Trying to find better insurance coverage rates for your Chevrolet Cavalier? Paying for high-priced Chevrolet Cavalier insurance can drain your savings account and force you to prioritize other expenses. Comparison shopping is free and is an excellent way to help make ends meet. There are many insurers to pick from, and although it’s nice to have multiple companies, it can be more difficult to get the best deal.
It is always a good idea to do rate comparisons before your policy renews due to the fact that insurance rates change frequently. Just because you found the best price on Cavalier insurance a couple years back you may be paying too much now. You can find a lot of misleading information regarding insurance coverage on the web, but we’re going to give you some great ideas on how to put money back in your pocket.
Shopping for the best car insurance is easy if you know what you’re doing. If you have a current car insurance policy or are just looking to switch companies, you can learn to reduce the price you pay while maximizing coverage. Consumers just need to know the proper methods to get comparison rates on the web.
Lowering your 2004 Chevy Cavalier auto insurance rates is surprisingly easy. Just take the time comparing rate quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.
It doesn’t matter which method you choose, just ensure you are comparing the exact same quote information for each comparison quote. If you compare different limits and deductibles on each one then you won’t be able to make an equal comparison.
Insuring your fleet can be pricey, buy you may qualify for discounts that many people don’t even know exist. Certain discounts will be applied when you quote, but less common discounts must be asked for prior to getting the savings. If you aren’t receiving every discount possible, you are paying more than you should be.
As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most only cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren’t that generous. Any amount of discount will reduce your overall premium however.
A partial list of companies that may have these discounts are:
Double check with each insurance company how you can save money. Discounts may not be available in every state.
When it comes to buying coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that can aid in determining whether you will benefit from professional help.
If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.
Knowing the specifics of a auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages available from auto insurance companies.
This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as fire damage, hail damage and falling objects. 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 it’s not worth carrying full coverage.
Liability insurance protects you from injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.
Liability insurance covers claims such as pain and suffering, medical services, medical expenses, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.
Med pay and PIP coverage kick in for short-term medical expenses for surgery, dental work, funeral costs, rehabilitation expenses and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Cavalier.
Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are set the same as your liablity limits.
Collision insurance covers damage to your Cavalier resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers things such as crashing into a ditch, hitting a mailbox, colliding with another moving vehicle, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.
While you’re price shopping online, you should never skimp on coverage in order to save money. In many instances, an insured dropped uninsured motorist or liability limits only to discover later that it was a big error on their part. The proper strategy is to purchase a proper amount of coverage for the lowest price.
We covered many ways to save on 2004 Chevy Cavalier insurance. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the best price on car insurance is with a company that doesn’t do a lot of advertising. They may cover specific market segments cheaper than the large multi-state companies such as Allstate, Geico and Progressive.
Affordable insurance is possible on the web and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.
Additional information can be found at these links: