Are you doing reasearch to find more affordable Chevy Spark EV insurance in Seattle? Finding low cost prices for Chevy Spark EV insurance in Seattle could be hard for drivers who have little experience online insurance quotes. You have so many companies to choose from that it can easily be a ton of work to find better rates on Chevy Spark EV insurance.
Unbelievably, 70% of consumers have stayed with the same insurance company for over three years, and approximately 38% of consumers have never compared rates from other carriers. With the average premium in Washington being $1,200, drivers could cut their rates by nearly 40% a year by just comparing rate quotes, but they underestimate the amount of savings they would get if they switch to a new company.
The are a couple different ways to compare quotes from companies that offer car insurance in Washington. By far the easiest way to lower the rate you pay for Chevy Spark EV insurance is to use the internet to compare rates.
Keep in mind that making a lot of price comparisons helps locate the best price. Some companies don’t provide rate quotes online, so you also need to get price estimates from those companies as well.
The providers in the list below provide free rate quotes in Seattle, WA. If more than one company is shown, it’s highly recommended you compare several of them in order to get a fair rate comparison.
Don’t overlook these Chevy Spark EV insurance discounts
Insurance can cost an arm and a leg, but there could be available discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be asked for prior to receiving the credit. If you check and find you aren’t receiving every discount available, you are throwing money away.
- Include Life Insurance and Save – Some car insurance companies give lower car insurance rates if you buy life insurance from them.
- Low Mileage Discounts – Low annual miles could be rewarded with cheaper prices.
- Air Bags and Passive Restraints – Cars that have air bags and/or automatic seat belt systems can receive discounts of 20 to 30 percent.
- Driving Data Discount – People who choose to allow data collection to study when and where they use their vehicle by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates as long as the data is positive.
- Military Discounts – Being deployed with a military unit can result in better car insurance rates.
- Responsible Drivers – Safe drivers could pay up to 40% less than drivers with accidents.
- Federal Government Employee – Active or former government employment can save as much as 8% with select insurance companies.
As a disclaimer on discounts, some of the credits will not apply to the entire cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like adding up those discounts means a free policy, that’s just not realistic.
Some of the larger companies who may offer many of the previously listed discounts include:
Before buying, ask all companies you are considering to give you their best rates. Savings may not apply everywhere. If you would like to view providers with discount rates in Seattle, click here.
You may require the services of an insurance agency
Many drivers still prefer to get advice from a local agent and doing that can be a smart decision One of the great benefits of comparing rate quotes online is that you can find lower auto insurance rates and still choose a local agent. And buying from small agencies is still important in Seattle.
After completing this short form, your insurance coverage information is emailed to local insurance agents that give free quotes for your car insurance coverage. You never need to contact an agency due to the fact that quote results will go directly to you. You can find lower rates and a licensed agent to work with. If you wish to get a comparison quote from one company in particular, don’t hesitate to go to their quote page and complete a quote there.
If you’re trying to find a reputable agency, it’s important to understand the different agency structures and how they work. Car insurance policy providers may be either independent (non-exclusive) or exclusive.
Agents that choose to be independent are normally appointed by many insurers so they have the ability to put coverage through many companies and possibly get better coverage at lower prices. If your premiums go up, your agent can just switch to a different company and you stay with the same agent.
If you need cheaper car insurance rates, you should always check rates from independent agents to have the best price comparison. They often place coverage with small mutual carriers which could offer lower prices.
Listed below are Seattle independent insurance agencies who may provide free price quotes.
- Propel Insurance: Marinkovich Stephen
925 4th Ave #3200 – Seattle, WA 98104 – (206) 676-4216 – View Map
- Johnson Insurance Agency
9200 Holman Rd NW – Seattle, WA 98117 – (206) 789-5940 – View Map
- Gurry and Rogers Insurance Inc
1200 5th Ave #1825 – Seattle, WA 98101 – (206) 621-6444 – View Map
Exclusive insurance agents can only write with one company like State Farm or Allstate. They usually cannot provide rate quotes from other companies so you might not find the best rates. Exclusive insurance agents are usually quite knowledgeable in insurance sales which helps them sell insurance even at higher premiums. Drivers often purchase coverage from exclusives partially due to high brand loyalty instead of buying on price only.
Listed below is a short list of exclusive agencies in Seattle that are able to give price quote information.
- Terry Gangon – State Farm Insurance Agent
4727 44th Ave SW Ste 100 – Seattle, WA 98116 – (206) 935-9955 – View Map
- Alex Bagdasarov – State Farm Insurance Agent
4719 University Way NE #202 – Seattle, WA 98105 – (206) 946-1986 – View Map
- Ezra Teshome – State Farm Insurance Agent
1510 14th Ave – Seattle, WA 98122 – (206) 322-3910 – View Map
Choosing a auto insurance agent requires you to look at more than just a cheap price quote. These questions are important to ask:
- Will the agent help in case of a claim?
- What will you get paid if your car is a total loss? How is that amount determined?
- Does the agency provide any after hours assistance?
- Can you contact them at any time?
- How many years have they been established?
- Is the agent CPCU or CIC certified?
- How many companies do they write for?
- How many years of experience in personal auto insurance do they have?
Learn How to Lower Your Insurance Costs
Many different elements are part of the equation when pricing auto insurance. Some factors are common sense such as your driving history, but others are less obvious such as your marital status or your financial responsibility.
The following are some of the major factors used by your company to calculate prices.
- Comp and collision deductibles are a factor – Comprehensive and collision coverage deductibles are how much the insured will be required to pay before your insurance pays a claim. Insurance for physical damage, also known as collision and other-than-collision, protects your car from damage. A few examples of covered claims are rearending another vehicle, animal collisions, or theft of your vehicle. The more of the claim you pay before a claim is paid (deductible), the less money you will pay for insurance.
- Never have insurance policy lapses – Allowing your coverage to lapse can be a sure-fire way to increase your rates. In addition to paying higher rates, not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license. You may then have to submit proof of financial responsibility or a SR-22 with the Washington motor vehicle department to get your license reinstated.
- Remove unneeded add-on coverages – There are quite a few add-on coverages that sound like a good idea at the time if you aren’t diligent. Add-on coverages like replacement cost coverage, accident forgiveness, and membership fees may be wasting your money. They may sound like good ideas initially, but if you don’t need them eliminate the coverages to reduce your premium.
- Miles driven impacts costs – The more you drive your Chevy every year the higher your rate. The majority of insurers charge to insure your cars based upon how you use the vehicle. Vehicles that have low annual miles receive lower rates than cars that get driven a lot. Double check that your insurance declarations sheet states the correct driver usage. An improperly rated Spark EV can result in significantly higher rates.
Car insurance just makes sense
Despite the high cost, insuring your vehicle is not optional due to several reasons.
- Just about all states have mandatory liability insurance requirements which means you are required to carry specific limits of liability protection in order to drive the car. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you took out a loan on your vehicle, more than likely the lender will require that you buy insurance to guarantee payment of the loan. If you do not keep the policy in force, the lender may insure your Chevy for a lot more money and make you pay the higher price.
- Car insurance protects not only your Chevy Spark EV but also your assets. It will also pay for hospital and medical expenses incurred in an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of having insurance outweigh the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver is overpaying over $820 a year so compare rates at every renewal to ensure rates are competitive.
In the end, you can save money
You just read some good ideas how to compare Chevy Spark EV insurance car insurance rates in Seattle. The key thing to remember is the more times you quote, the higher your chance of finding affordable Seattle car insurance quotes. Consumers may even find the biggest savings come from the least-expected company.
Insureds switch companies for a variety of reasons including policy non-renewal, high rates after DUI convictions, poor customer service or denial of a claim. It doesn’t matter what your reason, choosing a new insurance company can be easy and end up saving you some money.
Cheaper insurance in Seattle can be bought both online in addition to local insurance agencies, so get free Seattle car insurance quotes from both of them to have the best rate selection. Some insurance companies may not have rate quotes online and many times these small insurance companies only sell coverage through local independent agencies.
Additional detailed information is available by following these links:
- Vehicle Insurance (Wikipedia)
- What Car Insurance is Cheapest for Electric Cars in Seattle? (FAQ)
- What Insurance is Cheapest for Ride Shares in Seattle? (FAQ)
- Who Has the Cheapest Seattle Car Insurance Quotes for Drivers with a Bad Driving Record? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Hyundai Santa Fe in Seattle? (FAQ)
- Who Has Cheap Car Insurance Quotes for Uninsured Drivers in Seattle? (FAQ)
- Choosing a Car for Your Teen (State Farm)
- Collision Insurance Coverage (Nationwide)
- Should I Buy a New or Used Car? (Allstate)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)