Trying to find the cheapest insurance for a Chevy Spark can normally be a painful process, but you can learn a few tricks to find lower rates.
There are more efficient ways to buy auto insurance and you need to know the quickest way to price shop coverage for a new or used Chevy and get the best price possible from both online companies and local agents.
It’s a great practice to take a look at other company’s rates before your policy renews due to the fact that insurance rates are variable and change quite frequently. If you had the best price for Spark coverage on your last policy there may be better deals available now. There is too much inaccurate information about auto insurance online but with this article, you’re going to get the easiest ways to buy auto insurance cheaper.
Insurance can be prohibitively expensive, but there could be available discounts to help bring down the price. Some discounts apply automatically at the time you complete a quote, but some may not be applied and must be specially asked for in order for you to get them. If you aren’t receiving every discount you qualify for, you are throwing money away.
As a disclaimer on discounts, some credits don’t apply to the entire cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think you could get a free insurance policy, it just doesn’t work that way. Any amount of discount will bring down your overall premium however.
For a list of companies offering insurance discounts, click here.
The quickest method to compare policy rates is to understand most insurance companies have advanced systems to quote your coverage. To begin a comparison, all you need to do is give the companies some data like whether you have decent credit, driver details, whether you are married, and if you went to college. Your details is then sent to many different companies and you get price estimates instantly.
When it comes to choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.
Here are some questions about coverages that may help you determine whether you will benefit from professional help.
If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.
Understanding the coverages of your auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.
Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things like crashing into a ditch, crashing into a building, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.
Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like X-ray expenses, ambulance fees and funeral costs. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims such as damage from getting keyed, hail damage and theft. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Liability insurance – This coverage will cover injuries or damage you cause to other people or property that is your fault. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that translate to $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. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability insurance covers claims such as attorney fees, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.
We’ve covered some good ideas how to lower your 2013 Chevy Spark insurance rates. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the best price on insurance coverage is with the least-expected company.
Cheaper insurance is available both online in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies do not provide online quoting and these small insurance companies work with independent agents.
As you prepare to switch companies, it’s not a good idea to buy poor coverage just to save money. There are many occasions where someone dropped comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. The proper strategy is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.