View 1998 Chevrolet Cavalier Insurance Rates

Are you tired of being strong-armed to buy car insurance? You are no different than many other consumers.

Drivers have so many insurers to pick from, and even though it’s nice to have a choice, it makes it harder to locate the cheapest rates.

Finding the best rates is not that difficult. Essentially anyone who is required by state law to have auto insurance will most likely be able to lower their premiums. Nevertheless, drivers do need to understand how insurance companies price insurance differently because it can help you find the best coverage.

Compare Insurance Today

Comparing insurance rates can be exhausting if you don’t know the best way to get rate quotes. You can waste hours talking to local insurance agents in your area, or you could save time and use online quotes to get the quickest rates.

Most car insurance companies participate in a marketplace that enables customers to enter their policy data once, and each participating company returns a rated price based on the submitted data. This system prevents you from having to do quote requests to every company.

To use this form to compare 1998 Chevy Cavalier insurance rates click here to open in new window.

The one disadvantage to comparing rates this way is you are unable to specify which providers to receive prices from. So if you want to select individual companies to receive pricing from, we have a listing of the cheapest insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but make darn sure you compare identical deductibles and coverage limits for every quote you compare. If you enter unequal deductibles or liability limits it will be impossible to make a fair comparison for your Chevy Cavalier. Having just a slight variation in coverages may result in large price differences. And when comparing insurance rates, know that quoting more will improve the odds of getting lower pricing.

Why your Chevy Cavalier insurance rates may be high

Smart consumers have a good feel for the rating factors that come into play when calculating auto insurance rates. Knowing what impacts premium levels allows you to make educated decisions that will entitle you to better auto insurance rates.

  • Bundling policies can get discounts – The majority of insurers give discounts to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. If you currently are using one company, you still need to comparison shop to ensure the best deal. Consumers may find better rates by buying auto insurance from a different company.
  • Credit scores impact auto insurance rates – Credit rating is a big factor in your rate calculation. Consumers who have high credit scores tend to be less risk to insure than drivers with lower ratings. If your credit can use some improvement, you could potentially save money when insuring your 1998 Chevrolet Cavalier by repairing your credit.
  • Marriage brings a discount – Getting married actually saves money on your auto insurance policy. Marriage usually means you are more mature than a single person and it’s statistically proven that married couples file fewer claims.
  • Safer cars are cheaper to insure – Safer cars are cheaper to insure. These vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If the Chevy Cavalier earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Frequent auto insurance claims increase rates – Insurance companies generally give discounts to insureds who do not file claims often. If you tend to file frequent claims, you can definitely plan on higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.

Do you qualify for a discount?

Companies do not list all available discounts 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.

  • Driver Safety – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
  • Clubs and Organizations – Affiliation with certain professional organizations could trigger savings when buying car insurance for Cavalier insurance.
  • Discount for New Cars – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Passive Restraints – Cars that have air bags or automatic seat belts can receive discounts of 20% or more.
  • Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Low Mileage Discounts – Driving fewer miles can qualify you for discounted rates on garaged vehicles.

A little note about advertised discounts, some of the credits will not apply the the whole policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, car insurance companies aren’t that generous.

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

What coverages do I need?

When choosing the best insurance coverage coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether you might need professional guidance.

  • Will my insurance pay for OEM parts?
  • What exactly is covered by my policy?
  • How can I get high-risk coverage after a DUI?
  • Are there companies who specialize in insuring high-risk drivers?
  • When does my teenage driver need to be added to my policy?
  • Is pleasure use cheaper than using my 1998 Chevy Cavalier to commute?
  • Is my state a no-fault state?
  • How much liability coverage do I need in my state?
  • Why do I need rental car insurance?

If you can’t answer these questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Specific coverages for a Chevy Cavalier

Learning about specific coverages of a auto insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages found on the average auto insurance policy.

Auto liability insurance

Liability coverage provides protection from injuries or damage you cause to other people or property. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as repair costs for stationary objects, court costs, emergency aid, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses such as doctor visits, dental work, funeral costs, pain medications and ambulance fees. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverages

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, vandalism and hail damage. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto collision coverage

Collision coverage pays for damage to your Cavalier resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a ditch, sideswiping another vehicle, driving through your garage door, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Chevy Cavalier.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

You can do this!

You just read a lot of ways to get a better price on 1998 Chevy Cavalier insurance. The key concept to understand is the more quotes you get, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest premiums are with some of the smallest insurance companies. These companies often have lower prices on specific markets compared to the large companies like Allstate, Geico and Progressive.

Low-cost insurance can be sourced online as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some car insurance companies don’t offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

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