View 2021 Chevrolet Spark Car Insurance Rates in 2024

Being forced to pay for pricey insurance premiums can empty your checking account and maybe even restrict other spending. Doing a price comparison can lower your rates and help to make ends meet.

Numerous insurers battle for your business, so it can be very hard to choose a company to find the absolute best rates possible.

How much is auto insurance?

When shopping for auto insurance there are multiple ways to compare rate quotes from all the different companies. The quickest method to find cheaper 2021 Chevy Spark rates is to jump online and get quotes. This is very easy and can be done in a couple minutes as outlined below.

The easiest and least time consuming way to get quotes is a comparison rater form. This type of form saves time by eliminating separate quotes to each individual auto insurance company. One form gets rate comparisons from several companies.

A more time consuming way to get quotes online requires a visit to each company’s website to request a price quote. For examples sake, we’ll pretend you want to see prices from Liberty Mutual, Progressive and State Farm. To get each rate you have to take the time to go to each site and punch in your information repeatedly, which is not fast way to get rate quotes.

Take whichever approach you prefer, but make sure you are using apples-to-apples coverages and limits on every price quote you get. If you have differing limits it will be impossible to make a fair rate comparison. Just slight variations in insurance coverages or limits may result in a large different in cost. And when comparing auto insurance rates, know that getting more free quotes will increase your chances of finding the best rates. Some companies don’t provide online price quotes, so you need to compare rates from the smaller companies as well.

You are unique and your car insurance should be too

When it comes to buying adequate coverage for your vehicles, there really is no best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can aid in determining whether or not you could use an agent’s help.

• Does my liability insurance cover pulling a trailer or camper?
• How much underlying liability do I need for an umbrella policy?
• Can my babysitter drive my car?
• What is PIP insurance?
• When should my teen driver be added to my policy?
• Is a blown tire covered by insurance?
• Should I drop comprehensive coverage on older vehicles?
• What is covered by UM/UIM coverage?
• What should my uninsured motorist coverage limits be in my state?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete your zip code.

Parts of your insurance policy

Knowing the specifics of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages available from insurance companies.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like EMT expenses, rehabilitation expenses and nursing services. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverage – Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims like medical expenses, attorney fees, emergency aid, structural damage and bail bonds. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Collision coverage – Collision insurance pays for damage to your Spark resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like rolling your car, colliding with another moving vehicle, hitting a mailbox, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverage – This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Chevy Spark.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.