Would you like to buy the cheapest car insurance rates in Chicago, IL? Chicago drivers have many options when trying to find low-cost Chevy Spark insurance. They can either waste time driving around to get rate comparisons or utilize the internet to get rate quotes.
There are more efficient ways to find car insurance online and you need to know the absolute fastest way to price shop coverage for a Chevy and obtain the best price possible from both online companies and Chicago agents.
The companies shown below can provide free rate quotes in Illinois. If more than one company is shown, it's a good idea that you compare several of them in order to get a fair rate comparison.
Do you qualify for discounts on Chevy Spark insurance in Chicago?
Companies that sell car insurance don't always publicize all possible discounts in an easy-to-find place, so we researched a few of the more common and also the lesser-known discounts that you may qualify for.
- Payment Method - If you can afford to pay the entire bill instead of monthly or quarterly installments you may have a lower total premium amount.
- Homeowners Savings - Being a homeowner can save a few bucks since home ownership is proof of financial responsibility.
- Life Insurance Discount - Insurance carriers who offer life insurance give a small discount if you purchase some life insurance too.
- No Charge for an Accident - This isn't a discount exactly, but some insurance companies will turn a blind eye to one accident without getting socked with a rate hike so long as you haven't had any claims for a specific time period.
- Drive Safe and Save - Insureds who avoid accidents can save up to 40% or more on their Chicago car insurance quote than less cautious drivers.
- Driving Data Discount - Insureds that choose to allow their insurance company to monitor driving habits by installing a telematics device such as Progressive's Snapshot and State Farm's In-Drive may see discounts if they exhibit good driving behavior.
- Paperwork-free - Some of the larger companies give back up to $50 for buying your policy on your computer.
- Professional Organizations - Having an affiliation with a civic or occupational organization in Chicago could qualify you for a break on your next insurance statement.
- Passive Restraint Discount - Factory options such as air bags or motorized seat belts can receive discounts of 25 to 30%.
- Good Grades Discount - Being a good student can save 20 to 25%. This discount can apply up to age 25.
Consumers should know that most discounts do not apply to the whole policy. Most only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, you're out of luck.
A list of insurance companies and some of their more popular discounts are shown below.
- 21st Century has savings for driver training, student driver, good student, teen driver, and early bird.
- Progressive may offer discounts for homeowner, continuous coverage, good student, multi-policy, online quote discount, multi-vehicle, and online signing.
- State Farm may include discounts for good driver, defensive driving training, good student, Steer Clear safe driver discount, student away at school, and Drive Safe & Save.
- Nationwide policyholders can earn discounts including easy pay, good student, defensive driving, anti-theft, and Farm Bureau membership.
- Esurance discounts include Pac-12 alumni, online shopper, good driver, good student, renters, and safety device.
- The Hartford offers premium reductions for defensive driver, vehicle fuel type, air bag, anti-theft, and driver training.
When getting a coverage quote, ask each company the best way to save money. Some discounts may not apply in your state. If you would like to see a list of insurers with the best Chevy Spark insurance discounts in Illinois, click here to view.
Get Chevy Spark Insurance for Less
Lots of factors are used when pricing auto insurance. Some factors are common sense such as your driving history, but other factors are more obscure such as your marital status and annual miles driven. An important part of buying insurance is that you know the factors that aid in calculating the rates you pay for auto insurance. If you have some idea of what impacts premium levels, this allows you to make educated decisions that can earn you cheaper rates.
- More stress means more cost - Occupations like military personnel, police officers, and stock brokers generally have higher rates than the rest of us attributed to high stress levels and long work hours. Other professions such as professors, engineers and homemakers get better rates.
- GPS tracking and theft deterrents lower premiums - Owning a car with anti-theft technology or alarm system can save you some money. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent car theft.
- Raise comp and collision deductibles and save - Deductibles for physical damage define the amount you are required to spend out-of-pocket if a covered claim is submitted. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some instances where coverage would apply would be collision with another vehicle, fire damage, and damage caused by road hazards. The more expense you pay before a claim is paid (deductible), the less your auto insurance will be.
- Rates go up with performance - The type of vehicle you are insuring makes a huge difference in how high your rates are. The most favorable rates will normally be found when insuring small economy passenger models, but your final cost has many other factors. Because the Chevrolet Spark is a compact car, insuring your vehicle will cost the same to a little lower than the average rate where you live in Chicago.
- Tickets will cost you - A bad driving record has a big impact on rates. Just one citation can increase rates by as much as thirty percent. Careful drivers get better prices compared to drivers with tickets. Drivers who get serious citations like reckless driving, hit and run or driving under the influence may need to prove financial responsibility with the DMV in their state in order to prevent their license from being revoked.
- Never go without auto insurance - Going without insurance can be a sure-fire way to increase your renewal premiums. Not only will you pay higher rates, being ticketed for driving with no insurance could earn you a steep fine or even jail time. You will then be forced to submit proof of financial responsibility or a SR-22 with the Illinois department of motor vehicles.
- If you don't need it don't buy it - There are many optional add-on coverages that sound like a good idea at the time when buying auto insurance. Insurance for vanishing deductibles, accidental death, and extra equipment coverage may not be needed and are just wasting money. You may think they are a good idea when deciding what coverages you need, but if you don't need them think about removing them and cutting costs.
- With age comes lower rates - Older people are more responsible, tend to cause fewer accidents, and tend to be get fewer driving tickets.Beginning drivers are known to get distracted easily when driving and because of this, their auto insurance rates are much higher.
