Cheap 2014 Chevrolet Spark EV Insurance Rates

Buyers have many options when searching for the lowest priced Chevy Spark EV insurance. They can either spend hours driving around trying to get quotes or utilize the internet to get rate quotes.

There are both good and bad ways to compare auto insurance rates so we’re going to tell you the absolute fastest way to compare rates for a Chevy and obtain the lowest price either online or from local insurance agents.

Take advantage of discounts

Insurance can cost an arm and a leg, but companies offer discounts that many people don’t even know exist. Some discounts apply automatically at quote time, but a few must be manually applied prior to getting the savings. If they aren’t giving you every credit available, you are throwing money away.

  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
  • Bundle and Save – When you have multiple policies with the same company you will save 10% to 20% off each policy.
  • Distant Student – Any of your kids who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% on Spark EV coverage with certain companies.
  • Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less on Spark EV coverage than drivers with accidents.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy before your current expiration date. The savings is around 10%.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Driver Safety – Completing a course in driver safety could cut 5% off your bill depending on where you live.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Theft Prevention Discount – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.

As a disclaimer on discounts, some credits don’t apply the the whole policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, car insurance companies aren’t that generous. Any amount of discount will cut the cost of coverage.

Car insurance companies that may offer some of the above discounts include:

Before buying, ask every prospective company what discounts are available to you. All car insurance discounts might not apply in your state.

How to know if you need help

When buying the best car insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every situation is different.

These are some specific questions might help in determining whether or not you would benefit from an agent’s advice.

  • Is my camper covered by my car insurance policy?
  • If my 2014 Chevy Spark EV is totaled, can I afford another vehicle?
  • Should I get collision insurance on every vehicle?
  • Am I covered if hit by an uninsured driver?
  • What is the ISO rating for a 2014 Chevy Spark EV?
  • Does my medical payments coverage pay my health insurance deductible?
  • Are all vehicle passengers covered by medical payments coverage?
  • What companies insure drivers after a DUI or DWI?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

Insurance specifics

Having a good grasp of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Coverage for liability – This coverage will cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like repair bills for other people’s vehicles, medical services and court costs. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, hitting a deer, damage from flooding and theft. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Chevy Spark EV.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are set the same as your liablity limits.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for ambulance fees, doctor visits and rehabilitation expenses. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision coverage – Collision coverage will pay to fix damage to your Spark EV resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like scraping a guard rail, damaging your car on a curb and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

In the end, you save

Lower-priced 2014 Chevy Spark EV insurance is attainable both online and also from your neighborhood agents, so you should compare both to have the best rate selection. There are still a few companies who may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

You just read a lot of ways to compare insurance prices online. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. You may even discover the lowest priced insurance coverage comes from the smaller companies.

As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. Too many times, someone sacrificed full coverage and discovered at claim time they didn’t purchase enough coverage. Your focus should be to buy enough coverage at a price you can afford.

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