1995 Chevrolet Cavalier Car Insurance Quotes

Overpriced Chevrolet Cavalier insurance can overdraw your savings account and force you to prioritize other expenses. Doing a price comparison is free and is an excellent way to cut your insurance bill.

There are many car insurance companies to purchase coverage from, and though it is a good thing to have a choice, so many choices can make it hard to compare rates and find the lowest cost insurance.

The best way we recommend to compare car insurance company rates is to know the fact almost all companies participate in online systems to give rate comparisons. All consumers are required to do is spend a couple of minutes providing details such as any included safety features, the year, make and model of vehicles, how you use your vehicles, and if your license is active. That rating data is instantly provided to multiple car insurance providers and you will get price comparisons within a short period of time.

Take discounts and save

Companies do not list all their discounts very clearly, so here is a list both the well known and also the lesser-known discounts you could be receiving.

  • Low Mileage – Low mileage vehicles can earn better rates on cars that stay parked.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • College Student – Youth drivers who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • E-sign – A few companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • No Charge for an Accident – Certain companies permit an accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • Auto/Home Discount – If you have multiple policies with one company you may earn 10% to 20% off each policy.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Homeowners Pay Less – Owning a house may earn you a small savings because owning a home is proof that your finances are in order.

Keep in mind that some credits don’t apply the the whole policy. A few only apply to individual premiums such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, car insurance companies aren’t that generous.

Companies that possibly offer these money-saving discounts include:

It’s a good idea to ask all companies you are considering which discounts they offer. Discounts might not apply in every state.

Which policy gives me the best coverage?

When it comes to buying the best insurance coverage coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions can aid in determining if you will benefit from professional help.

  • Is there coverage for injuries to my pets?
  • How much liability do I need to cover my assets?
  • Can I afford to pay high deductible claims out of pocket?
  • If my 1995 Chevy Cavalier is totaled, can I afford another vehicle?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I need higher collision deductibles?
  • What companies insure drivers after a DUI or DWI?
  • What is an SR-22 filing?
  • How much underlying liability do I need for an umbrella policy?
  • I have health insurance so do I need medical payments coverage?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Auto insurance coverage breakdown

Having a good grasp of a auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types found on most auto insurance policies.

Collision coverage

This will pay to fix damage to your Cavalier 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 coverage protects against claims like colliding with a tree, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from getting keyed, hitting a deer and vandalism. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for bills for things like prosthetic devices, rehabilitation expenses, pain medications and X-ray expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chevy Cavalier.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Liability coverages

Liability insurance protects you from damage or injury you incur to other’s property or people that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims like medical services, loss of income, structural damage and court costs. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.