Searching for lower insurance coverage rates for your Chevrolet Cavalier? Did you fall for a flashy sales pitch and buy overpriced insurance coverage? Trust us when we tell you you’re not the only one. Big companies like Progressive, State Farm and Geico continually bombard you with advertising and it can be hard to not get sucked in by the cute commercials and find the best price available.
Performing a rate comparison can take hours if you don’t understand the most efficient way. You can waste hours driving to insurance companies in your area, or you could use online quotes to get pricing more quickly.
All the larger companies belong to an insurance system that enables customers to enter their coverage request one time, and at least one company then gives them pricing. This prevents consumers from doing quotation requests for every car insurance company. To find out how much you’re overpaying now click here to open in new window.
One minor caviat to comparing rates this way is that you can’t choose which insurance companies to get quotes from. So if you want to select specific providers to receive pricing from, we have assembled a list of companies who write car insurance in your area. Click here for list of insurance companies.
Whichever method you choose, ensure you’re using the exact same coverage limits and deductibles for each price quote. If you are comparing mixed coverages you will not be able to determine which rate is truly the best.
When it comes to buying proper insurance coverage, there really is not a single plan that fits everyone. Every situation is different so this has to be addressed. Here are some questions about coverages that may help you determine whether or not you will benefit from professional help.
If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.
Understanding the coverages of insurance can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by insurance companies.
Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Chevy Cavalier.
Since a lot of 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 is very important.
Liability auto insurance – This can cover damage that occurs to other people or property that is your fault. This insurance protects YOU against claims from other people, 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 commonly see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.
Liability insurance covers things like court costs, structural damage, repair costs for stationary objects and medical services. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.
Comprehensive insurance – This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for things like falling objects, theft and damage from getting keyed. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Collision – This coverage pays for damage to your Cavalier caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers things like colliding with another moving vehicle, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.
Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for expenses like rehabilitation expenses, pain medications, doctor visits, hospital visits and nursing services. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage