2018 Chevrolet Spark Insurance Rates – 6 Discounts for Cheapest Quotes

Looking for lower auto insurance rates for your Chevrolet Spark? Did a good deal turn into an expensive auto insurance policy? You’re in good company because many consumers are in the same pinch. Since people have many insurance companies to choose from, it can be hard to find the most affordable insurance company.

It’s smart to price shop coverage periodically because insurance prices trend upward over time. Even if you got the best quotes for Spark coverage on your last policy you can probably find a better rate now. You can find a lot of misleading information regarding auto insurance out there, but you can learn some solid techniques on how to reduce your auto insurance bill.

Finding the best rates is quite easy. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these tips. Drivers only need an understanding of the proper methods to shop their coverage around online.

Double check you’re getting with these six discounts

Car insurance is not an enjoyable expense, but you may qualify for discounts to reduce the price significantly. Certain reductions will be credited when you quote, but lesser-known reductions have to be specifically requested before they will apply. If you check and find you aren’t receiving every discount possible, you could be saving more on your car insurance.

  • Home Ownership Discount – Owning a home can save a few bucks because maintaining a house shows financial diligence.
  • First Accident Forgiveness – but a handful of insurance companies will forgive one accident without getting socked with a rate hike so long as you are claim-free for a specific time period.
  • Accident-Free Discounts – Good drivers with no accidents get the best car insurance rates in comparison to bad drivers.
  • Telematics Discount – Insureds that choose to allow driving data submission to scrutinize their driving habits by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates as long as they are good drivers.
  • Life Insurance – Car insurance companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Federal Government Employee – Having worked for a branch of the government could cut as much as 10% off for Spark coverage with certain companies.

Just know that most of the big mark downs will not be given the the whole policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like it’s possible to get free car insurance, that’s just not realistic.

Companies and a selection of discounts are detailed below.

  • Progressive discounts include continuous coverage, homeowner, multi-vehicle, good student, multi-policy, online quote discount, and online signing.
  • Geico has savings for seat belt use, membership and employees, daytime running lights, anti-theft, and multi-vehicle.
  • State Farm may include discounts for multiple autos, accident-free, multiple policy, driver’s education, Drive Safe & Save, passive restraint, and defensive driving training.
  • Esurance offers premium reductions for claim free, defensive driver, good student, good driver, anti-lock brakes, and emergency road assistance.
  • The Hartford may have discounts that include anti-theft, good student, bundle, air bag, and vehicle fuel type.

When getting free insurance coverage quotes, it’s a good idea to each company which discounts can lower your rates. Some discounts listed above may not apply to policyholders in your area. To choose insurers who offer online car insurance quotes, click here.

Low cost insurance coverage prices

There are a lot of ways to compare insurance coverage quotes, but some are less time-consuming than others. You can spend countless hours discussing policy coverages with insurance agencies in your area, or you can stay home and use the internet to achieve your goal.

Many companies participate in a marketplace where insurance shoppers complete one form, and at least one company then returns a price quote based on the submitted data. This system prevents you from having to do form submissions for each company.

To participate in this free quote system, click here to start a free quote.

One minor caviat to getting quotes like this is that you can’t choose the insurers you want pricing from. So if you want to select individual companies for rate comparison, we have a listing of low cost insurance coverage companies in your area. Click here to view list.

Take whichever approach you prefer, but do your best to enter nearly identical coverage limits for each comparison quote. If you are comparing higher or lower deductibles it’s not possible to find the best deal for your Chevy Spark.

Your situation helps dictate your coverage

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different so your insurance needs to address that. For example, these questions can help discover whether or not you might need an agent’s assistance.

  • What is UM/UIM insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What is the difference between comprehensive and collision coverage?
  • Does coverage extend to my business vehicle?
  • Is business property covered if stolen from my car?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and may give you better protection.

Auto insurance 101

Having a good grasp of your policy can help you determine the right coverages for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages offered by insurance companies.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle 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 and damage to your 2018 Chevy Spark.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage – This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like fire damage, damage from getting keyed and theft. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability auto insurance – Liability coverage will cover damage that occurs to people or other property that is your fault. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against things such as funeral expenses, attorney fees, court costs and pain and suffering. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverages – This coverage pays for damage to your Spark resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with a tree, backing into a parked car, sideswiping another vehicle, rolling your car and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like pain medications, surgery and chiropractic care. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Be a Smart Shopper

You just read many ways to save on 2018 Chevy Spark insurance. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even discover the lowest priced insurance comes from the least-expected company. Regional companies may often insure only within specific states and give getter rates compared to the large companies like Progressive and Geico.

When shopping online for insurance, you should never skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

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