Cheap 1992 Chevrolet Cavalier Car Insurance Quotes

Drivers have lots of choices when trying to find low-cost Chevy Cavalier insurance. You can either spend your time driving around trying to get quotes or save time using the internet to find the lowest rates. There are both good and bad ways to find insurance online and you need to know the absolute fastest way to quote coverages for your Chevy and locate the lowest possible price either online or from local insurance agents.

You should take the time to compare prices yearly since rates go up and down regularly. Despite the fact that you may have had the best price on Cavalier coverage two years ago a different company probably has better rates today. Block out anything you think you know about insurance because you’re about to find out the proper way to properly buy coverages while reducing your premium.

Compare the Market for Car Insurance

Getting better 1992 Chevy Cavalier car insurance pricing is surprisingly easy. Drivers just need to take a few minutes to get quotes from different insurance companies. This can be done using a couple different methods.

The first (and easiest) way to find low rates is a comparison rater form click here to open form in new window. This method keeps you from doing separate quotation requests for every car insurance company. Taking the time to complete one form gets you price quotes from several companies. Recommended for those who want to invest the least amount of time.

A different way to get quotes online requires a visit to the website for each individual company to complete their respective quote request forms. For example, let’s say you want rates from State Farm, Allstate and Travelers. To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is quicker.

To view a list of companies in your area, click here.

The least recommended way to get comparison rates is to spend time driving to and from local insurance agencies. The internet makes this process obsolete unless you prefer the professional guidance of a local agent. You can, however, obtain prices from the web but still have the advice of a local agent.

Which method you use is up to you, but ensure you’re using apples-to-apples information with each company. If each company quotes different limits and deductibles on each one it’s not possible to make an equal comparison.

Don’t miss out on these money-saving discounts

Companies don’t list all their discounts very well, so we researched both the well known and the more hidden ways to save on auto insurance. If you don’t get every credit you qualify for, you are throwing money away.

  • Low Mileage – Driving fewer miles could qualify for better rates on cars that stay parked.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may save 10% to 20% off each policy.
  • Student in College – Kids in college who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Air Bag Discount – Cars that have air bags or automatic seat belts may earn rate discounts up to 30%.

It’s important to note that most discounts do not apply to your bottom line cost. A few only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, you’re out of luck.

To see a list of companies offering auto insurance discounts, click this link.

Factors influencing Chevy Cavalier insurance rates

An important part of buying insurance is that you know the different types of things that come into play when calculating the price you pay for car insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that could result in big savings.

The list below includes a few of the “ingredients” used by your company to calculate premiums.

  • Do you need the policy add-ons? – There are quite a few extra coverages that you can get tricked into buying if you aren’t careful. Coverages like roadside assistance, accidental death and term life insurance are examples of these. They may seem good when you first buy your policy, but if they’re wasting money get rid of them and save.
  • High numbers of claims are not good – If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Car insurance companies give discounts to policyholders who are claim-free. Auto insurance is meant to be used in the event of larger claims.
  • Proper usage rating affects rates – The higher the mileage driven every year the higher your rate. Almost all companies price each vehicle’s coverage based on their usage. Autos left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Make sure your car insurance declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money. If your policy improperly rates your Cavalier may be wasting your money.
  • Battle of the sexes – Statistics have proven that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. Both sexes have accidents in similar numbers, but the males tend to have more serious accidents. They also get cited for more serious violations such as DWI and reckless driving.

Do I need special coverages?

When it comes to choosing proper insurance coverage for your personal vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine whether your personal situation could use an agent’s help.

  • Do I really need UM/UIM coverage?
  • When would I need additional glass coverage?
  • How much liability do I need to cover my assets?
  • I have health insurance so do I need medical payments coverage?
  • Do I have newly-aquired coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What happens if I owe more than my 1992 Chevy Cavalier is worth?
  • Is business equipment covered while in my vehicle?
  • I have a DUI can I still get coverage?
  • Is my teen driver covered when they drive my company car?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

Car insurance coverage basics

Understanding the coverages of car insurance helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverages – Collision insurance covers damage to your Cavalier caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like sustaining damage from a pot hole, colliding with another moving vehicle, driving through your garage door, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Chevy Cavalier.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive (Other than Collision) – This covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hail damage, hitting a bird, theft and hitting a deer. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for bills such as chiropractic care, funeral costs and dental work. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability coverages – Liability coverage provides protection from damage or injury you incur to other people or property. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like repair costs for stationary objects, court costs, funeral expenses, medical services and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Feed the piggy bank

Cheaper 1992 Chevy Cavalier insurance is definitely available online and also from your neighborhood agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

You just learned a lot of ways to reduce insurance prices online. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the most savings is with a company that doesn’t do a lot of advertising.

Insureds who switch companies do it for any number of reasons including lack of trust in their agent, questionable increases in premium, policy non-renewal and even high prices. Regardless of your reason, switching companies is easier than you think.

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