Cheap 2015 Chevrolet Spark Car Insurance Quotes

Want the cheapest auto insurance rates for your Chevrolet Spark? Are you irritated from not being able to afford to buy auto insurance? You have the same problem as many other consumers. Online insurance companies like Geico, Progressive and Allstate all promote huge savings with ad campaigns and consumers find it hard to sift through the bull and find the best price available.

You should take the time to shop coverage around at least once a year because prices change quite often. If you had the best deal for Spark insurance a couple years back a different company probably has better rate quotes today. Forget all the misinformation about auto insurance because you’re going to get a crash course in the proper way to find lower rates on auto insurance.

If you have a current insurance coverage policy or are looking for a new policy, you can use this information to reduce the price you pay and still get good coverage. Buying car insurance is not rocket science. Drivers just need to understand the best way to get comparison quotes over the internet.

Use discounts to get cheaper insurance rates

Some providers don’t always publicize the entire discount list in an easy-to-find place, so here is a list both the well known and the more hidden credits that may apply to you.

• Driver’s Education for Students – Require your teen driver to take driver’s ed class if it’s offered in school.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
• Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts can get savings of 20% or more.
• Sign Early and Save – Some insurance companies reward drivers for buying a policy before your current coverage expires. You can save around 10% with this discount.
• Accident Waiver – Not really a discount, but a few companies such as Geico and Liberty Mutual will allow you to have one accident without getting socked with a rate hike as long as you don’t have any claims for a certain period of time.
• Military Deployment Discount – Being deployed in the military can result in better insurance rates.
• E-sign Discounts
• Professional Organizations – Having an affiliation with a civic or occupational organization is a simple method to lower premiums on your next renewal.
• Save with More Vehicles Insured – Drivers who insure multiple cars or trucks with the same company qualifies for this discount.

Policy discounts save money, but most discounts do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, that’s just not realistic.

Popular insurance companies and some of the premium reductions they offer are shown below.

• Progressive offers discounts for continuous coverage, homeowner, good student, multi-vehicle, and multi-policy.
• MetLife includes discounts for multi-policy, claim-free, defensive driver, accident-free, good driver, good student
• Mercury Insurance offers discounts including multi-policy, anti-theft, ease of repair, professional/association, good driver, and accident-free.
• Nationwide may offer discounts for accident-free, good student, multi-policy, business or organization, family plan, and easy pay.
• Geico has discounts for emergency military deployment, defensive driver, multi-vehicle, anti-lock brakes, and driver training.
• AAA has savings for multi-policy, multi-car, AAA membership discount, pay-in-full, education and occupation, anti-theft, and good driver.

Before buying, ask each insurance company which discounts can lower your rates. Savings might not be offered in your area. To see a list of companies that offer many of these discounts, click here to view.

Compare insurance rates

Comparing insurance rates can be challenging if you don’t utilize the easiest way. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you could save time and use online quotes for quick rates.

Many companies take part in a program that allows shoppers to complete one form, and at least one company returns a competitive quote. This prevents consumers from doing quote forms for every insurance company.

To use this form to compare rates click to open in new window.

The one downside to doing it this way is buyers cannot specifically choose the providers to get quotes from. So if you want to choose specific providers to request quotes from, we have a page of companies who write insurance in your area. Click to view list.

It doesn’t matter which method you choose, just make sure you compare equivalent coverage limits for every quote you compare. If you compare higher or lower deductibles you can’t possibly determine the best price for your Chevy Spark.

Tailor your insurance coverage coverage to you

When choosing adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions might point out if your situation may require specific advice.

• Am I covered if I hit a deer?
• Am I covered when driving in Canada or Mexico?
• Is my nanny covered when driving my vehicle?
• When can I cancel my policy?
• Does my 2015 Chevy Spark qualify for pleasure use?
• Am I covered when driving a rental car?
• Do I have coverage for damage caused while driving under the influence?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Detailed coverages of your car insurance policy

Learning about specific coverages of your car insurance policy can help you determine the best coverages for your vehicles. Car insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by car insurance companies.

Collision – This pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as crashing into a building, colliding with another moving vehicle, crashing into a ditch, colliding with a tree and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive car insurance – This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, a tree branch falling on your vehicle, theft, hail damage and rock chips in glass. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – This provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage 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. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability coverages – Liability insurance will cover damage or injury you incur to other people or property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as medical services, loss of income, medical expenses, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as X-ray expenses, doctor visits, rehabilitation expenses, hospital visits and surgery. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Shop around and save

We covered many tips how you can lower your 2015 Chevy Spark insurance premium rates. The key concept to understand is the more you quote car insurance, the higher your chance of finding affordable car insurance. Consumers could even find that the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. These smaller insurers can often provide lower prices in certain areas as compared to the big name companies such as State Farm, Geico and Nationwide.

Cheaper car insurance can be found both online and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some car insurance companies may not offer price quotes online and many times these smaller providers only sell coverage through independent agencies.

To read more, feel free to browse these articles:

• Teen Driver Statistics (Insurance Information Insitute)
• Winter Driving (Insurance Information Insitute)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)