Shop online but buy locally
Certain consumers would prefer to buy from a local agent and that is a personal choice. Licensed agents are highly skilled in risk management and will help you if you have claims. The best thing about comparing rate quotes online is the fact that you can find the best rates and still have a local agent. Putting coverage with local insurance agencies is definitely important in Chicago.
By using this form (opens in new window), your insurance coverage information is sent to agents in your area who will give competitive quotes for your coverage. You don't have to drive around since rate quotes are delivered directly to you. If you have a need to compare rates from a particular provider, just visit that company's website to submit a rate quote request.
When narrowing the list to find a local Chicago insurance agency, there are two different types of agencies and how they are slightly different. Insurance agencies in Chicago may be either exclusive or independent. Both types can insure your vehicles, but it's worth mentioning how they differ since it could factor into your selection of an agent.
Independent Insurance Agencies
Agents in the independent channel are not locked into one company and that gives them the ability to insure with lots of companies and possibly get better coverage at lower prices. If premiums increase, they simply move your policy to a different company which is easy for the insured. If you are trying to find cheaper rates, we recommend you compare prices from multiple independent agents to get the most accurate price comparison. They also have the ability to place coverage with smaller companies that many times have cheaper rates.
Shown below is a list of independent insurance agencies in Chicago that may be able to give you price quote information.
- Great Northern Insurance Agency
5632 S Pulaski Rd - Chicago, IL 60629 - (773) 838-3900 - View Map
- Eagle Insurance Agency
3517 N Spaulding Ave - Chicago, IL 60618 - (773) 463-7576 - View Map
- Riehn Insurance
4541 N Lincoln Ave - Chicago, IL 60625 - (773) 561-4200 - View Map
Exclusive Insurance Agencies
Agents of this type can usually just insure with one company and some examples include Allstate, Farmers Insurance or State Farm. They usually cannot provide prices from multiple companies so keep that in mind. These agents are well schooled on what they offer which helps offset the inability to provide other markets. Some people will only use the same exclusive agent mainly due to loyalty to the company instead of buying on price only.
Listed below are Chicago exclusive agencies willing to provide price quote information.
- Glenda Tolentino-Moser - State Farm Insurance Agent
2015 W Montrose Ave - Chicago, IL 60618 - (773) 549-3300 - View Map
- Russ Spinelli - State Farm Insurance Agent
1525 E 53rd St #727 - Chicago, IL 60615 - (773) 955-3133 - View Map
- Tamika Echols - State Farm Insurance Agent
1611 N Clybourn Ave - Chicago, IL 60614 - (312) 944-9700 - View Map
Selecting an auto insurance agent requires more thought than just a cheap price. A good agent in Chicago will have answers to these questions.
- Do they review policy coverages at every renewal?
- Is their price quote a firm figure or are their hidden costs?
- Will the company cover a rental car if your car is getting fixed?
- Which insurance companies are they affiliated with?
- Are claims handled at the agent's location?
If you feel you receive good answers to these questions as well as a price you're happy with, you've probably found an auto insurance agent that is a good match to service your policy.
There's no such thing as the perfect insurance policy
Always remember that when buying the right insurance coverage for your vehicles, there isn't really a single plan that fits everyone. Every insured's situation is different.
For example, these questions might point out if your situation may require specific advice.
- Will my rates increase for filing one claim?
- Where can I find high-risk insurance?
- Am I missing any policy discounts?
- Can I rate high risk drivers on liability-only vehicles?
- When should I not file a claim?
- What is medical payments coverage?
- What is roadside assistance coverage?
- Can my babysitter drive my car?
- Do I pay less for low miles?
If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. If you don't have a local agent, complete this form. It is quick, free and may give you better protection.
Do drivers who switch really save?
Illinois consumers can't get away from ads that claim the best prices from the likes of State Farm and Allstate. All the ads advertise claims about saving some big amount if you switch your car insurance coverage to their company.
How does every car insurance company sell you cheaper insurance coverage? Here is the trick they use.
Companies quote the lowest rates for the type of driver they prefer to insure. For instance, this type of risk profile should be between the ages of 30 and 50, carries full coverage, and drives less than 7,500 miles a year. Any driver that hits that "sweet spot" may get the lowest auto insurance rates in Chicago and will also save some money.
Drivers who don't qualify for these standards will probably have to pay higher prices which leads to the prospect going elsewhere. If you listen closely, the ads state "drivers that switch" not "everyone that quotes" save that much money. This is how insurance companies can advertise the way they do.
This really illustrates why drivers must get Chicago car insurance quotes as often as possible. Because you cannot predict which insurance companies will have the lowest rate quotes.
Quote often and quote early
As you shop your coverage around, never buy less coverage just to save a little money. In too many instances, someone sacrificed uninsured motorist or liability limits only to discover later that their decision to reduce coverage ended up costing them more. Your objective should be to buy a smart amount of coverage at the best cost while still protecting your assets.
People who switch companies do it for a number of reasons such as poor customer service, an unsatisfactory settlement offer, policy cancellation and delays in responding to claim requests. Whatever your reason, finding a new insurance company is not as hard as you think.
Throughout this article, we presented some good ideas how you can save on Chevy Spark insurance in Chicago. The most important thing to understand is the more companies you get premium rates for, the better your comparison will be. Consumers could even find that the most savings is with an unexpected company.
More tips and info about insurance can be found in the articles below:
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Who Has the Cheapest Chicago Auto Insurance for Government Employees? (FAQ)
- How Much is Chicago Car Insurance for Electric Cars? (FAQ)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Information for Teen Drivers (GEICO)