Cheap 2013 Chevrolet Spark Car Insurance Quotes

Finding low-cost insurance for a Chevy Spark can be a painful process, but you can learn a few tricks to find lower rates. There are more efficient ways to find car insurance online and we’ll show you the quickest way to compare rates for a new or used Chevy and get the cheapest rates from both online companies and local agents.

It’s smart to compare premium rates every six months since prices go up and down regularly. If you had the lowest rate on Spark insurance last year you can probably find a lower rate today. Forget all the misinformation about car insurance because I’m going to teach you the best methods to save on car insurance.

Buying car insurance is not rocket science. If you are insured now or need new coverage, you can use these techniques to find better prices while maximizing coverage. Consumers just need to understand the best way to compare company rates online.

Shop insurance online

All major insurance companies like Allstate and Progressive give prices for coverage online. The process is possible for anyone as you simply type in your coverage information into a form. When complete, their system collects credit information and your driving record and returns pricing information based on these factors.

This makes it easy to compare insurance prices but the time it takes to visit multiple sites and type in the same information is monotonous and tiresome. But it is imperative to do this if you are searching for a lower rate.

Isn’t there an easier way to compare rates?

The quickest way to find lower prices uses one simple form that analyzes rates from many companies. It saves time, requires less work, and makes online price comparison a lot less work. After sending the form, it is rated and you are able to buy any of the quotes returned. If the quotes result in lower rates, you can click and sign and buy the policy. It can be completed in a matter of minutes and you will find out if you’re overpaying now.

To quickly compare pricing, simply click here to open in new window and submit the form. If you have coverage now, it’s recommended you type in the insurance coverages as shown on your current policy. Using the same limits helps guarantee you will receive a fair comparison based on the exact same insurance coverage.

Cut insurance costs with these tips

Part of the insurance buying process is learning the rating factors that play a part in calculating the level of your policy premiums. If you understand what determines base rates, this empowers consumers to make smart changes that could help you find lower premium levels.

The following are some of the items utilized by car insurance companies to help set your premiums.

  • Pay more by driving carelessly – Careful drivers tend to pay less for car insurance as compared to careless drivers. Having just one citation can increase rates substantially. Drivers unfortunate enough to have flagrant violations like reckless driving or DUI are required to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to keep their license.
  • Premiums are high for teenagers – Inexperience drivers are known to be easily distracted in a vehicle and because of this, their insurance rates are much higher. If you’ve ever had to add a teen driver to your insurance policy can increase premiums substantially. More mature drivers are proven to be safer behind the wheel, tend to cause fewer accidents .
  • Women pay lower prices – Over the last 30 years, statistics show females are less aggressive when driving. Now that doesn’t mean women are better drivers. Both sexes cause accidents at a similar rate, but guys tend to have higher claims. Men also receive more costly citations such as DWI and reckless driving. Teenage male drivers are most likely to cause an accident and thus pay the highest rates.
  • Poor credit decisions can cost you – An insured’s credit rating factor in your rate calculation. People with high credit scores tend to file fewer claims than drivers with lower credit ratings. So if your credit history can be improved, you could be paying less to insure your 2013 Chevrolet Spark by taking the time to improve your credit score.
  • GPS tracking and theft deterrents reduce insurance rates – Owning a car that has a built-in theft deterrent system can get you a discount on your insurance. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft and help lower rates.
  • If you don’t need it don’t buy it – Insurance companies have many additional extra coverages that you can get tricked into buying on your Spark policy. Insurance for things like vanishing deductibles, high-cost glass coverage, and additional equipment coverage may be wasting your money. The coverages may be enticing when deciding what coverages you need, but if you don’t need them eliminate them to save money.
  • Use one insurance company and save – Most major insurance companies afford a discount for people who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare rates to make sure you are getting the best deal.
  • Comp and collision deductibles are a factor – Comprehensive and collision coverage deductibles define the amount you are required to spend before your insurance pays a claim. Insurance for physical damage to your car, aka comp and collision, insures against damage to your car. Some examples of covered claims are a windshield broken by a bird, damage caused by hail, or theft of your vehicle. The higher the amount you pay before a claim is paid (deductible), the better rate you will receive on Spark insurance.

Save a ton by receiving discounts

The cost of insuring your cars can be expensive, but companies offer discounts that could drop your premiums quite a bit. Certain credits will be shown at the time of quoting, but lesser-known reductions have to be manually applied before they will apply. If you are not receiving all the discounts you qualify for, you could be getting lower rates.

  • Accident Forgiveness – This isn’t a discount exactly, but companies like Geico and Allstate will let one accident slide without raising rates if you are claim-free prior to being involved in the accident.
  • Passive Restraints and Air Bags – Factory options such as air bags and/or automatic seat belt systems can receive discounts as much as 30%.
  • Buy New and Save – Buying a new car instead of a used car can save you some money since newer vehicles have better safety ratings.
  • Telematics Data – Drivers that enable driving data submission to track vehicle usage by using a telematic data system such as State Farm’s In-Drive may get a rate reduction if they exhibit good driving behavior.
  • Federal Government Employee – Simply working for the federal government may reduce rates when you quote auto insurance on Spark insurance with select insurance companies.
  • 55 and Retired – Older drivers can possibly qualify for lower premium rates on Spark insurance.
  • Switch and Save Discount – A few insurance companies give discounts for buying a new policy before your current policy expires. You can save around 10% with this discount.

Keep in mind that most credits do not apply the the whole policy. The majority will only reduce individual premiums such as comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, insurance companies aren’t that generous.

Larger insurance companies and a summarized list of policyholder discounts are shown below.

  • State Farm has savings for multiple policy, passive restraint, Steer Clear safe driver discount, driver’s education, anti-theft, good driver, and defensive driving training.
  • Geico offers premium reductions for military active duty, emergency military deployment, federal employee, membership and employees, good student, and defensive driver.
  • Allstate offers discounts for new car, auto/life discount, good student, eSmart discount, anti-lock brakes, and teenSMART discount.
  • SAFECO may have discounts that include homeowner, bundle discounts, teen safe driver, teen safety rewards, and drive less.
  • Farm Bureau has discounts for 55 and retired, multi-vehicle, multi-policy, driver training, renewal discount, and youthful driver.
  • Progressive may offer discounts for continuous coverage, multi-policy, multi-vehicle, homeowner, and online quote discount.
  • AAA discounts include multi-policy, education and occupation, good driver, pay-in-full, and AAA membership discount.

If you need cheaper auto insurance quotes, ask each company the best way to save money. Depending on the company, some discounts may not apply in your area. To locate providers that offer many of these discounts, click this link.

Your insurance coverage coverage should be tailored to you

When buying proper insurance coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining if your insurance needs would benefit from an agent’s advice.

  • What is covered by UM/UIM coverage?
  • What is UM/UIM insurance?
  • Is my babysitter covered when using my vehicle?
  • Am I covered if I wreck a rental car?
  • Does my policy cover me when driving someone else’s vehicle?
  • Should I put collision coverage on all my vehicles?
  • Is a fancy paint job covered?
  • Can I rent a car in Mexico?
  • Why does it cost so much to insure a teen driver?

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Detailed coverages of your insurance policy

Learning about specific coverages of insurance helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Chevy Spark.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like rock chips in glass, damage from flooding, damage from a tornado or hurricane and fire damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage pay for short-term medical expenses such as chiropractic care, funeral costs and pain medications. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Coverage for collisions

Collision insurance pays for damage to your Spark caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a ditch, sustaining damage from a pot hole, backing into a parked car, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Liability coverages

Liability insurance will cover damage that occurs to other people or property by causing an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers things such as structural damage, legal defense fees, loss of income, emergency aid and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Be a smart shopper

People change insurance companies for many reasons like high prices, lack of trust in their agent, policy cancellation and even poor customer service. Regardless of your reason for switching companies, finding the right insurance coverage provider is less work than it seems.

We just covered many ways to reduce 2013 Chevy Spark insurance car insurance rates online. It’s most important to understand that the more you quote auto insurance, the higher the chance of saving money. Consumers may even find the biggest savings come from the least-expected company.

Discount 2013 Chevy Spark insurance can be purchased both online in addition to local insurance agencies, so you should be comparing quotes from both so you have a total pricing picture. Some companies may not have the ability to get quotes online and many times these regional insurance providers only sell coverage through local independent agents.

More detailed insurance coverage information is available at these sites: