2016 Chevrolet Spark Car Insurance Quotes – 6 Tricks for Best Rates

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.

Car insurance quotes comparison

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.

Cheap insurance coverage rates with discounts

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.

• Resident Student – College-age children who are enrolled in a college that is more than 100 miles from home and do not take a car to college could get you a discount.
• Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle up before driving could cut 10% or more off the PIP or medical payment premium.
• Discount for Passive Restraints – Vehicles equipped with air bags can qualify for discounts of more than 20%.
• Pay Upfront and Save – If you can afford to pay the entire bill rather than paying monthly you may have a lower total premium amount.
• Data Collection Discounts – Insureds who allow driving data submission to track where and when they drive through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm could save a few bucks as long as the data is positive.
• Braking Control Discount – Cars with anti-lock braking systems are much safer to drive and will save you 10% or more.

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.

• State Farm has discounts for defensive driving training, passive restraint, Drive Safe & Save, Steer Clear safe driver discount, good driver, driver’s education, and anti-theft.
• Progressive has savings for homeowner, online signing, online quote discount, good student, and continuous coverage.
• Progressive may have discounts that include continuous coverage, online quote discount, good student, multi-policy, homeowner, and online signing.
• MetLife may offer discounts for good student, claim-free, good driver, multi-policy, defensive driver, accident-free
• Farm Bureau discounts include multi-policy, 55 and retired, driver training, youthful driver, safe driver, renewal discount, and multi-vehicle.
• Geico may include discounts for federal employee, anti-theft, membership and employees, seat belt use, good student, and multi-vehicle.
• SAFECO offers discounts for anti-theft, teen safe driver, accident prevention training, bundle discounts, homeowner, teen safety rewards, and drive less.

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.

Tailor your car insurance coverage to you

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.

• Will I be non-renewed for getting a DUI or other conviction?
• Is extra glass coverage worth it?
• Should I sign the liability waiver when renting a car?
• Do I have coverage when making deliveries for my home business?
• Am I covered if I break a side mirror?
• Can I get a multi-policy discount?

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.

Insurance coverage specifics

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.

Auto collision coverage

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.

Coverage for medical expenses

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

Liability 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.

Coverage for uninsured or underinsured drivers

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

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.