View 2020 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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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Finding low cost rates on insurance could be a challenge for beginners to online comparison shopping. You have so many options available that it can quickly become a challenge to find more affordable insurance rates.

Are you qualifying for every discount?

The cost of insuring your cars can be expensive, but companies offer discounts that you may not even know about. Many of these discounts will be applied automatically when you quote, but some must be asked for prior to receiving the credit.

  • Defensive Driving Course – Successfully completing a course in defensive driver could possibly earn you a 5% discount and make you a better driver.
  • Discounts for Cautious Drivers – Drivers without accidents can get discounts for up to 45% lower rates for Spark coverage as compared to drivers with claims.
  • Low Miles Discount – Maintaining low annual mileage can earn lower premium rates on the low mileage vehicles.
  • ABS and Traction Control Discounts – Cars with ABS and/or traction control are much safer to drive and qualify for as much as a 10% discount.
  • Early Payment Discounts – If you pay your entire premium ahead of time as opposed to paying monthly you may have a lower total premium amount.
  • Passive Restraints and Air Bags – Factory options such as air bags can receive discounts of more than 20%.
  • Smart Student Discounts – A discount for being a good student may save you up to 25%. This discount can apply well after school through age 25.

Policy discounts save money, but some of the credits will not apply to the entire cost. Most only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you could get a free insurance coverage policy, it doesn’t quite work that way.

A few of the larger companies and a selection of discounts include:

  • State Farm includes discounts for driver’s education, safe vehicle, anti-theft, multiple autos, accident-free, student away at school, and good driver.
  • GEICO has savings for anti-theft, military active duty, federal employee, anti-lock brakes, driver training, and seat belt use.
  • SAFECO discounts include homeowner, teen safe driver, drive less, accident prevention training, multi-car, safe driver, and anti-lock brakes.
  • Farmers Insurance offers premium reductions for pay in full, distant student, bundle discounts, mature driver, teen driver, multi-car, and early shopping.
  • AAA may include discounts for multi-car, good student, pay-in-full, AAA membership discount, and education and occupation.
  • USAA policyholders can earn discounts including family discount, military installation, annual mileage, new vehicle, and driver training.

If you want affordable auto insurance quotes, ask each company or agent what discounts are available to you. Depending on the company, some discounts may not be offered in every state. To see a list of insurance companies with discount insurance coverage rates, enter your zip code here.

How to buy insurance

The majority of larger companies provide coverage prices online. Comparing prices online can be done by anyone as all you need to do is type in your personal and coverage information into a form. Behind the scenes, their system gets information on your driving record and credit history and generates a price based on these factors.

Quoting online makes it easy to compare insurance prices but having to visit different websites and fill out multiple forms is repetitive and time-consuming. But it’s necessary to do this in order to find the best price possible.

A quicker way to lower your rates uses just one form that gets prices from several different companies. It’s a real time-saver, reduces the work, and makes online shopping much easier to do. Immediately after submitting the form, it is rated and you can select any or none of the price quotes you receive. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. This process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To find out if lower rates are available, simply enter your zip code here and enter your information. If you currently have coverage, we recommend you replicate deductibles and limits identical to your current policy. This way, you’re receiving rate comparison quotes based on the exact same insurance coverage.

Lower the price of insurance with these tips

One of the most helpful ways to save on insurance is to to have a grasp of a few of the rating criteria that are used to determine your policy premiums. When you understand what influences your rates, this allows you to make educated decisions that will entitle you to lower rates. Many factors are used when premium rates are determined. Most are fairly basic like your driving record, but other criteria are not quite as obvious such as your marital status or how safe your car is.

