1991 Chevrolet Cavalier Insurance Rates

I can’t think of a single person who looks forward to paying for car insurance, especially when they are paying too much. Many insurance companies compete for your insurance dollar, and it can be difficult to compare rates to get the lowest rate possible.

If you have a policy now or are just looking to switch companies, you can use these techniques to cut your premiums while maximizing coverage. Choosing the best insurance company for you is not that difficult. Drivers only need an understanding of the most effective way to shop online.

Automobile Insurance Quotes

Reducing your 1991 Chevy Cavalier insurance rates can be relatively painless. You just need to take the time comparing rates online with multiple companies. This is very easy and can be done in a couple of different ways.

  • The easiest and least time consuming way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This type of form saves time by eliminating multiple quote forms for every car insurance company. Filling out one form gets you price quotes instantly.
  • A less efficient way to analyze rates consists of going to each company’s website to complete their respective quote request forms. For examples sake, we’ll assume you want to compare Nationwide, Progressive and GMAC. To get rate quotes you would need to visit each site to input your insurance information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

However you get your quotes, make sure you use apples-to-apples coverages with each company. If you compare different limits and deductibles on each one it’s not possible to make a fair comparison for your Chevy Cavalier.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t ignore all the ads for car insurance savings from the likes of State Farm, GEICO and Progressive. They all say the same thing that you can save after switching your coverage to them.

How does each company claim to save you money?

All companies have a preferred profile for the right customer that makes them money. An example of a desirable insured might be a mature driver, is a homeowner, and has a short commute. A customer who meets those qualifications will qualify for the lowest rates and therefore will save quite a bit of money when switching.

Potential customers who do not match the “perfect” profile will be charged a higher premium and ends up with business going elsewhere. Company advertisements say “people who switch” not “everyone that quotes” save that much money. This is how insurance companies can make those claims.

That is why you absolutely need to compare as many rates as you can. You cannot predict which car insurance company will fit your personal profile best.

Lower rates by qualifying for discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to cut the cost considerably. A few discounts will automatically apply at the time of quoting, but some may not be applied and must be asked about in order for you to get them. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Low Mileage – Fewer annual miles on your Chevy could qualify for lower rates on the low mileage vehicles.
  • Driver Safety – Successfully completing a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • No Charge for an Accident – A few companies permit an accident before raising your premiums as long as you don’t have any claims for a set time period.
  • Claim Free – Drivers who don’t have accidents can earn big discounts when compared with frequent claim filers.
  • Memberships – Participating in a civic or occupational organization could qualify you for a break when buying insurance coverage on Cavalier coverage.
  • Seat Belts Save – Requiring all passengers to use a seat belt could cut 10% or more off your medical payments premium.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can get savings up to 30%.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Discount for New Cars – Putting insurance coverage on a new car is cheaper since new cars are generally safer.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comprehensive or collision. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way. Any amount of discount will cut the cost of coverage.

A partial list of companies who might offer some of the above discounts are:

Double check with all companies you are considering which discounts you may be entitled to. Savings might not be offered in your area.

Car insurance is unique, just like you

When choosing proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. For example, these questions can help discover whether or not you might need an agent’s assistance.

  • Am I covered when using my vehicle for business?
  • Do I have newly-aquired coverage?
  • How can I get my company to pay me more for my totalled car?
  • I have health insurance so do I need medical payments coverage?
  • Why does it cost so much to insure a teen driver?
  • What is covered by UM/UIM coverage?
  • I don’t drive much so do I pay less?
  • Does my 1991 Chevy Cavalier need full coverage?

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. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance 101

Understanding the coverages of insurance can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. These are the normal coverages found on most insurance policies.

Uninsured and underinsured coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 1991 Chevy Cavalier.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Normally these coverages do not exceed the liability coverage limits.

Auto collision coverage

Collision insurance will pay to fix damage to your Cavalier resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a parking meter, scraping a guard rail, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for chiropractic care, doctor visits, nursing services and prosthetic devices. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This protects you from damage that occurs to a person or their property that is your fault. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like attorney fees, bail bonds and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Comprehensive coverages

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a bird, fire damage and theft. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Find Good Coverage for Less

Throughout this article, we presented a lot of tips how to shop for 1991 Chevy Cavalier insurance online. The key thing to remember is the more companies you get rates for, the better your comparison will be. You may even find the best prices are with some of the lesser-known companies. Smaller companies can often provide lower rates in certain areas than their larger competitors like State Farm or Progressive.

Cheap insurance can be found from both online companies and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. Some insurance companies may not provide online quoting and many times these smaller companies only sell through independent insurance agents.

As you restructure your insurance plan, you should never buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced full coverage only to discover later that it was a big error on their part. The ultimate goal is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

More detailed insurance coverage information can be read by following these links: