To save the most money, the best way to find better pricing on Chevy Spark insurance is to regularly compare quotes from insurers in Colorado Springs.
- Step 1: Learn about how insurance companies determine prices and the modifications you can make to drop your rates. Many risk factors that drive up the price like accidents, traffic tickets, and a negative credit history can be controlled by making minor changes to your lifestyle.
- Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from one company like GEICO or State Farm, while agents who are independent can quote prices for many different companies.
- Step 3: Compare the new rate quotes to your current policy to see if cheaper Spark coverage is available in Colorado Springs. If you find a better price and switch companies, make sure there is no lapse in coverage.
The key thing to remember is that you use the same liability limits and deductibles on each quote request and and to look at as many companies as you can. Doing this enables a level playing field and the best price selection.
A recent car insurance study discovered that almost 70% of insureds in Colorado kept their coverage with the same car insurance company for at least the last four years, and approximately 40% of consumers have never taken the time to shop around. U.S. insurance shoppers can save roughly $850 each year by just comparing rate quotes, but they won’t spend time to compare rate quotes.
Low Cost companies for Chevy Spark insurance in Colorado
The providers in the list below are ready to provide free rate quotes in Colorado Springs, CO. If multiple companies are listed, it’s highly recommended you click on several of them to find the most competitive auto insurance rates.
Informed Drivers Save Money
The best way to find cheaper insurance is to take a look at some of the factors that play a part in calculating the price you pay for insurance. When you know what positively or negatively determines premiums, this helps enable you to make changes that may reward you with better insurance rates. Lots of things are taken into consideration when you quote your car insurance policy. A few of the factors are predictable like your driving record, but other factors are more transparent like your continuous coverage or how safe your car is.
The list below includes some of the most common factors insurance companies consider when setting your premiums.
A coverage lapse can increase premiums – Driving with no insurance can get you a ticket and your next policy will cost more because you let your insurance coverage expire. And not only will insurance be more expensive, being ticketed for driving with no insurance might get you fines or a revoked license.
Where you live factors in – Living in less populated areas of the country can save you money when buying insurance. City drivers tend to have more aggressive driving styles and longer commute times. Fewer people means less chance of accidents as well as less vandalism and auto theft.
Pay more for higher performance vehicles – The type of car you need to insure makes a substantial difference in determining your rates. Smaller low performance passenger models generally receive the lowest base rates, but your final cost has many other factors.
Little extras can really add up – Policies have optional add-on coverages that can waste your money on your insurance policy. Coverages like rental car coverage, death and dismemberment, and additional equipment coverage are probably not needed. You may think they are a good idea at first, but if they’re wasting money think about removing them and cutting costs.
Liability coverage risk factors – Your insurance policy’s liability coverage kicks in if ever a court rules you are at fault for damages from an accident. It provides for a legal defense which can be incredibly expensive. Liability insurance is pretty cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.
Cautious drivers pay less – Being a careful driver impacts premiums far more than you think. Just one chargeable violation can boost insurance rates by twenty percent. Drivers who don’t get tickets get better rates compared to drivers with tickets. Drivers unfortunate enough to have careless tickets like DUI or reckless driving may face state-mandated requirements to complete a SR-22 with their state in order to prevent a license revocation.
Less chance of injury means lower insurance rates – Vehicles with high crash test scores tend to have lower insurance rates. Vehicles engineered for safety protect occupants better and fewer injuries means your insurance company pays less and thus lower rates. If your Chevy has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
Marriage discount – Walking down the aisle helps lower the price when shopping for insurance. Having a significant other is viewed as being more mature than a single person and statistics prove being married results in fewer claims.
Get discounts on Colorado Springs auto insurance
Car insurance is not cheap, but discounts can save money and there are some available that may help make it more affordable. Certain discounts will be triggered automatically when you get a quote, but less common discounts must be asked about prior to receiving the credit.
- Discounts for Cautious Drivers – Drivers who don’t get into accidents can pay as much as 50% less than drivers with accidents.
- Early Renewal Discounts – Select larger companies give a discount for buying a policy before your current Spark insurance policy expires. This can save 10% or more.
- Discount for Good Grades – Maintaining excellent grades can save 20 to 25%. Most companies allow this discount until age 25.
- Theft Prevention Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and will qualify for a discount on a Colorado Springs car insurance quote.
- No Accidents – Drivers who don’t have accidents can earn big discounts when compared to insureds who have frequent claims or accidents.
- Bundled Policy Discount – If you have multiple policies and insure them both with the same insurance company you will save up to 20% off your total Spark insurance premium.
- Federal Employees – Federal government employees can save as much as 8% depending on your company.
- Safety Course Discount – Successfully completing a course that instructs on driving safety could earn you a small percentage discount and make you a better driver.
Don’t be shocked that some credits don’t apply to your bottom line cost. Most only cut the price of certain insurance coverages like comp or med pay. So even though you would think all the discounts add up to a free policy, company stockholders wouldn’t be very happy. Any amount of discount should definitely cut the amount you have to pay.
Companies and a partial list of their discounts are shown below.
- GEICO offers discounts for multi-vehicle, anti-lock brakes, federal employee, five-year accident-free, air bags, seat belt use, and daytime running lights.
- Auto-Owners Insurance includes discounts for multi-policy, good student, safe vehicle, multiple vehicles, student away at school, safe driver, and paid in full.
- American Family may include discounts for TimeAway discount, accident-free, good student, mySafetyValet, defensive driver, bundled insurance, and early bird.
