Lower Your 2018 Chevrolet Spark Car Insurance Rates

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.

Discounts to earn affordable 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.

• Professional Organizations – Affiliation with a qualifying organization could qualify you for a break on your next auto insurance statement.
• Government Employees – Being employed by or retired from a federal job may qualify for a discount when you quote auto insurance on Spark insurance with select insurance companies.
• Defensive Driver Discount – Completing a course in safe driver can save you 5% or more if your company offers it.
• Multi-line Discount – Select companies reward you with a discount if you purchase life insurance.
• Driver’s Ed – Have your child enroll in driver’s education as it can save substantially.

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:

• State Farm may offer discounts for defensive driving training, passive restraint, good driver, Drive Safe & Save, multiple autos, and driver’s education.
• Farmers Insurance has savings for business and professional, pay in full, multi-car, distant student, and alternative fuel.
• Progressive includes discounts for good student, continuous coverage, homeowner, multi-vehicle, online quote discount, multi-policy, and online signing.
• Geico has discounts for anti-lock brakes, daytime running lights, military active duty, anti-theft, and five-year accident-free.
• Auto-Owners Insurance offers discounts for anti-theft, anti-lock brakes, company car, multi-policy, paid in full, safe driver, and mature driver.
• The Hartford may include discounts for driver training, defensive driver, anti-theft, vehicle fuel type, bundle, and good student.
• Farm Bureau offers discounts including multi-vehicle, multi-policy, renewal discount, 55 and retired, and driver training.
• USAA may have discounts that include vehicle storage, good student, defensive driver, military installation, family discount, multi-vehicle, and multi-policy.

When getting a coverage quote, ask every company which credits you are entitled to. Some discounts might not be offered in your area.

Chevy Spark insurance prices can be lower

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.

• Accidents hurt – Even a single speeding ticket may cause rates to rise twenty percent or more. Drivers with clean records get better rates as compared to those with violations. Drivers who get multiple tickets like DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
• Be proud to be claim-free – If you frequently file small claims, you can pretty much guarantee higher premiums or even policy non-renewal. Companies generally give better rates to drivers who do not rely on their insurance for small claims. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.
• Theft deterrents save – Driving a car with anti-theft technology or alarm system can save you some money. Theft deterrent systems such as OnStar, LoJack tracking, and tamper alarms all help stop car theft and help bring rates down.
• Use credit responsibly and save – A driver’s credit history is a big factor in calculating your premium rate. If your credit rating can use some improvement, you could pay less to insure your 2018 Chevrolet Spark by taking the time to improve your credit score. Insureds that have good credit tend to be better drivers and file fewer claims than those with lower ratings.

Tailor your car insurance coverage to you

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 my 2018 Chevy Spark is totaled, can I afford another vehicle?
• Does liability extend to a camper or trailer?
• What is roadside assistance coverage?
• Do I need an umbrella policy?
• Will my insurance pay for OEM parts?
• Where can I get insurance after a DUI in my state?
• When would I need rental car insurance?
• Does coverage extend to my business vehicle?

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.

Insurance myths debunked

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.

Car insurance specifics

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.

Liability coverage

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 protection

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.

Comprehensive 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

A penny saved is a penny earned

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.

More tips and info about car insurance can be read at these sites:

• Tread Depth and Tire Safety (State Farm)
• Medical Payments Coverage (Liberty Mutual)
• Auto Insurance Learning Center (State Farm)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Understanding Car Crashes Video (iihs.org)
• Child Safety FAQ (iihs.org)