1990 Chevrolet Cavalier Insurance Quotes

Think you have an expensive auto insurance policy? Believe me when I say many drivers have buyer’s remorse.

Since you have so many different company options, it can be impossible to pick the most cost effective insurance company.

Insurance companies offer many types of discounts

Some insurance providers do not list all available discounts in a way that’s easy to find, so we break down a few of the more well known and also the more inconspicuous discounts that you may qualify for.

  • More Vehicles More Savings – Having multiple cars with the same insurance company can get a discount on all vehicles.
  • Anti-theft System – Cars equipped with anti-theft or alarm systems have a lower chance of being stolen and therefore earn up to a 10% discount.
  • Multiple Policy Discount – If you have multiple policies and insure them both with the same insurance company you could earn a discount of as much as 10 to 15 percent.
  • Use Seat Belts – Drivers who require all occupants to buckle up may be able to save a few bucks off PIP or medical payments premium.
  • E-sign Discounts – Some of the larger companies will provide an incentive simply for signing on the internet.
  • Organization Discounts – Being a member of qualifying employment or professional organizations could trigger savings on your bill.
  • Accident Forgiveness Coverage – Not necessarily a discount, but some companies like GEICO, State Farm, and Progressive allow you one accident without raising rates so long as you are claim-free prior to being involved in the accident.
  • Driving Data Discount – Drivers who elect to allow companies to analyze where and when they drive by using a telematic data system such as State Farm’s In-Drive may get a rate reduction if they show good driving skills.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems could see savings of more than 20%.

Don’t be shocked that some of the credits will not apply to all coverage premiums. Most only apply to the cost of specific coverages such as comprehensive or collision. Even though the math looks like you can get free auto insurance, that’s just not realistic. But all discounts will positively reduce your policy premium.

A few companies that may include many of the previously listed discounts possibly include:

Before purchasing a policy, check with each insurance company to give you their best rates. Discounts may not apply to policies in your area.

Do I just need basic coverages?

When it comes to buying proper insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. For instance, these questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • What is the minimum liability in my state?
  • What discounts do I qualify for?
  • Am I covered if I hit my neighbor’s mailbox?
  • Why am I required to buy liability insurance?
  • How do I file an SR-22 for a DUI in my state?
  • Am I covered when driving on a suspended license?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Coverage specifics

Having a good grasp of car insurance can help you determine the best coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages found on most car insurance policies.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like X-ray expenses, pain medications and surgery. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Comprehensive auto coverage – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from getting keyed, a broken windshield and vandalism. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Cavalier.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.

Collision coverage – This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Liability auto insurance – Liability insurance protects you from damage or injury you incur to other’s property or people that is your fault. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things like attorney fees, medical services, funeral expenses, bail bonds and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Have money to burn

When getting insurance quotes online, it’s very important that you do not buy poor coverage just to save money. Too many times, someone sacrificed physical damage coverage only to discover later that it was a big error on their part. Your aim should be to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.

In this article, we covered quite a bit of information on how to get a better price on 1990 Chevy Cavalier insurance. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your car insurance rates. Consumers may even find the best rates are with some of the smallest insurance companies. Some small companies may only write in your state and offer lower car insurance rates as compared to the big name companies such as State Farm and Allstate.

Much more information about insurance can be found at these links: