people or other property. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims like repair costs for stationary objects, bail bonds and legal defense fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision coverages – Collision coverage will pay to fix damage to your Spark resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a ditch, scraping a guard rail, rolling your car and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.