1997 Chevrolet Cavalier Car Insurance Rates

Want lower car insurance rates? Drivers have options when trying to find affordable Chevy Cavalier insurance. They can either waste time calling around to get rate comparisons or leverage the internet to make rate comparisons. There are more efficient ways to buy car insurance and you need to know the proper way to compare rates for a new or used Chevy and get the best price possible from both online companies and local agents.

It’s a good habit to compare prices before your policy renews due to the fact that insurance rates change regularly. Despite the fact that you may have had the best rates for Cavalier insurance on your last policy you can probably find a lower rate today. So ignore everything you know about car insurance because I’m going to teach you one of the easiest ways to properly buy coverages and cut your premium.

Vehicle Insurance Comparison

Most companies like Allstate, GEICO and Progressive allow you to get price estimates on the web. Getting online quotes is pretty painless as you just type in your required coverages as requested by the quote form. After the form is submitted, their system gets credit information and your driving record and returns pricing information.

Online quotes streamlines rate comparisons, but the work required to visit each company’s website and repetitively type in the same information is repetitive and time-consuming. But it’s absolutely necessary to have as many quotes as possible in order to find lower prices.

An easier way to compare rates utilizes a single form that gets price quotes from multiple companies. This type of form saves time, requires less work, and makes price shopping online much easier. Immediately after submitting the form, it gets priced and you can select any of the pricing results. If a lower price is quoted, you can simply submit the application and purchase the new policy. The entire process takes less than 15 minutes and may result in a nice savings.

In order to get comparison pricing now, simply click here to open in new window and input your coverage information. To compare your current rates, we recommend that you enter deductibles and limits exactly as they are listed on your policy. Doing this guarantees you will get rate comparison quotes for the exact same coverage.

Best discounts on 1997 Chevy Cavalier coverage

Companies that sell car insurance don’t necessarily list every discount in an easy-to-find place, so we took the time to find some of the best known as well as the least known discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Multiple Cars – Having all your vehicles on one policy can get a discount on all vehicles.
  • Safety Course Discount – Successfully completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can get savings up to 30%.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less for Cavalier insurance than drivers with accidents.
  • Senior Discount – If you’re over the age of 55, you may qualify for a discount up to 10% for Cavalier insurance.

Drivers should understand that some credits don’t apply the the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. So when it seems like you could get a free car insurance policy, you’re out of luck.

To see a list of providers offering car insurance discounts, follow this link.

Factors influencing Chevy Cavalier insurance rates

An important part of buying insurance is that you know the different types of things that play a part in calculating your auto insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that will entitle you to big savings.

Shown below are some of the factors that factor into prices.

  • Adjust deductibles and save – Physical damage deductibles define the amount you are required to spend before your auto insurance pays a claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. A few examples of covered claims are running into the backend of another car, damage caused by hail, and windstorm damage. The more expense you have to pay, the bigger discount you will receive for Cavalier insurance.
  • Older drivers pay less – More mature drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations. Teen drivers are statistically proven to be careless and easily distracted when driving therefore auto insurance rates are much higher.
  • Being married is a good thing – Having a wife or husband actually saves money on auto insurance. Having a significant other translates into being more mature and statistics show drivers who are married are more cautious.
  • Higher safety ratings means cheaper insurance – Safer cars can get you lower premiums. Safer cars have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates. If the Chevy Cavalier has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Your job and insurance rates – Did you know your occupation can influence how much you pay for auto insurance? Jobs such as lawyers, architects and accountants are shown to have higher rates than average in part from stressful work requirements and long work days. On the flip side, occupations such as pilots, athletes and homemakers pay the least for Cavalier insurance.
  • Small claims can cost you – Car insurance companies give cheaper rates to insureds who are claim-free. If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Proper usage rating affects rates – The more miles you rack up on your Chevy in a year the higher your rates will be. Almost all companies rate vehicles based upon how you use the vehicle. Cars and trucks left parked in the garage get more affordable rates than those used for commuting. Having the wrong rating on your Cavalier may be wasting your money. Make sure your auto insurance policy is rated on how each vehicle is driven.

Tailor your coverage to you

When buying adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions can help discover whether your personal situation would benefit from an agent’s advice.

  • Am I covered if hit by an uninsured driver?
  • At what point should I drop full coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I need PIP coverage since I have good health insurance?
  • How can I get high-risk coverage after a DUI?
  • Is my state a no-fault state?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is pleasure use cheaper than using my 1997 Chevy Cavalier to commute?
  • When do I need to add a new car to my policy?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, complete this form. It is quick, free and may give you better protection.

Misconceptions in insurance coverage advertisements

Consumers get pounded daily by advertisements for the lowest price auto insurance from the likes of Allstate, GEICO and Progressive. All the ads have a common claim of big savings if you move your coverage to them.

How does each company make the same claim?

All companies have a certain “appetite” for the right customer they prefer to insure. An example of a driver they prefer could be over the age of 50, has no prior claims, and has a high credit rating. Any new insured who matches those parameters will get the preferred rates and most likely will cut their rates substantially.

Potential insureds who don’t measure up to this ideal profile will be quoted a higher premium and ends up with business going elsewhere. The ads state “drivers who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can make the claims of big savings. This emphasizes why it is so important to compare as many rates as you can. It’s impossible to know the company that will provide you with the cheapest Chevy Cavalier insurance rates.

Learn about insurance coverages for a Chevy Cavalier

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Liability coverages

This will cover damage or injury you incur to a person or their property by causing an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like pain and suffering, structural damage and funeral expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage pay for expenses such as doctor visits, nursing services and EMT expenses. The coverages can be 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 as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like fire damage, damage from flooding, falling objects and hitting a deer. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Chevy Cavalier.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage

This will pay to fix damage to your Cavalier from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with a tree, hitting a parking meter, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

In any little way, save everyday

Cheap 1997 Chevy Cavalier insurance is available on the web and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

Insureds leave their current company for any number of reasons including policy cancellation, unfair underwriting practices, questionable increases in premium and even poor customer service. Regardless of your reason, choosing a new insurance company is not as difficult as it may seem.

As you restructure your insurance plan, you should never buy poor coverage just to save money. Too many times, an accident victim reduced full coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage for the lowest price while still protecting your assets.

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