2015 Chevrolet Spark Insurance Quotes

Looking for better insurance rates for your Chevrolet Spark? Finding better insurance prices for a new or used Chevy Spark can turn out to be an all-consuming task, but you can follow our insurance buying tips to save time. There is a right way and a wrong way to buy insurance and we’ll show you the proper way to get price quotes for your Chevy and locate the cheapest rates.

Consumers need to get comparison quotes quite often because insurance prices are constantly changing. Even if you think you had the best rate for Spark insurance a year ago you can probably find a better premium rate now. Forget all the misinformation about insurance because you’re about to find out the best way to reduce your cost while improving coverage.

Finding affordable coverage is not rocket science. If you have a policy now or are looking for a new policy, you will benefit by learning to get lower rates while maximizing coverage. Drivers just need to learn the best way to shop their coverage around on the web.

Learn how to lower your insurance premiums

Consumers need to have an understanding of some of the elements that aid in calculating the rates you pay for insurance. If you understand what determines premiums, this enables informed choices that could help you find big savings.

The factors shown below are a partial list of the pieces utilized by car insurance companies to help set your prices.

  • Drive fewer miles and save – The more you drive in a year’s time the higher your rate. A lot of insurance companies charge rates based on how the vehicle is used. Autos that are left in the garage get more affordable rates compared to those used for work or business. Improper usage on your Spark may be costing you. Ask your agent if your policy states the correct usage.
  • Drive a safer car and pay less – Cars with five star safety ratings tend to have better insurance rates. These vehicles reduce occupant injuries and better occupant protection translates into fewer and smaller insurance claims and lower rates for you.
  • Your employer is a factor – Jobs such as doctors, executives and dentists tend to pay higher premiums than the average policyholder attributed to intense work situations and lots of time spent at work. Other jobs like professors, students and homemakers have the lowest average rates for Spark insurance.
  • Poor credit rating equals high rates – Credit rating will be a significant factor in calculating your insurance rates. Therefore, if your credit score is low, you could be paying less to insure your 2015 Chevrolet Spark by repairing your credit. Drivers with excellent credit tend to be more responsible as compared to drivers with poor credit.
  • Little extras can really add up – There are a ton of additional extra coverages that may not really be needed but may not be useful. Coverages like coverage for rental cars, high-cost glass coverage, and term life insurance could be just wasting money. They may seem like a good idea when deciding what coverages you need, but if you’ve never needed them in the past remove them from your policy.
  • Car plus home equals more savings – Some insurers give better rates to buyers who carry more than one policy such as combining an auto and homeowners policy. The discount can be ten or even fifteen percent. Even with this discount applied, it’s still a good idea to compare rates to guarantee you are still saving the most. It’s possible to still save more without the discount by buying from different companies
  • Stay claim-free and lower premiums – If you are a frequent claim filer, you can pretty much guarantee higher rates. Car insurance companies provide lower rates to policyholders who do not rely on their insurance for small claims. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Your liability insurance limits – The liability section of your policy kicks in if ever you are determined to be liable for damages caused by your negligence. It will provide you with a defense in court which can cost a lot. This coverage is very inexpensive compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.

The easiest way to compare car insurance rates is to know the fact all the major auto insurance companies allow for online access to compare rate quotes. The only thing you need to do is provide information such as if you are currently licensed, what you do for a living, your general credit rating, and if the car is leased. The data is instantly submitted to insurance carriers in your area and you get price estimates instantly.

To start a rate quote now, click here and enter your coverage details.

Do you really save 40% when you switch?

Consumers constantly see and hear ads for the lowest price insurance coverage by Allstate and Progressive. All the ads seem to make the promise that you’ll save big just by moving your policy.

How is it possible that every company can cost less than your current company?

Insurance providers have a certain “appetite” for the type of driver that earns them the highest profit. One example of a desirable risk might have to be a mature driver, has a clean driving record, and drives a vehicle with a low ISO rating. Any person that matches those criteria will qualify for the lowest premium rates and will most likely save when switching.

