2018 Chevrolet Spark Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 16, 2024

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Wish you could get a refund on high-priced insurance coverage? Say no more because there are lots of people in the same boat.

Many car insurance companies compete to insure your vehicles, so it can be very hard to choose a provider and get the definite lowest rate

Consumers should take time to price shop coverage before your policy renews because prices change frequently. Just because you had the best price for Spark insurance two years ago you will most likely find a better rate today. Forget all the misinformation about insurance coverage because you’re going to learn the proper way to find better rates and still maintain coverage.

If you have car insurance now, you will be able to reduce your rates substantially using these tips. Choosing the best insurance company for you is not that difficult. But vehicle owners must learn the way companies market on the web and use this information to your advantage.

Earn discounts on insurance coverage

Car insurance is not cheap, but you might find some hidden discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied when you get a quote, but a few must be asked about before they will apply.

  • Clubs and Organizations – Being a member of qualifying clubs or civic groups is a good way to get lower rates on insurance coverage.
  • Paperwork-free – Some of the larger companies may give you up to $50 for buying your policy digitally online.
  • Theft Prevention Discount – Vehicles with anti-theft systems have a lower chance of being stolen and will qualify for a discount on a car insurance quote.
  • Switch and Save Discount – Some companies reward drivers for renewing your policy prior to your current policy expiration. This can save 10% or more.
  • Discount for Home Ownership – Just being a homeowner can help you save on insurance coverage because of the fact that having a home demonstrates responsibility.
  • New Car Discount – Putting coverage on a new car can save up to 30% because newer models keep occupants safer.
  • Government Employees – Federal government employees may reduce rates when you quote car insurance for Spark insurance but check with your company.
  • Multiple Cars – Drivers who insure primary and secondary vehicles on the same insurance coverage policy qualifies for this discount.

Discounts lower rates, but most credits do not apply to the entire cost. Some only reduce individual premiums such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, you’re out of luck. But all discounts will help reduce your insurance coverage premiums.

A list of insurance coverage companies and some of the discounts are outlined below.

  • State Farm policyholders can earn discounts including safe vehicle, driver’s education, multiple autos, good student, and accident-free.
  • GEICO may offer discounts for five-year accident-free, multi-vehicle, military active duty, federal employee, emergency military deployment, seat belt use, and driver training.
  • Allstate offers premium reductions for senior citizen, economy car, good payer, early signing, resident student, new car, and auto/life discount.
  • SAFECO includes discounts for teen safe driver, anti-theft, accident prevention training, homeowner, teen safety rewards, and multi-car.
  • Farm Bureau has discounts for good student, multi-vehicle, multi-policy, renewal discount, youthful driver, and 55 and retired.
  • Progressive discounts include homeowner, continuous coverage, online signing, good student, and online quote discount.
  • AAA may include discounts for anti-theft, multi-car, AAA membership discount, multi-policy, and good driver.

If you need low cost car insurance quotes, ask every prospective company what discounts are available to you. All car insurance discounts may not apply in your state. To choose providers that offer the discounts shown above, enter your zip code here.

Cheapest auto insurance rate quotes

There are multiple methods to compare auto insurance prices but some are less labor-intensive and much quicker. You can spend your afternoon discussing policy coverages with local insurance agents in your area, or you can stay home and use the internet to quickly compare rates.

All the larger companies take part in a program where prospective buyers submit their information once, and each company returns a rated price determined by their information. This system prevents you from having to do form submissions for each company you want a rate for.

To submit your quote information now, enter your zip code here.

The only downside to using this type of form is you are unable to specify the insurers to get pricing from. If you wish to select specific insurance companies to request quotes from, we have assembled a list of the cheapest auto insurance companies in your area. Click to enter zip code.

Which method you use is up to you, but try to keep apples-to-apples deductibles and coverage limits with each company. If your comparisons have different liability limits it will be very difficult to determine the lowest rate for your Chevy Spark. Slightly different insurance coverages could throw off the whole comparison. And when quoting auto insurance, remember that having more price comparisons helps locate more affordable rates. Some companies don’t provide prices over the internet, so it’s important to also get quotes from the smaller companies as well.