  • Getting married brings a discount – Getting married may cut your premiums when shopping for insurance. It means you’re more responsible and statistics show married couples file fewer claims.
  • Increase deductibles to save – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Examples of covered claims are a windshield shattered by a rock, hitting a deer, and windstorm damage. Physical damage deductibles state the amount of money you are willing to pay before a claim is paid by your company. The more money you have to pay, the lower your rates will be for Spark coverage.
  • Avoid insurance lapses – Not having insurance is illegal and you may have a hard time finding new coverage because you let your coverage cancel without a new policy in place. Not only will you pay more, being ticketed for driving with no insurance might get you fines or a revoked license.
  • Safer the car lower the rate – Cars with high safety ratings get lower rates. Vehicles engineered for safety have better occupant injury protection and better occupant protection translates into savings for insurance companies and cheaper rates on your policy. If your Chevy is rated at a minimum four stars on you may qualify for a discount.
  • Occupation reflects on insurance rates – Occupations such as real estate brokers, executives and financial analysts generally pay higher rates than average because of intense work situations and lots of time spent at work. On the other hand, occupations like farmers, students and the unemployed have the lowest average rates for Spark coverage.
  • Low mileage costs less – The more you drive in a year’s time the higher your rate. A lot of insurance companies calculate rates based upon how much you drive. Cars and trucks that have low annual miles receive lower rates than those used for commuting. It’s a good idea to make sure your insurance coverage shows the correct driver usage, because improper ratings can cost you money. A policy that improperly rates your Spark can cost quite a bit.
  • Teen drivers are expensive to insure – Teen drivers tend to be inattentive and easily distracted when driving therefore insurance rates are much higher. Older people have been proven to be more responsible, file fewer claims and are safer drivers.
  • Poor driving habits means higher costs – Drivers who don’t get tickets get better prices than their less careful counterparts. Having just one citation may cause rates to rise to the point where it’s not affordable. Drivers who get severe violations such as DUI or reckless driving may find that they have to to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to legally drive a vehicle.

When in doubt talk to an agent

When buying coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions might help in determining whether you would benefit from professional advice.

  • What discounts do I qualify for?
  • Does my policy pay for OEM or aftermarket parts?
  • Is pleasure use cheaper than using my 2020 Chevy Spark to commute?
  • What is an SR-22 filing?
  • Is my ex-spouse still covered by my policy?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I need PIP coverage since I have good health insurance?
  • What is the difference between comprehensive and collision coverage?
  • Are split liability limits better than a combined single limit?
  • Do I pay less for low miles?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, simply complete your zip code.

Don’t believe everything you hear

Respected companies like Allstate and Progressive continually stream television and radio advertisements. They all seem to advertise the message that people will save if you move your policy. How do they all make almost identical claims? It’s all in the numbers.

Insurance coverage companies require specific criteria for the type of driver that makes them money. For example, a driver they prefer should be over the age of 45, has other policies, and drives a lower-performance vehicle. Anybody that fits those parameters will get the preferred premium rates and is almost guaranteed to save a lot of money.

Drivers who do not meet those standards must pay a higher premium with the end result being the driver buying from a lower-cost company. If you listen to the ad wording, they say “drivers who switch” but not “everyone who gets a quote” save that much when switching. That is how insurance companies can lure you into getting a quote. Because each company has a different risk profile, it’s extremely important to compare rate quotes every year. Because you cannot predict the company that will have the best car insurance rates at this point in time.

Auto insurance coverages explained

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Collision protection

Collision coverage will pay to fix damage to your Spark resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with a tree, crashing into a building and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as prosthetic devices, chiropractic care, doctor visits, pain medications and rehabilitation expenses. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Chevy Spark.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Auto liability insurance

This protects you from damage that occurs to a person or their property. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as repair costs for stationary objects, medical expenses, repair bills for other people’s vehicles and funeral expenses. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Comprehensive coverages

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like fire damage, a broken windshield, theft and rock chips in glass. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Feed the piggy bank

Insureds change insurance companies for many reasons like delays in paying claims, not issuing a premium refund, extreme rates for teen drivers and even unfair underwriting practices. No matter why you want to switch, finding the right car insurance provider is actually quite simple.

We’ve covered some good ideas how you can save on 2020 Chevy Spark insurance. The key concept to understand is the more you quote auto insurance, the better your comparison will be. You may even discover the best premium rates are with a small local company.

Cost effective 2020 Chevy Spark insurance is available both online and from local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some car insurance companies do not provide online rate quotes and usually these smaller companies only sell through independent insurance agencies.

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