2013 Chevrolet Spark Car Insurance Rates

Want better car insurance rates for your Chevrolet Spark? Trying to find better insurance prices for your Chevy Spark can be a painful process, but you can learn a few tricks and make it easy.

There are more efficient ways to compare car insurance rates and you need to know the proper way to get price quotes for a new or used Chevy and find the cheapest rates from both online companies and local agents.

Consumers should take time to quote other rates periodically because car insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best rates on Spark coverage a year ago you can probably find a better premium rate now. Ignore everything you know about car insurance because we’re going to demonstrate how to use the internet to find better coverage at a better price.

If you have a current car insurance policy or are just looking to switch companies, you can follow these tips to find the best rates and still get good coverage. Buying the best protection is not that difficult. Drivers only need to know the most efficient way to shop for car insurance online.

Shop insurance online

Shopping for lower insurance rates can take hours if you don’t understand the most efficient way to do it. You can waste a lot of time driving to agents in your area, or you can utilize the web for quick rates.

The majority of car insurance companies belong to a marketplace that enables customers to only type in their quote data once, and every company then returns a price quote based on that information. This eliminates the need for quote requests for each company you want a rate for.

To compare pricing click here to open in new window.

The only drawback to comparing rates this way is that you can’t choose the insurers to get quotes from. If you wish to select specific insurance companies to compare, we have a listing of insurance companies in your area. View list of insurance companies.

Whichever way you choose to compare rates, try to keep equivalent deductibles and coverage limits on every quote you get. If you enter mixed coverages it’s impossible to truly determine the lowest rate.

You are unique and your auto insurance should be too

When choosing the best auto insurance coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine if your insurance needs could use an agent’s help.

• What is PIP insurance?
• Which is better, split liability limits or combined limits?
• Am I covered if hit by an uninsured driver?
• Do I have coverage if my license is suspended?
• Is my dog or cat covered if injured in an accident?
• Do I need rental car coverage?
• Do I need an umbrella policy?
• Am I covered when using my vehicle for business?
• How high should deductibles be on a 2013 Chevy Spark?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

Specific coverages for a 2013 Chevy Spark

Knowing the specifics of insurance can help you determine the best coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your Chevy Spark.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.

Coverage for medical payments – Med pay and PIP coverage reimburse you for expenses for chiropractic care, hospital visits and pain medications. They are used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability – Liability coverage can cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like funeral expenses, emergency aid, pain and suffering and loss of income. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

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

Collision can pay for claims such as damaging your car on a curb, backing into a parked car, colliding with another moving vehicle and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverages – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a broken windshield, a tree branch falling on your vehicle, vandalism, damage from flooding and hail damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.