Informed drivers can reduce their insurance premiums

Smart consumers have a good feel for the factors that play a part in calculating your policy premiums. When you understand what controls the rates you pay, this allows you to make educated decisions that can help you get big savings. Many things are used when you get your auto insurance bill. A few of the factors are predictable like your driving record, but others are not as apparent like your vehicle usage or your commute time.

  • Better drivers pay lower costs – Being a careful driver can have a huge impact on auto insurance premiums. Drivers with clean records have lower premiums as compared to those with violations. Even a single chargeable violation may increase your cost by twenty percent. Drivers who get flagrant violations such as DWI, reckless driving or hit and run convictions may find they need to maintain a SR-22 with their state’s department of motor vehicles in order to keep their license.
  • Commute or pleasure use – Driving a lot of miles every year the higher your rate. A lot of insurance companies charge to insure your cars based on their usage. Cars and trucks not used for work or commuting receive lower rates than vehicles that have high annual mileage. Make sure your auto insurance policy is showing the correct usage for each vehicle. A policy that improperly rates your Spark may be costing you higher rates.
  • Lower rates come with age – Beginning drivers are known to be less responsible in a vehicle so auto insurance rates are higher. More mature drivers are proven to be safer behind the wheel, statistically cause fewer accidents and tend to be get fewer driving tickets.
  • Married drivers pay less – Getting married can get you a discount when shopping for auto insurance. Marriage is viewed as being more responsible and statistics prove being married results in fewer claims.
  • Allowing your policy to lapse raises auto insurance rates – Driving with no insurance is a big no-no and auto insurance companies will penalize you for letting your insurance coverage expire. Not only will you pay more, being ticketed for driving with no insurance can result in fines or a revoked license.
  • Safer vehicles save money – Cars with five star safety ratings are cheaper to insure. These vehicles reduce occupant injuries and fewer injuries translates directly to fewer claims passed on to you as lower rates. If your Chevy Spark earned at least four stars on Safercar.gov you are probably receiving a discount.
  • Consolidate policies to earn discounts – Most insurers apply a discount to people who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount applied, you still need to check prices from other companies to help ensure you have the lowest rates.
  • Safeguard your assets with liability protection – Liability coverage is the protection in the event that you are responsible for causing damage or personal injury in an accident. Liability insurance provides legal defense starting from day one. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so do not skimp.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage, there really is no “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. For instance, these questions might help in determining whether you might need an agent’s assistance.

  • Can my teen driver be rated on a liability-only vehicle?
  • Exactly who is provided coverage by my policy?
  • Should I rate my 2018 Chevy Spark as pleasure use or commute?
  • Is my cargo covered for damage or theft?
  • Where can I find high-risk insurance?
  • Should I buy full coverage?
  • Do I need higher collision deductibles?
  • Am I covered if I drive in a foreign country?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, fill out your zip code.

Don’t believe everything you hear

Insurance companies such as 21st Century, Allstate and State Farm consistently run ads on TV and radio. All the companies make the same claim that drivers will save a bundle if you change your policy. How does every company save you money? It’s all in the wording.

Companies quote the lowest rates for the type of driver that makes them money. A good example of a profitable customer could be a married female, owns a home, and does not commute to work. A driver that fits those parameters will get very good premium rates and have a good chance to save a lot of money.

Potential customers who don’t meet this stringent profile will be quoted a higher rate which usually ends up with the customer buying from someone else. The ad wording is “customers that switch” but not “all drivers who get quotes” save that much money. That’s why companies can state the savings. Because of the profiling, you really should compare as many free car insurance quotes as you can. It’s not possible to predict which insurance company will provide you with the cheapest premium rates.

Specific coverage details

Having a good grasp of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages available from insurance companies.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with a tree, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

UM/UIM Coverage

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as theft, a broken windshield, falling objects, damage from flooding and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability

This can cover damage or injury you incur to a person or their property that is your fault. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as loss of income, pain and suffering, legal defense fees and court costs. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance

Med pay and PIP coverage kick in for bills like surgery, hospital visits, X-ray expenses and nursing services. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

At the end of the day…

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped liability coverage limits only to find out that it was a big mistake. Your objective should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

Affordable 2018 Chevy Spark insurance is possible online in addition to local insurance agencies, so get free car insurance quotes from both of them to have the best selection. Some insurance coverage companies may not provide internet price quotes and most of the time these smaller providers prefer to sell through independent agencies.

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