There isn’t a single person who gets a kick out of paying for auto insurance, particularly when they are paying too much.
You have multiple car insurance companies to purchase coverage from, and though it is a good thing to have a selection, having more insurance companies makes it harder to find the best rates for your vehicles.
Finding the best rates is not that difficult. If you have car insurance now, you will most likely be able to reduce your rates substantially using these tips. Nevertheless, car owners can benefit by having an understanding of how big insurance companies compete online and apply this information to your search.
To find the best car insurance quotes, there are several ways to compare rate quotes from all the different companies. The easiest way by far to compare Chevy Spark insurance prices is to perform an online rate comparison. This can be accomplished in a couple of different ways.
If you’re in a hurry, the quickest way consumers can analyze rates is a comparison rater form like this one (opens in new window). This style of form eliminates the need for multiple quote forms for each company you want a rate for. A single, simple form gets you coverage quotes from several companies.
A slightly less efficient method to find more affordable insurance is going to the website for each individual company and repeat the quote process. For sake of this example, let’s assume you want to compare prices for Auto-Owners, State Farm and Geico. To find out each rate you need to go to every website to enter your coverage information, which can get old fast.
To view a list of companies in your area, click here.
If you have time to kill, the last method to comparison shop rate quotes is to drive around to insurance agencies in your area. Buying insurance online eliminates this option unless your situation requires the trained advice of a local agency. Although you can comparison shop your insurance online but buy from a local insurance agent.
Whichever method you choose, ensure you are comparing the exact same coverage data with each company. If the quotes have different liability limits it will be impossible to determine which company has the best rates. Just slight variations in coverage limits may result in a large different in cost. Just remember that comparing more rates from different companies increases the change that you will find a better price. Not every company does quotes online, so you should also compare quotes from the smaller companies as well.
Some providers do not list all available discounts in an easy-to-find place, so the list below gives a summary of a few of the more well known and also the lesser-known credits available to lower your premiums when you buy car insurance online. If you check and find you aren’t receiving every discount you deserve, you’re just leaving money on the table.
Remember that many deductions do not apply to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. If you do the math and it seems like you could get a free insurance coverage policy, insurance companies wouldn’t stay in business. But any discount will bring down the cost of your policy.
A list of insurance coverage companies and their possible discounts are shown below.
When comparing rates, check with all companies you are considering which discounts you qualify for. Some of the earlier mentioned discounts might not be offered in your area. To see insurance companies who offer discounts, click here.
When choosing proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. These are some specific questions may help you determine if your situation may require specific advice.
If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.
Learning about specific coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average insurance policy.
Collision coverage covers damage to your Spark resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like driving through your garage door, hitting a parking meter, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.
Medical payments and Personal Injury Protection insurance reimburse you for bills such as hospital visits, EMT expenses, dental work, chiropractic care and surgery. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
This coverage will cover injuries or damage you cause to other people or property. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.
Liability can pay for things like repair costs for stationary objects, medical services and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.
This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Chevy Spark.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.
Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as a broken windshield, damage from flooding, falling objects, theft and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
Elayne Fuentes
I found pretty cheap rate quotes for a 2016 Chevrolet Spark in Norfolk, VA. Ended up at roughly $260 every six months with Amica. Moved home policy as well. I recommend comparing lots of rates.
Maybelle Blankenship
Where is cheaper car insurance? Quoted with Farmers for my Chevrolet and saved about $170 a year. Left Hartford to switch. Did it all online.
Fred Richards
I live on the south side of Henderson, NV. I compared lots of rates. Saved about $70 a month. GEICO was the best choice for me. Left Erie to switch. Just waiting to see how claims go.
Yoshie Gonzales
Nice info. I’m in the suburbs of Rapid City, SD. Received quotes from Auto-Owners, Nationwide, and some smaller one I can’t remember the name of for my 2016 Chevrolet Spark and I think I am saving around $70 each month. I think they have home insurance too.
Carley Melton
I compared a lot of rate quotes for a 2016 Chevrolet Spark in Bridgeport, CT. Ended up at right around $310 every six months with AIG Insurance. Insured with Amica before.
Tawnya Haney
I got quite a few price quotes for a 2016 Chevrolet Spark in Minneapolis, MN. Ended up at darn near $540 every six months with Auto-Owners. Have an at-fault accident tho.
Candyce Lowery
21st Century is cheapest in Washington! :)
Ellis Crawford
Cheaper car insurance is a myth. I live west of Augusta, Georgia. I don’t recall every quote but I ended up saving about $70 each month.
Dallas Payne
Cheap is relative. Quoted with Safeco for my Chevrolet and am saving around $290 a year.
Harland Meyers
I compared a lot of rate quotes for a 2016 Chevrolet Spark in Baton Rouge, LA. Ended up at about $100 every six months with AAA. I used their website to get prices.
Lesa Welch
Cheap car insurance? What’s that? I live west of Boise, ID. I got free quotes with State Farm, AIG Insurance, and some I forget for my Spark and I think I saved around $60 each month. They offer free online rate quotes.
Kerstin Fleming
All insurance companies are crooks.
Alida Pate
Will 21st Century cancel my policy for a liability claim?
Gaylord Prince
Cheaper not always better. I live just to the west of Montgomery, AL. Got prices from State Farm, Erie, and Liberty Mutual for my 2016 Chevrolet Spark and I think I saved around $70 each month. I used their online quote form to compare rates.
Elliot Bright
Well-written and thought out article. From Omaha, NE. Got car insurance prices from 21st Century, Hanover, and Encompass for my Chevrolet and I think I saved about $50 each month. Just waiting to see how claims go.
Marjorie Noel
Went with Amica for my 2016 Chevrolet Spark and saved around $90 a year. I’m a pretty low risk driver.
Roseanne Trujillo
I’m from Lewiston, ME. Quoted with Hartford, Amica, Sentry, and a couple others for my Chevrolet and cut my rates about $490 a year.
Numbers Ballard
I’m just south of Chicago, Illinois. I quoted with AAA, Nationwide, and a few others for my 2016 Chevrolet Spark and saved $571 a year. Insured with Travelers before.