How Much Does 2014 Chevrolet Spark Car Insurance Cost?

Looking for lower insurance rates for your Chevrolet Spark? Are you frustrated by the sheer number of insurance companies in your area? You’re not alone. consumers have such a vast assortment of companies available that it can be a real hassle to find the best prices.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these techniques. Pricing the cheapest insurance coverage is quite easy. But vehicle owners must know the methods companies use to market insurance on the web because it can help you find the best coverage.

Get affordable insurance insurance coverage with discounts

Some insurers don’t always advertise all possible discounts very well, so we took the time to find a few of the more common and the harder-to-find savings tricks you should be using when you buy auto insurance online. If you do not check that you are getting every discount you qualify for, you’re just leaving money on the table.

  • Theft Prevention Discount – Vehicles that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Sign Early and Save – A few insurance coverage companies allow discounts for buying a new policy before your current coverage expires. You can save around 10% with this discount.
  • Early Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Accident Waiver – This one isn’t a discount, but some companies like Geico and Allstate may permit one accident before raising your premiums as long as you don’t have any claims for a specific time period.
  • Drive Less and Save – Driving less may allow you to get cheaper insurance coveragerates.
  • Discount for Multiple Policies – When you have multiple policies and place coverage with the same company you could save as much as 10 to 15 percent.

Please keep in mind that many deductions do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you could get a free insurance coverage policy, you won’t be that lucky.

A few of the larger companies and some of the premium reductions they offer can be found below.

  • State Farm policyholders can earn discounts including accident-free, good driver, student away at school, Drive Safe & Save, good student, defensive driving training, and driver’s education.
  • Geico includes discounts for driver training, good student, emergency military deployment, multi-policy, daytime running lights, and air bags.
  • Allstate may include discounts for good payer, early signing, premier plus, 55 and retired, safe driver, resident student, and farm vehicle.
  • SAFECO offers premium reductions for anti-lock brakes, multi-car, teen safe driver, safe driver, teen safety rewards, and drive less.
  • Farm Bureau may have discounts that include renewal discount, driver training, multi-policy, safe driver, 55 and retired, good student, and multi-vehicle.
  • Progressive offers discounts including online quote discount, continuous coverage, good student, multi-policy, multi-vehicle, and homeowner.
  • AAA discounts include education and occupation, good student, multi-policy, AAA membership discount, multi-car, and anti-theft.

It’s a good idea to ask every company what discounts are available to you. Some of the earlier mentioned discounts may not be offered everywhere.

Informed drivers can lower their insurance costs

One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the elements that help determine insurance coverage rates. When you know what positively or negatively determines premiums, this enables informed choices that will entitle you to lower insurance coverage prices. Lots of factors are used in the calculation when pricing auto insurance. Some factors are common sense such as traffic violations, but others are less obvious such as your marital status or your vehicle rating.

  • Why do you need liability insurance? – The liability section of your policy kicks in if a court rules you are at fault for causing damage or personal injury in an accident. Your liability coverage provides for a legal defense which can cost a lot. This coverage is relatively inexpensive when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Lower rates come with age – Beginning drivers are statistically proven to be more careless when behind the wheel and because of this, their insurance coverage rates are much higher. Older, more experienced drivers tend to be more responsible, are lower risk to insure , and are generally more financially stable.
  • Keep insurance claims to a minimum – If you file a lot of claims you should expect either a policy non-renewal or much higher rates. Companies generally give lower rates to people who do not file claims often. Your car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Getting married brings a discount – Walking down the aisle may earn you lower rates compared to being single. Having a spouse demonstrates that you tend to be more mature than a single person and it’s proven that drivers who are married file infrequent claims.

Tailor your insurance coverage to you

When it comes to buying coverage, there is no “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine if you might need an agent’s assistance.

  • Is my 2014 Chevy Spark covered for flood damage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does car insurance cover theft of personal property?
  • What are the financial responsibility laws in my state?
  • At what point should I drop full coverage?
  • How do I buy GAP insurance?
  • Am I covered if hit by an uninsured driver?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Car insurance coverage information

Knowing the specifics of insurance aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision coverage – This coverage covers damage to your Spark from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sustaining damage from a pot hole, colliding with another moving vehicle and rolling your car. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage 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. For this reason, having high UM/UIM coverages is very important. Usually these coverages are similar to your liability insurance amounts.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as ambulance fees, X-ray expenses and prosthetic devices. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Liability coverage – This protects you from injuries or damage you cause to other people or property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see 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 $50,000 of coverage for damaged propery. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims such as court costs, structural damage, medical expenses, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Comprehensive insurance – Comprehensive insurance will pay to fix 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 coverage pays for things such as damage from getting keyed, vandalism and hail damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Be a penny pincher

In this article, we covered quite a bit of information on how to shop for 2014 Chevy Spark insurance online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding cheaper auto insurance. Consumers may even find the most savings is with an unexpected company.

Drivers switch companies for many reasons like unfair underwriting practices, extreme rates for teen drivers, poor customer service and high rates after DUI convictions. Regardless of your reason for switching companies, finding a great new company is pretty simple and you could end up saving a buck or two.

Lower-priced 2014 Chevy Spark insurance is attainable online as well as from insurance agents, so get free auto insurance quotes from both of them in order to have the best chance of saving money. There are still a few companies who do not offer online price quotes and many times these smaller companies only sell coverage through independent insurance agencies.

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