Trying to find cheaper auto insurance rates for your Chevrolet Spark? There isn’t a single person who enjoys paying for auto insurance, particularly when their premiums are too high. Due to the fact that there are so many insurance companies to choose from, it is hard for the average consumer to locate the most affordable insurer.
You need to get comparison quotes before your next renewal since prices change frequently. Despite the fact that you may have had the lowest rates on Spark insurance a year ago there is a good chance you can find better rate quotes now. You’ll find a ton of advice on auto insurance on the internet, but you can learn some of the best techniques to lower your auto insurance rates.
Companies do not advertise their entire list of discounts very well, so the list below contains both the well known as well as some of the hidden credits available to you.
Discounts save money, but please remember that most discount credits are not given to the overall cost of the policy. Most cut specific coverage prices like comprehensive or collision. So when it seems like adding up those discounts means a free policy, you aren’t that lucky.
Larger auto insurance companies and some of the discounts are:
When getting a coverage quote, ask every company which credits you are entitled to. Some discounts might not be offered in your area.
Many factors are taken into consideration when pricing auto insurance. Some are obvious such as your driving history, but other factors are not as apparent such as your credit history or your financial responsibility.
Shown below are some of the things companies use to determine premiums.
When it comes to buying adequate coverage, there really is no perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether your personal situation might need professional guidance.
If you’re not sure about those questions then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It is quick, free and you can get the answers you need.
Drivers constantly see and hear ads that claim the cheapest prices from the likes of Allstate, GEICO and Progressive. They all make an identical promise that people will save if you just switch your insurance policy to them.
That’s great but how can every company claim to save you money? It’s all in the wording.
All companies provide the lowest rates for the driver that earns them a profit. One example of this type of insured should be over the age of 35, has never had a claim, and drives a vehicle with a low ISO rating. Any person who fits that profile receives the best rates as well as save when switching.
Consumers who do not fit this ideal profile will be charged a higher rate which usually ends up with the customer buying from a different company. If you pay close attention to the ads, they say “people that switch” but not “everyone who gets a quote” save that kind of money. That’s the way insurance companies can confidently claim big savings.
Because each company has a different risk profile, you really should get auto insurance quotes from several different companies. You cannot predict which insurance companies will give you lower prices than your current company.
Knowing the specifics of your car insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages offered by car insurance companies.
Uninsured/Underinsured Motorist coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chevy Spark.
Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.
This protects you from damage that occurs to other’s property or people that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.
Liability insurance covers things like medical services, repair costs for stationary objects, bail bonds, emergency aid and loss of income. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.
Collision insurance covers damage to your Spark from colliding 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 coverage protects against claims such as sideswiping another vehicle, sustaining damage from a pot hole, colliding with a tree, damaging your car on a curb and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.
This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as hail damage, vandalism, rock chips in glass and falling objects. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as doctor visits, nursing services, chiropractic care, rehabilitation expenses and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
We just showed you many ways to get a better price on 2018 Chevy Spark insurance. It’s most important to understand that the more times you quote, the higher the chance of saving money. Consumers may even find the biggest savings come from some of the smallest insurance companies. Smaller companies may only write in your state and offer lower prices compared to the large companies like Allstate, GEICO and Progressive.
Budget-conscious 2018 Chevy Spark insurance can be sourced from both online companies and also from your neighborhood agents, so get free auto insurance quotes from both of them to have the best rate selection. Some insurance companies do not provide the ability to get a quote online and most of the time these smaller providers sell through independent agents.
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