How many times have you told yourself it’s time to shop around for more competitive Chevy Spark EV insurance in Phoenix? Trying to come up with a payment for expensive auto insurance can bleed your personal savings and force you to cut corners elsewhere. Price shopping at each renewal is a smart way to reduce premiums and put more money in your pocket.
A recent survey discovered that over 70% of consumers kept their policy with the same company for more than four years, and roughly 40% of drivers have never taken the time to shop around. Many consumers in the U.S. can save as much as $860 each year, but most tend to underestimate the amount of money they would save if they switched to a cheaper policy. Due to the increasing number of online and local companies to choose from, it can be impossible to pick the right insurer.
Quoting and buying the lowest-priced coverage in Phoenix is easy to do. If you are already insured or just want cheaper coverage, you will benefit by learning to shop for the lowest rates without sacrificing coverage. Drivers only need an understanding of the most time-saving way to shop for insurance online from multiple companies.
Cheap companies for Chevy Spark EV insurance
The companies in the list below have been selected to offer free quotes in Phoenix, AZ. If the list has multiple companies, we suggest you compare several of them to get the best price comparison.
Six Tips to Get More Affordable Phoenix Insurance Premiums
The best way to find cheaper insurance is to take a look at the factors that play a part in calculating the price you pay for insurance. If you understand what controls the rates you pay, this empowers consumers to make smart changes that could result in lower premium levels. Many factors are part of the calculation when premium rates are determined. Some factors are common sense such as traffic violations, but some are less obvious such as your credit history or your commute time.
Males are more aggressive – Over the last 50 years, statistics have shown females are less aggressive when driving. That doesn’t necessarily mean that men are WORSE drivers than women. They both cause at-fault accidents at a similar rate, but guys cause more damage. Not only that, but men also get cited for more serious violations like reckless driving and DUI.
How many miles do you drive? – Driving more miles in a year’s time the more you will pay for insurance. A lot of companies price each vehicle’s coverage determined by how the vehicle is used. Autos not used for work or commuting receive better premium rates as compared to vehicles used primarily for driving to work. It’s a good idea to make sure your insurance policy is rated on the proper vehicle usage. Incorrect rating for your Spark EV is just wasting money.
Fast cars cost more to insure – The performance of the vehicle you are insuring makes a huge difference in the rate you pay. The most favorable rates are usually found on low performance passenger vehicles, but many other things help determine your insurance rates. Since the Chevrolet Spark EV is a compact car, insuring your vehicle will cost the same to a little lower when compared to the average rates in Phoenix.
Lower rates with a multi-policy discount – The majority of insurance companies afford lower prices to insureds who carry more than one policy in the form of a multi-policy discount. Even with this discount applied, it’s always a smart idea to compare other company rates to verify if the discount is saving money.
Eliminate extra policy coverages – There are quite a few additional coverages that can waste your money on your Spark EV policy. Coverages for roadside assistance, accidental death, and membership fees are examples of these. They may seem good when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.
Marriage can save you money – Your spouse may earn you lower rates on insurance. Having a significant other usually means you are more responsible and statistics prove married drivers tend to have fewer serious accidents.
Get cheaper rates on Chevy Spark EV insurance in Phoenix with these discounts
Buying car insurance is not cheap, but discounts can save money and there are some available that may help make it more affordable. Certain credits will be shown at the time of quoting, but lesser-known reductions have to be specially asked for prior to getting the savings.
- Active Service Discounts – Having an actively deployed family member could be rewarded with lower premium rates.
- Anti-theft Discount – Anti-theft and alarm system equipped vehicles are stolen less frequently and therefore earn up to a 10% discount.
- Payment Discounts – By making one initial payment instead of making monthly payments you may have a lower total premium amount.
- Multi-line Discount – Select insurance carriers reward you with better premium rates if you take out a life insurance policy as well.
- Good Drivers – Drivers who avoid accidents could pay up to 40% less compared to accident prone drivers.
- Telematics Discount – Insureds that choose to allow their company to scrutinize their driving habits remotely such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates as long as they are good drivers.
- Discount for Swiching Early – A few companies allow discounts for buying a policy before your current coverage expires. Ten percent is about the average savings.
- Save with a New Car – Insuring a vehicle that is new can be considerably cheaper due to better safety requirements for new vehicles.
You should keep in mind that some of the credits will not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability and collision coverage. So when it seems like you would end up receiving a 100% discount, that’s just not realistic.
If you would like to choose from a list of providers with the best Chevy Spark EV insurance discounts in Phoenix in Arizona, click here.
Exclusive versus independent auto insurance agents
Some people would prefer to talk to a local agent and that is just fine! Professional agents can answer important questions and help in the event of a claim. An additional benefit of price shopping on the web is that you can find lower rates but still work with a licensed agent. Buying from small agencies is still important in Phoenix.
To find an agent, once you fill out this form (opens in new window), your insurance data is immediately sent to local insurance agents in Phoenix that give free quotes for your coverage. There is no need to drive around since price quotes are sent immediately to you. If you have a need to get a rate quote from a particular provider, you would need to find their quoting web page to submit a rate quote request.
If you prefer to buy insurance from a reliable insurance agency, it can be helpful to understand the different agency structures to choose from. Agents are classified as either independent agents or exclusive agents depending on their employer. Both do a good job, but we need to point out the differences since it can affect which type of agent you select.
Independent Insurance Agents
Agents that choose to be independent are appointed with more than one company so they can write business through lots of different companies and get the cheapest rates. If they find a cheaper price, they simply move your policy to a different company and you won’t have to switch agencies.
When comparing rates, you need to get insurance quotes from several independent insurance agents in order to compare the most rates.
Listed below are independent insurance agencies in Phoenix that can give you cheap rate quotes.
Exclusive Insurance Agencies
Agents in the exclusive channel normally can only provide a single company’s rates and some examples include Allstate and State Farm. Exclusive agents are unable to give you multiple price quotes so they have no alternatives for high prices. These agents are well schooled on their company’s products which helps offset the inability to provide other markets.
Shown below are exclusive insurance agents in Phoenix willing to provide price quote information.
Eric Hamilton – State Farm Insurance Agent
10265 W Camelback Rd #120 – Phoenix, AZ 85037 – (623) 848-3048 – View Map
Jim Nork – State Farm Insurance Agent
1600 W Camelback Rd #1a – Phoenix, AZ 85015 – (602) 222-9400 – View Map
Finding the right car insurance agent needs to be determined by more than just the price. You should also get answers to these questions.
- Which members of your family are coverage by the policy?
- Are they involved in claim handling?
- How long has their agency been open in Phoenix?
- Do they specialize in personal lines auto insurance in Phoenix?
- Is the agency covered by Errors and Omissions coverage?
Affordable coverage is out there
As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. There are many occasions where someone dropped collision coverage and discovered at claim time that the savings was not a smart move. The ultimate goal is to get the best coverage possible at the best price, not the least amount of coverage.
In this article, we presented many ways to find lower-cost Chevy Spark EV insurance in Phoenix. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even be surprised to find that the best price on auto insurance is with a company that doesn’t do a lot of advertising. Some small companies may cover specific market segments cheaper compared to the large companies like Allstate, GEICO and Progressive.
Some insurance companies don’t offer the ability to get quotes online and most of the time these small, regional companies provide coverage only through independent agencies. More affordable auto insurance in Phoenix can be purchased both online as well as from independent agents in Phoenix, and you should compare price quotes from both to have the best selection.
Much more information about auto insurance in Arizona is located at the links below
- Vehicle Insurance (Wikipedia)
- What Insurance is Cheapest for a Nissan Rogue in Phoenix? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Good Drivers in Phoenix? (FAQ)
- Who Has the Cheapest Car Insurance for Handicapped Drivers in Phoenix? (FAQ)
- Who Has Cheap Phoenix Auto Insurance Quotes for Homeowners? (FAQ)
- Who Has the Cheapest Phoenix Auto Insurance Rates for 4×4 Vehicles? (FAQ)
- Who Has the Cheapest Car Insurance Quotes with Multiple Speeding Tickets in Phoenix? (FAQ)
- Who Has the Cheapest Phoenix Auto Insurance for Low Mileage Drivers? (FAQ)
- How to Avoid Common Accidents (State Farm)
- Rental Reimbursement Coverage (Allstate)