Lower Your 2013 Chevrolet Spark Insurance Cost
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UPDATED: May 11, 2022
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Locating cheaper Chevy Spark insurance costs can be a lot of work, but you can use these tips to make it easier. There is a better way to compare insurance rates so you’re going to learn the absolute fastest way to quote coverages for a Chevy and get the best price possible from local insurance agents and online providers.
How to Compare Chevy Spark Insurance Costs
Shopping for lower car insurance rates can take hours if you don’t understand the best way to get rate quotes. You could spend your day driving to agents in your area, or you could use the web for quick rates.
Many companies enroll in a system that allows shoppers to complete one form, and each participating company then gives them pricing based on that data. This system prevents you from having to do quote forms to each company.
To participate in this free quote system, click to open in new window.
The only drawback to using this type of system is that you can’t choose the providers you will receive quotes from. So if you want to choose specific providers to compare rates, we put together a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.
Which method you use is up to you, but ensure you are comparing identical coverage information with every price quote. If the quotes have different deductibles it’s not possible to make a fair comparison for your Chevy Spark.
More Discounts Equal Less Premium
Companies do not advertise all available discounts very well, so we researched some of the best known and the more hidden insurance coverage savings. If you don’t get every credit you deserve, you’re paying more than you need to.
- Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less for Chevy Spark insurance costs than less cautious drivers.
- No Charge for an Accident – Certain companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a set time period.
- Senior Discount – Older drivers may qualify for reduced rates for Spark insurance.
- Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
- Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
- Military Discounts – Being deployed with a military unit could mean lower rates.
Keep in mind that most credits do not apply to the entire policy premium. Most only reduce individual premiums such as comp or med pay. So when the math indicates you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.
Insurance companies that may offer these money-saving discounts are:
- The Hartford
- American Family
- Farmers Insurance
- Liberty Mutual
Double check with all companies you are considering which discounts you may be entitled to. Discounts might not be offered in your area.
It’s not one Size Fits All
When it comes to buying the best Chevy Spark insurance coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.
Here are some questions about coverages that might point out if your situation could use an agent’s help.
- Do I have coverage for damage caused while driving under the influence?
- Am I covered if I crash into my own garage door?
- Should I get collision insurance on every vehicle?
- I don’t drive much so do I pay less?
- Is other people’s property covered if stolen from my vehicle?
- Do I need PIP coverage since I have good health insurance?
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.
Coverages Available on Your Policy
Knowing the specifics of your policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.
Auto collision coverage
Collision coverage covers damage to your Spark caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for claims like crashing into a ditch, colliding with another moving vehicle and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.
Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like rock chips in glass, a broken windshield and hail damage. The most your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Medical expense coverage
Coverage for medical payments and/or PIP pay for expenses like funeral costs, chiropractic care, hospital visits and ambulance fees. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Uninsured or underinsured coverage
Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they 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.
Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
Liability auto insurance
This protects you from damages or injuries you inflict on people or other property that is your fault. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage protects against things such as repair bills for other people’s vehicles, funeral expenses and structural damage. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.
Be Smart and Buy Smart
Insureds switch companies for any number of reasons including poor customer service, lack of trust in their agent, delays in paying claims or even high prices. Regardless of your reason, finding a new insurance coverage company is not as hard as you think.
We just presented some good ideas how to get a better price on 2013 Chevy Spark insurance costs. The most important thing to understand is the more providers you compare, the better your comparison will be. Consumers could even find that the most savings is with a small local company.
As you prepare to switch companies, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice physical damage coverage only to regret at claim time that they should have had better coverage. The proper strategy is to buy enough coverage for the lowest price, not the least amount of coverage.
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