Consumers who don’t qualify for these criteria will see higher premium rates which leads to the customer not buying. The ads state “people who switch” but not “all drivers who get quotes” save money. That is how companies can make those claims. This really emphasizes why you should compare rate quotes every year. It is just not possible to predict with any certainty which company will give you lower car insurance rates than your current company.

Take advantage of every insurance coverage discount

Companies do not list all available discounts very clearly, so the list below details a few of the more common and also the lesser-known credits that may apply to you.

  • Defensive Driving Course – Passing a driver safety course can save you 5% or more and easily pay for the cost of the class.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy could earn a price break for each car.
  • Auto/Home Discount – If you can combine your auto and homeowners policy and place coverage with the same company you could get a discount of nearly 15% which can help you find low cost car insurance.
  • Accident Forgiveness Coverage – Not necessarily a discount, but a few companies such as Progressive, Allstate, and Liberty Mutual permit an accident before hitting you with a surcharge so long as you are claim-free for a particular time prior to the accident.
  • Discount for Life Insurance – Select companies reward you with lower premium rates if you buy life insurance.
  • Theft Prevention System – Cars equipped with tracking devices and advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more for Spark insurance than their less cautious counterparts.
  • Telematics Discount – People who choose to allow data collection to study driving habits by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if their driving habits are good.
  • Senior Discount – Older drivers may be able to get a slight reduction on a car insurance quote for Spark insurance.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.

Drivers should understand that most credits do not apply the the whole policy. Some only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, insurance companies wouldn’t stay in business. Any qualifying discounts should help reduce your policy premium.

A list of companies and some of the discounts can be found below.

  • American Family offers premium reductions for bundled insurance, air bags, good driver, defensive driver, and TimeAway discount.
  • Nationwide offers discounts for defensive driving, multi-policy, accident-free, Farm Bureau membership, and anti-theft.
  • MetLife has discounts for defensive driver, accident-free, multi-policy, good driver, good student, claim-free
  • 21st Century offers discounts including homeowners, defensive driver, driver training, theft prevention, and good student.
  • Farmers Insurance may offer discounts for distant student, business and professional, youthful driver, bundle discounts, mature driver, and early shopping.
  • Allstate may have discounts that include economy car, eSmart discount, teenSMART discount, auto/life discount, and 55 and retired.

When getting a coverage quote, ask all the companies what discounts are available to you. Some credits may not be offered in your area. To view insurers who offer cheap insurance coverage quotes, click here.

How to know if you need help

When choosing the best insurance coverage coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different.

For example, these questions might help in determining if you might need an agent’s assistance.

  • When does my teenage driver need to be added to my policy?
  • Is my trailer covered?
  • Do I need rental car coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • Can I make deliveries for my home business?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What vehicles should carry emergency assistance coverage?
  • Which companies will insure high-risk drivers?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form. It is quick, free and you can get the answers you need.

Specifics of your insurance policy

Knowing the specifics of your policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as hospital visits, chiropractic care, funeral costs and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with another moving vehicle, colliding with a tree, backing into a parked car, sideswiping another vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your 2015 Chevy Spark.

Since a lot of 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 should not be overlooked.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like fire damage, hitting a deer, a tree branch falling on your vehicle and hail damage. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability auto insurance

Liability coverage can cover damage or injury you incur to other people or property in an accident. This insurance protects YOU against claims from other people. It does not 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 might see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as attorney fees, repair costs for stationary objects, medical expenses, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Never pay more for less

As you go through the steps to switch your coverage, it’s not a good idea to buy less coverage just to save a little money. There are many occasions where an insured dropped comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. The aim is to purchase plenty of coverage at a price you can afford while still protecting your assets.

Budget-friendly car insurance is definitely available online in addition to local insurance agencies, and you need to comparison shop both to have the best selection. There are still a few companies who may not offer online price quotes and many times these smaller providers only sell through independent agents.

We just showed you a lot of tips how to get a better price on 2015 Chevy Spark insurance. The key concept to understand is the more quotes you get, the better likelihood of getting low cost car insurance. You may be surprised to find that the lowest auto insurance rates are with a company that doesn’t do a lot of advertising.

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