Looking for lower auto insurance rates for your Chevrolet Cavalier? Are you overwhelmed by the dozens of auto insurance company choices? You’re not alone. Drivers have so many choices that it can easily become a ton of work to find better rates.
It’s a good habit to compare rates at least once a year since insurance rates trend upward over time. If you had the lowest price for Cavalier insurance a year ago a different company probably has better rates today. You can find a lot of misleading information regarding auto insurance online, so I’m going to show you some excellent ideas to slash your auto insurance rates.
The are a couple different ways to compare rate quotes from local insurance companies. By far the easiest way to find competitive 1994 Chevy Cavalier insurance rates involves getting comparison quotes online. This can be done in just a few minutes using one of these methods.
To view a list of companies in your area, click here.
Whichever way you use, ensure you’re using identical coverages and limits for each comparison quote. If each company quotes different limits and deductibles on each one it will be very difficult to decipher which rate is best. Quoting even small variations in insurance coverages may result in large price differences. It’s important to know that quoting more gives you a better chance of getting the best rates.
Car insurance companies do not list every discount in an easy-to-find place, so we researched both well-publicized and the more hidden car insurance savings.
Consumers should know that most discount credits are not given to the entire cost. Some only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, companies don’t profit that way.
Companies who might offer some of the above discounts include:
It’s a good idea to ask each insurance company which discounts they offer. All car insurance discounts might not apply in your state.
Consumers need to have an understanding of the different types of things that go into determining auto insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that can help you get lower auto insurance prices.
Listed below are a partial list of the pieces used by your company to calculate your rates.
When it comes to buying the right insurance coverage, there is no “best” method to buy coverage. Every insured’s situation is different.
Here are some questions about coverages that may help you determine if your insurance needs might need an agent’s assistance.
If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.
Having a good grasp of a car insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.
Collision coverage will pay to fix damage to your Cavalier resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things such as rolling your car, colliding with a tree, backing into a parked car, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.
Liability car insurance
This can cover damage that occurs to other people or property by causing an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.
Liability insurance covers things like medical services, legal defense fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.
Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as damage from flooding, hail damage, hitting a bird, theft and rock chips in glass. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as chiropractic care, prosthetic devices, pain medications and nursing services. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay
Cheap 1994 Chevy Cavalier insurance is available online in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some companies do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.
We just presented many ideas to save on insurance. The key concept to understand is the more quotes you get, the better likelihood of reducing your rate. Consumers may even find the best prices are with the smaller companies.
When buying insurance coverage, never skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage at a price you can afford, not the least amount of coverage.