Are you tired of trying to find lower-priced Chevy Spark EV insurance in Philadelphia? Are you drained from sacrificing other expenses to pay car insurance each month? Your situation is no different than most other drivers in Pennsylvania.
Unthinkable but true, the vast majority of drivers have remained with the same car insurance company for over three years, and practically 40% of car insurance customers have never compared car insurance rates at all. The average driver in Pennsylvania could save roughly $700 each year, but most tend to underestimate the amount of savings they would get if they switched. Due to the increasing number of different company options, it is hard for the average consumer to pick a more affordable car insurance company.
It is always a good idea to price shop coverage on a regular basis because prices change regularly. Even if you got the best deal on Chevy Spark EV insurance in Philadelphia on your last policy you may be paying too much now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to one of the easiest ways to properly buy coverages while reducing your premium.
Buying affordable car insurance in Philadelphia can be easy if you know a few tricks. If you’re already insured or are just looking to switch companies, use these money-saving tips to buy cheaper car insurance while maintaining coverages. Vehicle owners just have to use the quickest method to compare prices instantly.
The quickest method to compare rates for Chevy Spark EV insurance in Philadelphia is to know the fact most larger insurance companies will pay a fee to compare rate quotes. To start a quote, the only thing you need to do is provide a small amount of information like your credit rating estimate, if your license is active, what your job is, and if a SR-22 is needed. The data gets sent immediately to multiple car insurance providers and they provide comparison quotes quickly.
If you wish to get multiple quotes for your Chevy Spark EV now, click here and enter your coverage details.
The car insurance companies shown below provide comparison quotes in Philadelphia, PA. If multiple companies are shown, it’s highly recommended you click on several of them to get the best price comparison.
Why you need to buy auto insurance
Even though it can be expensive, paying for auto insurance is required in Pennsylvania but it also protects you in many ways.
First, just about all states have minimum mandated liability insurance limits which means you are required to carry a specific level of liability coverage if you drive a vehicle. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you took out a loan on your Chevy Spark EV, almost all lenders will stipulate that you have insurance to guarantee their interest in the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Chevy at a much higher premium rate and force you to reimburse them the higher price.
Third, auto insurance protects both your car and your assets. It will also provide coverage for many types of medical costs for not only you but also any passengers injured in an accident. Liability coverage also covers all legal expenses up to the policy limit if you cause an accident and are sued. If your Chevy gets damaged, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of insuring your Spark EV are without a doubt worth the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer is overpaying more than $750 every year so we recommend shopping around at least once a year to make sure the price is not too high.
Find Cheap Car Insurance with These Tips
A large part of saving on car insurance is knowing some of the things that go into determining your policy premiums. If you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that could result in lower car insurance prices.
Do you have enough liability coverage? – Your policy’s liability coverage provides coverage when you are found to be at fault for damages caused by your negligence. Your policy’s liability insurance provides for a legal defense which can cost a lot. Liability insurance is quite affordable compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
Rates can drop if you have more than one policy – The majority of car insurance companies will give discounts to people who consolidate policies with them in the form of a multi-policy discount. Even if you already get this discount, it’s in your best interest to check prices from other companies to confirm you are receiving the best rates possible. You may still be able to save even more by buying car insurance from a different company.
Use but don’t abuse your insurance – Insurance companies in Pennsylvania award discounts to policyholders who do not file claims often. If you file a lot of claims you can pretty much guarantee higher premiums or even policy non-renewal. Insurance coverage is intended for more catastrophic claims.
Gender impacts rates – Statistics have proven that females tend to be a little less risky than males. The data does not necessarily mean that women are better drivers. Both genders cause fender benders at a similar rate, but the men tend to have more serious accidents. Not only that, but men also get more serious tickets like DUI and reckless driving.
Save with these discounts on Chevy Spark EV insurance in Philadelphia
Not many people think insurance is cheap, but there may be some discounts that you may not even be aware of. A few discounts will be applied at quote time, but some may not be applied and must be asked for in order for you to get them.
- Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less than drivers with accident claims.
- Policy Bundle Discount – If you have multiple policies and insure them with the same company you may save up to 20% off your total Spark EV insurance premium.
- Online Discount – Many larger companies will discount your bill up to fifty bucks just for signing your application over the internet.
- Philadelphia Homeowners Discount – Owning your own home or condo can save a few bucks since owning and maintaining a home is proof of financial responsibility.
- Membership in Organizations – Joining a professional or civic organization is a good way to get lower rates on your bill.
Drivers should understand that many deductions do not apply to your bottom line cost. Most only cut specific coverage prices like comprehensive or collision. Just because it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous.
Insurance companies who might offer these benefits include:
If you are trying to find low cost Philadelphia auto insurance quotes, ask every company what discounts are available to you. Some of the discounts discussed earlier may not be available everywhere. To locate insurers who offer discounts in Philadelphia, click here.
Auto insurance can get complicated
When quoting and choosing proper insurance coverage for your vehicles, there really isn’t a one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that.
Here are some questions about coverages that might point out whether your personal situation might need an agent’s assistance.
- Is my ex-spouse still covered by my policy?
- Are rock-chip repairs free?
- Am I covered when driving a rental car?
- Am I covered if I hit my neighbor’s mailbox?
- Do I need more liability coverage?
- Am I covered while delivering pizza?
- Do I need motorclub coverage?
- Am I covered if I have no license?
- Should I have combined single limit or split liability limits?
- Can I pay claims out-of-pocket if I buy high deductibles?
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 an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and you can get the answers you need.
Buying car insurance from Philadelphia auto insurance agents
A lot of people would prefer to go talk to an agent and doing so can bring peace of mind Agents are very good at helping people manage risk and help file insurance claims. One of the benefits of getting free rate quotes online is that drivers can save money and get cheap rate quotes but also keep your business local.
After completing this form (opens in new window), your insurance coverage information is transmitted to participating agents in Philadelphia that give free quotes and help you find cheaper coverage. There is no reason to even leave your home since rate quotes are delivered straight to your inbox. If you need to compare rates from a specific company, you can always visit that company’s website and complete a quote there.
Picking the best company requires you to look at more than just a cheap quote. These questions are important to ask:
- Does the agency have a current Errors and Omissions policy?
- Is the agent and/or agency licensed to do business in Pennsylvania?
- How long has the business existed?
- Are they paid to recommend certain coverages?
- Do they have 24-hour customer assistance?
- Are all drivers listed on the coverage quote?
- Do they prorate repair cost based on vehicle mileage?
If you are wanting to purchase car insurance from a reputable agency, you should know the different types of agents that you can select. Car insurance agents may be either exclusive or independent (non-exclusive). Either type can handle car insurance, but it is important to understand the difference in how they write coverage because it can influence buying decisions.
Exclusive agents can only provide pricing for a single company such as American Family, State Farm, and AAA. They are unable to place coverage with different providers so they are skilled at selling on more than just price. Exclusive agents are well trained on their products and sales techniques which can be an advantage.
Below is a list of exclusive agencies in Philadelphia that can give you rate quotes.
Independent Car Insurance Agencies
These agents are not limited to a single company and that enables them to quote your coverage through lots of different companies and potentially find a lower price. If premiums increase, they simply switch companies in-house and you can keep the same agent. When comparison shopping, you absolutely need to get quotes from several independent insurance agents so that you can do a thorough price comparison.
Shown below are independent insurance agents in Philadelphia that can give you price quote information.
Once you have good feedback for all questions you ask and locked in a price quote, you’ve probably found an auto insurance agent that can service your policy. Keep in mind you are entitled to cancel a policy whenever you choose to so never assume that you’re stuck with any particular company with no way to switch.
Cheap car insurance is out there
We just presented many ways to find cheap Chevy Spark EV insurance in Philadelphia. The key thing to remember is the more providers you compare, the better your comparison will be. Consumers could even find that the lowest priced car insurance comes from a small mutual company. These companies can often provide lower auto insurance rates in certain areas compared to the large companies like GEICO and State Farm.
When trying to cut insurance costs, never reduce needed coverages to save money. There are many occasions where someone sacrificed liability limits or collision coverage to discover at claim time they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage at a price you can afford, but do not skimp to save money.
- Prom Night Tips for Teen Drivers (State Farm)
- Who Has Cheap Philadelphia Car Insurance with Multiple Speeding Tickets? (FAQ)
- Auto Insurance FAQ (Farmers Insurance)
- Young Drivers: The High Risk Years Video (iihs.org)
- Uninsured Motorist Statistics (Insurance Information Institute)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)