Scraping up a payment for overpriced Chevrolet Cavalier insurance can empty your savings account and put the squeeze on your family’s finances. Doing a price comparison is a smart way to slash your bill and have more diposable income.
Consumers have many insurers to purchase coverage from, and though it is a good thing to be able to choose, having more car insurance companies makes it harder to find the lowest rates.
Buying car insurance is easy if you know what you’re doing. Basically, everyone who is shopping for car insurance most likely will be able to save money. Although drivers need to learn the methods companies use to market on the web because it can help you find the best coverage.
Auto insurance companies do not advertise all their discounts very well, so here is a list both well-publicized as well as the least known savings tricks you should be using.
Keep in mind that most discount credits are not given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, you’re out of luck.
Insurance companies that may have some of the above discounts include:
Double check with each insurance company which discounts they offer. Savings might not be offered in your area.
When it comes to choosing proper insurance coverage, there really is no best way to insure your cars. Everyone’s needs are different and your policy should reflect that. For instance, these questions could help you determine if you might need an agent’s assistance.
If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area.
Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on most auto insurance policies.
Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for doctor visits, pain medications, X-ray expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
Collision coverage – Collision coverage pays for damage to your Cavalier resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for things such as backing into a parked car, hitting a parking meter, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.
Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like damage from flooding, rock chips in glass and theft. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Coverage for liability – Liability insurance will cover damages or injuries you inflict on people or other property. It protects you against claims from other people. 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. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.
Liability coverage protects against things such as attorney fees, medical expenses and structural damage. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.
Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Chevy Cavalier.
Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.
While you’re price shopping online, don’t be tempted to reduce needed coverages to save money. There have been many cases where an accident victim reduced uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find at an affordable rate.
Cheaper 1999 Chevy Cavalier insurance is attainable both online and with local insurance agents, so you should be comparing quotes from both to have the best selection. Some companies do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.
Much more information about car insurance is available at these links: