Save on 2014 Chevrolet Spark EV Insurance Quotes

Using the web to shop for auto insurance can seem like an uphill battle if you’ve never compared online quoting. But relax because we’re going to show you how.

Buying affordable insurance coverage coverage is simple if you know the tricks. Basically, everyone who has to buy insurance coverage should be able to find better rates. Although consumers do need to know the methods companies use to sell insurance online and take advantage of how the system works.

Comprehensive Insurance Comparison

When shopping for insurance there are multiple ways of comparing rates from different insurance companies. The best method to find the lowest 2014 Chevy Spark EV rates is to use the internet to compare rates. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The single most time-saving way consumers can analyze rates is a comparison rater form click to view form in new window. This easy form keeps you from doing multiple quote forms for each company. In just a few minutes this one form will return quotes from all major companies. It’s the fastest way to compare.
  2. A more difficult way to analyze rates is spending the time to visit the website of each company to complete a price quote. For sake of this example, we’ll pretend you want to compare Allstate, Liberty Mutual and Geico. To get each rate you have to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

Whichever way you use, make darn sure you compare the exact same deductibles and coverage limits on every quote you get. If the quotes have different limits and deductibles on each one you will not be able to make a fair comparison for your Chevy Spark EV. Having just a slight variation in insurance coverages may result in large price differences. And when comparison shopping, obtaining a wide range of quotes will increase your chances of finding the best price.

Cut your insurance coverage rates with discounts

The price of auto insurance can be rather high, but companies offer discounts to help offset the cost. Some discounts apply automatically at the time you complete a quote, but lesser-known reductions have to be asked about before you get the savings.

  • Discount for Swiching Early – A few companies offer discounts for buying a policy before your current policy expires. The savings is around 10%.
  • Fewer Miles Equal More Savings – Driving fewer miles can earn a substantially lower rate.
  • One Accident Forgiven – Some insurance companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for a discount up to 10% on Spark EV insurance.
  • Air Bag Discount – Factory air bags or automatic seat belts can receive discounts of 20% or more.
  • Auto/Life Discount – Some companies give better rates if you take out a life insurance policy as well.
  • Accident Free – Drivers who don’t have accidents pay less when compared to bad drivers.
  • Military Rewards – Being on active duty in the military could mean lower rates.

Drivers should understand that most discounts do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck. But any discount will bring down the cost of coverage.

A partial list of companies that possibly offer these benefits are:

It’s a good idea to ask each company which discounts they offer. Some discounts might not apply in every state.

You are unique and your auto insurance should be too

When it comes to choosing proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique.

These are some specific questions might help in determining if your situation may require specific advice.

  • What is the rate difference between pleasure use and commuting?
  • What is an SR-22 filing?
  • Is my ex-spouse still covered by my policy?
  • Can I afford to buy a different vehicle if my 2014 Chevy Spark EV is totaled?
  • Is my custom paint covered by insurance?
  • What if I total my 2014 Chevy Spark EV and owe more than it’s worth?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form.

Chevy Spark EV insurance rates have many determining factors

Smart consumers have a good feel for the rating factors that help determine auto insurance rates. Understanding what controls the rates you pay enables informed choices that may reward you with big savings.

  • Always keep insurance in force – Driving without insurance is illegal and as a result your rates will increase for letting your insurance expire. Not only will rates go up, but being ticketed for driving with no insurance can result in a revoked license or a big fine.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Add-on coverages can add up – There are a lot of extra bells and whistles that you can buy if you aren’t careful. Coverages for rental car reimbursement, towing coverage and term life insurance may be costing you every month. These may sound like a good investment when you first buy your policy, but if they’re wasting money eliminate them to save money.
  • Careful drivers pay lower rates – Just one citation can boost insurance rates twenty percent or more. Careful drivers tend to pay less for car insurance than bad drivers. Drivers who have serious citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 form with the DMV in their state in order to continue driving.
  • Consolidate policies to earn discounts – Most auto insurance companies provide better rates to policyholders who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to comparison shop to make sure you are getting the best deal.
  • Men are more aggressive – Statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Both sexes cause accidents at about the same rate, but men have costlier accidents. Men also receive more costly citations like DUI and reckless driving. Young males are most likely to cause an accident and thus pay the highest rates.
  • Better crash test results mean better rates – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles protect occupants better and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If your Chevy Spark EV earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Theft deterrents lower rates – Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.

Information about specific coverages

Learning about specific coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverage protection

This coverage will pay to fix damage to your Spark EV resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sideswiping another vehicle, scraping a guard rail and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Coverage for liability

This can cover damage or injury you incur to other people or property in an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like attorney fees, court costs, loss of income, legal defense fees and structural damage. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like EMT expenses, funeral costs, hospital visits, doctor visits and ambulance fees. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2014 Chevy Spark EV.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive auto insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like falling objects, damage from getting keyed, vandalism, fire damage and hitting a bird. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

One last thing

Throughout this article, we presented a lot of information how to reduce 2014 Chevy Spark EV insurance prices online. The key concept to understand is the more you quote, the better likelihood of reducing your rate. You may even discover the best prices are with a company that doesn’t do a lot of advertising.

When you buy insurance online, never buy less coverage just to save a little money. In many instances, an insured dropped uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

Low-cost insurance is possible from both online companies and with local insurance agents, and you need to comparison shop both to have the best rate selection. Some car insurance companies do not offer the ability to get a quote online and these smaller companies work with independent agents.

More information is available at the links below