Compare 2016 Chevrolet Spark EV Insurance Quotes

Buyers have a choice when searching for the lowest priced Chevy Spark EV insurance. You can either spend your time contacting agents trying to get quotes or use the internet to compare rates. There is a better way to buy insurance so we’re going to tell you the quickest way to price shop coverage on a Chevy and find the lowest possible price from local insurance agents and online providers.

Finding affordable coverage is not rocket science. If you are paying for car insurance now, you should be able to cut costs considerably using these techniques. Vehicle owners just need to know the proper methods to find the lowest price online.

The quickest method we recommend to compare rates is to understand most of the larger companies allow for online access to provide you with a free rate quote. To get started, all you need to do is give them some information such as daily mileage, if it has an alarm system, level of coverage desired, and if you are currently licensed. That information is then submitted to many of the top insurers and they return cost estimate quickly.

To check 2016 Chevy Spark EV insurance prices now, click here and complete the quick form.

Get affordable car insurance rates with discounts

Car insurance is not inexpensive, but there are discounts available to help offset the cost. Some trigger automatically at the time you complete a quote, but a few must be manually applied before you will receive the discount.

  • Low Miles Discount – Low mileage vehicles may allow you to get better rates on cars that stay parked.
  • Seat Belts Save more than Lives – Drivers who require all occupants to fasten their seat belts could save 15% on the premium charged for medical payments and/or PIP.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags may qualify for discounts of 20% or more.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and therefore earn up to a 10% discount.
  • Accident Forgiveness – but a few companies such as Liberty Mutual and Geico will forgive one accident without raising rates so long as you are claim-free before the accident.
  • Driving Data Discount – Drivers who elect to allow companies to analyze driving patterns by using a telematic data system such as State Farm’s In-Drive might see lower rates if they are good drivers.
  • Senior Citizens – Older drivers are able to get lower premium rates on Spark EV insurance.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most cut the cost of specific coverages such as comp or med pay. So even though you would think it’s possible to get free car insurance, you won’t be that lucky. But all discounts will positively reduce your overall bill.

A few of the larger companies and their possible discounts are shown below.

  • State Farm may include discounts for multiple policy, passive restraint, student away at school, driver’s education, and good driver.
  • Farmers Insurance policyholders can earn discounts including switch companies, homeowner, multi-car, good student, electronic funds transfer, and youthful driver.
  • Geico includes discounts for driver training, military active duty, anti-theft, emergency military deployment, daytime running lights, anti-lock brakes, and air bags.
  • American Family discounts include accident-free, multi-vehicle, air bags, Steer into Savings, defensive driver, and early bird.
  • Nationwide may offer discounts for family plan, anti-theft, multi-policy, good student, easy pay, defensive driving, and business or organization.
  • Progressive offers discounts including good student, continuous coverage, homeowner, multi-vehicle, multi-policy, and online signing.

When comparing rates, check with all companies you are considering to give you their best rates. All car insurance discounts might not be available to policyholders in your area.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage for your personal vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions can help discover if you could use an agent’s help.

  • Am I getting all the discounts available?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered if my car is in a flood?
  • When should my teen driver be added to my policy?
  • Are my friends covered when driving my car?
  • What is the rate difference between pleasure use and commuting?
  • Will filing a claim cost me more?
  • What can I do if my company won’t pay a claim?
  • Should I waive the damage coverage when renting a car?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, complete this form. It is quick, free and may give you better protection.

How insurance companies calculate Chevy Spark EV insurance premiums

Part of the insurance buying process is learning the different types of things that aid in calculating your premiums. When you know what positively or negatively determines base rates, this helps enable you to make changes that may reward you with lower premium levels. Many different elements are considered when premium rates are determined. Some are pretty understandable such as traffic violations, but some are less obvious such as your marital status or your vehicle rating.

  • Big city or small town – Being located in less populated areas is a good thing when shopping for auto insurance. Residents of big cities have to deal with traffic congestion and much longer commute distances. Lower population means a lower chance of having an accident in addition to fewer liability claims.
  • Drivers with good credit save – Having a good credit history is a big factor in determining what you pay for insurance. Therefore, if your credit rating is lower than you’d like, you could save money insuring your 2016 Chevrolet Spark EV by taking the time to improve your credit score. People with good credit tend to be more responsible and file fewer claims than those with worse credit.
  • Filing claims can cost you – If you are the type of insured that files lots of claims you shouldn’t be surprised to get either higher rates or even cancellation. Companies award discounts to people who are not frequent claim filers. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Multiple policies with one company can save – Some insurance companies afford discounts to insureds that purchase more than one policy in the form of a multi-policy discount. The discount can add up to as much as ten percent or more Even with this discount applied, it’s in your best interest to compare other insurance prices to confirm you are receiving the best rates possible. You may still be able to find a better deal even if you insure with multiple companies
  • Higher deductibles reduce costs – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Chevy. A few examples of covered claims could be running into the backend of another car, hitting a deer, and damage from a fallen tree branch. Comp and collision deductibles state the amount of money you are willing to pay out-of-pocket if a covered claim is submitted. The more the insured has to pay upfront, the lower your rates will be on Spark EV insurance.
  • Good drivers pay better rates – Only having one ticket can increase the cost of insurance twenty percent or more. Careful drivers get better rates than people who have multiple driving citations. Drivers unfortunate enough to have license-revoking citations such as hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent their license from being revoked.

Insurance companies are expert advertisers

Consumers constantly see and hear ads that claim the best prices from companies such as State Farm, Allstate and Geico. They all seem to make an identical promise that drivers will save a bundle if you change your policy.

How is it possible that every company can make almost identical claims? It’s all in how they say it.

All the different companies have an ideal profile for the type of insured that earns them a profit. For instance, a driver they prefer could be over the age of 35, has never had a claim, and drives a vehicle with a low ISO rating. Any new insured who fits those characteristics will get low premium rates and as a result will probably save if they switch.

Consumers who don’t qualify for these criteria may be required to pay higher rates which leads to the customer not purchasing. The ads state “people who switch” but not “all drivers who get quotes” save money. That’s the way companies can truthfully lure you into getting a quote. Because every company is different, you should quote coverage with many companies. It is impossible to guess with any certainty which company will have the lowest rate quotes.

Car insurance specifics

Understanding the coverages of your car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Chevy Spark EV.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability insurance

This will cover damage that occurs to other people or property by causing an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that means you have $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.

Liability coverage protects against things like funeral expenses, repair costs for stationary objects, medical expenses and medical services. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for expenses such as ambulance fees, EMT expenses, hospital visits, rehabilitation expenses and doctor visits. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Coverage for collisions

This pays to fix your vehicle from damage 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 coverage protects against claims such as driving through your garage door, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as falling objects, rock chips in glass and theft. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Quote more, save more

As you shop your coverage around, it’s very important that you do not buy less coverage just to save a little money. There are many occasions where someone dropped comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. The proper strategy is to buy enough coverage at the best cost, but do not sacrifice coverage to save money.

Cheaper 2016 Chevy Spark EV insurance is possible both online and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies may not have internet price quotes and these smaller providers provide coverage only through independent agencies.

Throughout this article, we presented many ways to get a better price on 2016 Chevy Spark EV insurance. The most important thing to understand is the more companies you get premium rates for, the better likelihood of getting low cost insurance. Drivers may discover the best price on insurance is with a company that doesn’t do a lot of advertising.

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