Cheaper 2019 Chevrolet Spark Car 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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I can’t think of a single person who loves paying for insurance, especially knowing they are paying too much. Vehicle owners have many insurers to insure vehicles with, and although it’s a good thing to have multiple companies, so many choices can make it hard to find the lowest cost provider.

The quickest way to compare rate quotes is to realize car insurance companies have advanced systems to compare their rates. The only thing you need to do is provide details like if you’re married, if you have a valid license, how many miles driven, and whether or not you need a SR-22. The rating information is instantly submitted to multiple companies and they return quotes immediately.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Every situation is different and your policy should reflect that. These are some specific questions might point out if your insurance needs might need an agent’s assistance.

  • Why am I required to buy high-risk coverage?
  • Do I need more liability coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • When would I need additional glass coverage?
  • Am I covered if I break a side mirror?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete your zip code. It only takes a few minutes and you can get the answers you need.

Insurance coverage specifics

Understanding the coverages of insurance can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages found on most insurance policies.

Comprehensive coverages

This covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, hitting a bird, hail damage, fire damage and falling objects. The most your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverage

Liability insurance will cover damage or injury you incur to people or other property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims such as pain and suffering, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your 2019 Chevy Spark.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for bills such as doctor visits, nursing services, dental work and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as backing into a parked car, crashing into a ditch, driving through your garage door and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

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