Cheap 2016 Chevrolet Spark Car Insurance Quotes

No car owner likes buying insurance, especially when the prices are way too high.

With consumers having so many insurance companies to choose from, it’s difficult to pick a more affordable insurer.

Pricing cheaper coverage can be fairly easy. In a nutshell, everyone who is required by state law to have insurance coverage will be able to lower their premiums. But consumers can benefit by having an understanding of the methods companies use to price online insurance and use this information to your advantage.

Get affordable insurance rates with discounts

Insurance is neither fun to buy or cheap, but you can get discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically when you purchase, but occassionally some discounts must be inquired about prior to getting the savings.

  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts could save 15% on the premium charged for medical payments and/or PIP.
  • ABS Brakes – Cars equipped with ABS or steering control can reduce accidents so you can save 10 percent or more.
  • Accident Forgiveness – Not necessarily a discount, but certain companies permit an accident before hitting you with a surcharge so long as you are claim-free prior to being involved in the accident.
  • Payment Method – By paying your entire bill at once rather than paying in monthly installments you can actually save on your bill.
  • College Student – Older children who attend college more than 100 miles from home without a vehicle on campus could qualify for this discount.
  • Low Miles Discount – Driving less can qualify you for cheaper insurancerates.
  • No Claims – Drivers who stay claim-free have much lower rates when compared with drivers who are more careless.
  • Defensive Driving Course – Taking part in a defensive driving course is a good idea and can lower rates and also improve your driving technique.

A little note about advertised discounts, many deductions do not apply to the entire cost. The majority will only reduce individual premiums such as collision or personal injury protection. So even though you would think adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

A list of companies and their possible discounts are shown below.

  • State Farm offers discounts for good driver, anti-theft, defensive driving training, Steer Clear safe driver discount, student away at school, driver’s education, and passive restraint.
  • Liberty Mutual may offer discounts for multi-policy, new move discount, multi-car, newly retired, new vehicle discount, preferred payment discount, and hybrid vehicle.
  • American Family policyholders can earn discounts including TimeAway discount, mySafetyValet, bundled insurance, good driver, multi-vehicle, and defensive driver.
  • Progressive has savings for multi-policy, continuous coverage, good student, online quote discount, online signing, and homeowner.
  • Farmers Insurance may include discounts for pay in full, switch companies, homeowner, bundle discounts, good student, and alternative fuel.
  • Auto-Owners Insurance has discounts for mature driver, anti-lock brakes, air bags, safe vehicle, good student, and anti-theft.
  • SAFECO offers premium reductions for anti-theft, safe driver, teen safe driver, homeowner, and drive less.

If you need lower rates, check with each insurance company what discounts are available to you. Some discounts listed above may not apply to policyholders in your state. To find insurance companies that offer the discounts shown above, click here.

What determines Chevy Spark insurance prices?

Lots of things are part of the equation when pricing auto insurance. Some factors are common sense like your driving record, but others are less obvious such as whether you are married and annual miles driven.Consumers need to have an understanding of some of the things that help determine the level of your policy premiums. If you have a feel for what determines premiums, this helps enable you to make changes that may result in lower premium levels.

  • Youthful drivers pay high costs – More mature drivers are proven to be safer behind the wheel, tend to file fewer claims .Youthful drivers are statistically shown to be more careless when at the wheel of a vehicle so they pay higher insurance rates.
  • Battle of the sexes – Over the last 50 years, statistics have shown that women are safer drivers than men. Now that doesn’t mean males are worse at driving than females. Men and women cause auto accidents at a similar rate, but guys get into accidents with more damage. Men also get cited for more serious violations such as reckless driving. Males from age 16 to 21 have the highest risk to insure and are penalized with high insurance rates.
  • Lower prices with uninterrupted coverage – Allowing your insurance policy to lapse will be a quick way to trigger a rate increase. Not only will rates go up, getting caught without coverage can result in a license revocation or jail time.
  • Location can impact price – Residing in areas with lower population may provide you with better prices when trying to find low car insurance rates. Fewer people translates into fewer accident claims in addition to fewer liability claims. Drivers who live in large cities have to deal with congested traffic and a longer drive to work. Longer commute distances means a statistically higher chance of an accident.
  • Policy claims cost money – If you’re an insured who likes to file claims you shouldn’t be surprised to get higher premiums or even policy non-renewal. Auto insurance companies give the lowest premiums to people who do not file claims often. Your insurance policy is designed for larger claims.
  • Drivers with good credit save – Having a bad credit history factor in calculating your premium rate. Drivers with very high credit ratings tend to be more responsible and file fewer claims than drivers with lower credit ratings. So if your credit history can be improved, you could save money insuring your 2016 Chevrolet Spark by repairing your credit.
  • Prevent your car from being stolen – Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms all help stop auto theft.
  • Lower stress equals lower premiums – Occupations such as real estate brokerspolice officers and accountants are shown to have higher premiums than the average policyholder in part from job stress and long work days. Conversely, careers such as scientists, engineers and homemakers have the lowest average rates for Spark insurance.

Tailor your car insurance coverage to you

When buying coverage for your personal vehicles, there is no single plan that fits everyone. Every situation is different so your insurance should reflect that For example, these questions can aid in determining if your situation will benefit from professional help.

  • Is a new car covered when I drive it off the dealer lot?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does liability extend to a camper or trailer?
  • When should I not file a claim?
  • Does insurance cover damages from a DUI accident?
  • Can I afford low physical damage deductibles?
  • Do I need roadside assistance coverage?

If it’s difficult to answer those questions then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area.

Insurance specifics

Understanding the coverages of insurance can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by insurance companies.

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hail damage, rock chips in glass, hitting a deer, vandalism and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your 2016 Chevy Spark.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally these limits are similar to your liability insurance amounts.

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

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as bail bonds, legal defense fees and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sustaining damage from a pot hole, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as nursing services, X-ray expenses, rehabilitation expenses, ambulance fees and EMT expenses. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Final considerations

You just read a lot of techniques to lower your 2016 Chevy Spark insurance prices. The most important thing to understand is the more you quote car insurance, the more likely it is that you will get a better rate. Consumers may even find the most savings is with a small local company. They may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

A few companies do not offer the ability to get quotes online and most of the time these small insurance companies prefer to sell through independent agencies. Budget-conscious 2016 Chevy Spark insurance is possible from both online companies as well as from independent agents, and you need to price shop both to have the best selection.

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