2004 Chevrolet Cavalier Insurance Rates – 10 Tips for Cheaper Quotes

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.

Auto Insurance Prices Online

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.

  1. The fastest way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This easy form eliminates the need for separate quotation requests for every auto insurance company. In just a few minutes this one form will get you price quotes from auto insurance companies with the best prices.
  2. A less efficient way to compare prices consists of visiting the website of each company to complete their respective quote request forms. For sake of this example, let’s assume you want rates from Liberty Mutual, Progressive and Allstate. To get rate quotes you would need to visit each site to input your insurance information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

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.

These ten discounts can slash car insurance rates

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.

  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% on Cavalier insurance with a few car insurance companies.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • More Vehicles More Savings – Having multiple cars or trucks with the same company can get a discount on all vehicles.
  • Discount for Good Grades – This discount can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Multi-policy Discount – When you combine your home and auto insurance with one insurance company you could get a discount of up to 20% off your total premium.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Cavalier insurance than their less cautious counterparts.
  • Accident Waiver – A handful of insurance companies will forgive one accident before raising your premiums if your claims history is clear prior to the accident.
  • Sign Early and Save – Some insurance companies reward drivers for switching policies prior to your current policy expiration. It can save you around 10%.
  • Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.

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 might I need the advice of an agent?

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.

  • Does insurance cover damages from a DUI accident?
  • Do I have coverage when making deliveries for my home business?
  • Is motorclub coverage worth it?
  • Is my state a no-fault state?
  • How do I buy GAP insurance?
  • Does liability extend to a camper or trailer?
  • What can I do if my company denied a claim?
  • Is my 2004 Chevy Cavalier covered for smoke damage?
  • Will I lose any money if I cancel my policy before it expires?
  • How much liability do I need to cover my assets?

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.

Auto insurance 101

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.

Comprehensive or Other Than Collision

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 car insurance

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.

Medical costs insurance

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

UM/UIM 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 coverage

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.

Save for a rainy day

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: