View 2015 Chevrolet Spark EV Insurance Quotes

Buying cheap auto insurance on the web may be rather challenging for consumers that are relatively new to buying insurance on the web. With such a large choice of companies, how are we expected to have a chance to compare each option to find cheaper auto insurance prices?

This article will tell you the most effective way to quote insurance and some money-saving tips. If you have car insurance now, you should be able to lower your premiums substantially using these methods. Although car owners should learn how insurance companies price insurance differently and apply this information to your search.

Six tips to get lower-cost insurance prices

It’s important that you understand the rating factors that go into determining your policy premiums. When consumers understand what determines base rates, this allows you to make educated decisions that can help you get cheaper rates. Many things are used when quoting car insurance. Some are obvious such as your driving record, although some other factors are less obvious such as your marital status and annual miles driven.

The factors shown below are some of the factors used by companies to determine prices.

• Protect yourself with liability protection – Your policy’s liability coverage will provide protection when you are ruled to be at fault for an accident. This coverage provides legal defense which can cost thousands of dollars. This coverage is relatively inexpensive as compared to coverage for physical damage, so do not skimp.
• Big cities mean more claims – Living in a small town has definite advantages when shopping for auto insurance. City drivers regularly have more aggressive driving styles and much longer commute distances. Less people means less chance of accidents.
• Adjust deductibles and save – Deductibles for physical damage define how much you are willing to pay out-of-pocket if a claim is determined to be covered. Physical damage protection, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered are collision with another vehicle, fire damage, or theft of your vehicle. The more money you are required to pay out-of-pocket, the better rate you will receive on Spark EV coverage.
• Is you employer costing you more? – Did you know your occupation can influence how much you pay for insurance? Occupations like doctors, social workers and dentists are shown to have higher premium rates in part from high stress levels and long work hours. Conversely, professions such as farmers, engineers and performers pay lower than average rates on Spark EV coverage.
• Married people drive safer – Getting married can get you a discount on your insurance policy. It is viewed as being more financially stable and it’s proven that being married results in fewer claims.
• Use credit responsibly and save – Your credit score can be an important factor in determining premium rates. Drivers who have very good credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit scores. If your credit is not that good, you could save money insuring your 2015 Chevrolet Spark EV by taking the time to improve your credit score.

Free car insurance quotes

Most major insurance companies like State Farm, Allstate and Geico provide price estimates from their websites. Getting prices online is easy for anyone because it’s just a matter of typing in your required coverages as requested by the quote form. When complete, their quoting system automatically retrieves your credit score and driving record and quotes a price based on the data you entered.

Online price quotes makes it simple to compare prices but the process of having to visit each company’s website and repetitively type in the same information is not the best way to spend an afternoon. But it’s also necessary to do this in order to get the lowest possible prices on car insurance.

A more efficient way to find cheaper rates uses just one form to return rates from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes online shopping much easier. After sending your information, your coverage is rated and you can choose any or none of the quote results.

If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. This process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

If you want to use this form to compare rates, simply click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended you complete the form with deductibles and limits exactly as they are listed on your policy. Doing this guarantees you will have a price comparison based on similar coverages.

Pay discount rates these premium-slashing discounts

Some companies don’t list all their discounts in an easy-to-find place, so the following list contains a few of the more common as well as the least known savings tricks you should be using when you buy auto insurance online. If you check and find you aren’t receiving every discount you qualify for, you are just wasting money.

• E-sign – A few larger online companies will give a small break for completing your application on your computer.
• Discounts for Multiple Vehicles – Drivers who insure multiple cars with the same car insurance company may reduce the rate for each vehicle.
• Anti-theft System – Cars that have factory anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
• Telematics Data Discounts – Drivers who elect to allow their car insurance company to monitor when and where they use their vehicle by using a telematics device like Allstate’s Drivewise could possibly reduce rates if they exhibit good driving behavior.
• Clubs and Organizations – Belonging to certain professional organizations could qualify you for a break when getting a auto insurance quote.

Just know that most credits do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears adding up those discounts means a free policy, you aren’t that lucky.

A few popular companies and their possible discounts are included below.

• Geico may offer discounts for defensive driver, military active duty, federal employee, good student, and five-year accident-free.
• Auto-Owners Insurance offers discounts including company car, teen driver, safe vehicle, good student, paperless, air bags, and multi-policy.
• American Family may include discounts for bundled insurance, TimeAway discount, multi-vehicle, air bags, good student, and Steer into Savings.
• Esurance includes discounts for safety device, Switch & Save, good driver, DriveSense, good student, Pac-12 alumni, and online quote.
• Progressive has savings for good student, multi-vehicle, online quote discount, continuous coverage, multi-policy, and homeowner.
• State Farm offers premium reductions for passive restraint, accident-free, good driver, multiple policy, good student, anti-theft, and defensive driving training.
• AAA offers discounts for anti-theft, pay-in-full, good driver, multi-policy, multi-car, and education and occupation.

Before you buy a policy, ask all the companies how you can save money. A few discounts may not be available in your area. For a list of providers with the best car insurance discounts, follow this link.

Do I need special coverages?

When it comes to choosing adequate coverage, there really is not a best way to insure your cars. Every insured’s situation is different.

For instance, these questions can help discover if your insurance needs might need professional guidance.

• Where can I find DUI or SR-22 insurance?
• I don’t drive much so do I pay less?
• Why am I required to buy liability insurance?
• Do I get a pro-rated refund if I cancel my policy early?
• When does my teenage driver need to be added to my policy?
• Why is insurance for a teen driver so high?
• How can I force my company to pay a claim?
• Can my babysitter drive my car?
• Am I covered if I wreck a rental car?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.

Learn about insurance coverages for a Chevy Spark EV

Understanding the coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Liability auto insurance – Liability insurance can cover damage that occurs to other’s property or people by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like bail bonds, funeral expenses, pain and suffering and medical expenses. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for expenses like funeral costs, chiropractic care, surgery, prosthetic devices and X-ray expenses. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive auto coverage – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as rock chips in glass, a tree branch falling on your vehicle and damage from getting keyed. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Chevy Spark EV.

Due to the fact that many drivers have only the minimum liability required by law, 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. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverages – This pays for damage to your Spark EV caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, hitting a parking meter, crashing into a building, rolling your car and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Save your cold hard cash

When you buy auto insurance online, never skimp on coverage in order to save money. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible at the lowest possible cost but still have enough coverage for asset protection.

Lower-priced 2015 Chevy Spark EV insurance is available from both online companies as well as from independent agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance providers may not have online price quotes and most of the time these regional carriers provide coverage only through independent insurance agents.

Consumers leave their current company for a variety of reasons including delays in paying claims, high prices, an unsatisfactory settlement offer or even lack of trust in their agent. It doesn’t matter what your reason, choosing a new company is pretty easy and you might even save some money in the process.

More tips and info about auto insurance is located at these sites:

• Teen Driver Statistics (Insurance Information Insitute)
• Where can I buy Insurance? (Insurance Information Insitute)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)
• Help Your Teen Be a Better Driver (State Farm)