- Esurance offers discounts including paid-in-full, homeowner, claim free, multi-car, multi-policy, defensive driver, and Switch & Save.
- Progressive may have discounts that include homeowner, multi-policy, online signing, online quote discount, good student, and continuous coverage.
- State Farm may offer discounts for Drive Safe & Save, multiple policy, safe vehicle, driver’s education, anti-theft, accident-free, and defensive driving training.
- AAA has discounts for multi-policy, multi-car, education and occupation, anti-theft, and pay-in-full.
If you want affordable Colorado Springs car insurance quotes, ask every prospective company which discounts they offer. Discounts might not be offered everywhere. To see a list of insurance companies who offer cheap Chevy Spark insurance quotes in Colorado, click here to view.
Get rate quotes but work with a local Colorado Springs insurance agency
Some consumers still like to visit with an insurance agent and that can be a smart move Professional insurance agents can help you choose the best coverages and help you file claims. An additional benefit of comparing car insurance online is you may find better rates but still work with a licensed agent. Buying from and supporting neighborhood agents is especially important in Colorado Springs.
To make it easy to find an agent, after completing this simple form, your insurance data is immediately sent to agents in your area who want to provide quotes for your insurance coverage. It’s much easier because you don’t need to leave your computer because prices are sent to you. If you need to get a comparison quote for a specific company, you just need to jump over to their website and complete a quote there.
When searching for a local Colorado Springs insurance agency, you need to know there are two types of agencies and how they operate. Car insurance agents in Colorado Springs are either exclusive agents or independent agents. Either one can insure your vehicles, but it’s important to know why they differ because it may have an impact on which type of agent you select.
Independent Car Insurance Agencies
Independent agencies can quote rates with many companies so they can write business with multiple insurance companies depending on which coverage is best. If you want to switch companies, your agent can just switch to a different company which is easy for the insured.
When comparison shopping, you definitely need to get insurance quotes from several independent agencies in order to compare the most rates. Most also write with companies you’ve never heard of who may have lower rates.
Below is a short list of independent insurance agencies in Colorado Springs that can give you cheap rate quotes.
- Jensen Insurance Agency
125 N Parkside Dr #201f – Colorado Springs, CO 80909 – (719) 635-9557 – View Map
- Southern Colorado Insurance Center
4390 Academy Blvd N – Colorado Springs, CO 80918 – (719) 329-4441 – View Map
- Insurance Network of Co
2525 W Pikes Peak Ave # C – Colorado Springs, CO 80904 – (719) 635-9720 – View Map
Exclusive Insurance Agencies
Agents of this type can usually just insure with one company like State Farm, Allstate, and Farm Bureau. They usually cannot shop your coverage around so keep that in mind. Exclusive agents are very knowledgeable on their company’s products and that allows them to sell at a higher price point. Some insured continue to choose to use an exclusive agent primarily because of the prominent brand name rather than low price.
Below is a short list of exclusive insurance agents in Colorado Springs who can help you get price quote information.
- John Hall – State Farm Insurance Agent
1614 Academy Blvd N b – Colorado Springs, CO 80909 – (719) 596-1414 – View Map
- American Family Insurance – Mario Aragon Agency Inc.
1135 E Fillmore St – Colorado Springs, CO 80907 – (719) 570-0707 – View Map
- American Family Insurance – Michael Janzen Agency Inc.
1045 W Garden of the Gods Rd Ste M – Colorado Springs, CO 80907 – (719) 528-6387 – View Map
Selecting a car insurance agent should depend on more than just the price. Any agent in Colorado Springs should be forthright in answering these questions:
- How much training do they have in personal risk management?
- Do they have any clout with companies to ensure a fair claim settlement?
- How are claims handled?
- What is their Better Business Bureau rating?
- How does the company pay claims for a total loss?
- Is every driver in your family covered?
Different people need different auto insurance coverages
When buying insurance from an agent or online for your vehicles, there really is no “perfect” insurance plan. You are unique.
For example, these questions can help discover whether your personal situation could use an agent’s help.
- What is the difference between comprehensive and collision coverage?
- Where can I get insurance after a DUI in Colorado?
- Can my babysitter drive my car?
- Should I drop comprehensive coverage on older vehicles?
- Am I covered if I crash into my own garage door?
- Should I put collision coverage on all my vehicles?
- What discounts do I qualify for?
If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.
Find cheap rates by comparing often
A few companies may not offer online rate quotes and usually these small, regional companies work with independent agents. Budget-conscious Chevy Spark insurance is possible from both online companies in addition to local insurance agencies, and you need to comparison shop both to get a complete price analysis.
People change insurance companies for many reasons like extreme rates for teen drivers, denial of a claim, policy cancellation and even high rates after DUI convictions. Whatever your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.
We just covered some good ideas how you can compare Chevy Spark insurance prices in Colorado Springs. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding cheaper Colorado Springs car insurance quotes. You may even find the best prices are with the smaller companies.
Additional auto insurance information can be read at the links below
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Who Has the Cheapest Car Insurance for Drivers Requiring a SR22 in Colorado Springs? (FAQ)
- Who Has the Cheapest Colorado Springs Auto Insurance Quotes for a Nissan Sentra? (FAQ)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Electronic Stability Control FAQ (iihs.org)
- Things to Know Before you Cancel Insurance (Allstate)
- Credit and Insurance Scores (Insurance Information Institute)