1991 Chevrolet Cavalier Car Insurance Rates – 7 Tips for Cheaper Quotes

Searching for lower insurance rates for your Chevrolet Cavalier? Locating low-cost insurance for your Chevy Cavalier can turn out to be a lot of work, but you can follow these tips to save time. There is a right way and a wrong way to buy insurance so you’re going to learn the proper way to compare rates for a Chevy and find the lowest price.

The quickest method we recommend to get policy rate comparisons utilizes the fact most larger insurance companies allow for online access to give free rates quotes. To get started, all you need to do is give them rating details like your job, the year, make and model of vehicles, daily mileage, and if you went to college. That information is sent automatically to many different companies and you will receive price estimates within a short period of time.

Get affordable insurance coverage quotes with discounts

Some providers don’t always advertise all possible discounts in a way that’s easy to find, so we took the time to find both the well known in addition to some of the lesser obvious discounts that you can inquire about if you buy auto insurance online. If you aren’t receiving every discount available, it’s possible you qualify for a lower rate.

  • ABS Braking Discount – Vehicles equipped with ABS or steering control have fewer accidents and the ABS can save up to 10%.
  • Military Rewards – Being deployed with a military unit can result in better prices.
  • New Vehicle Savings – Buying insurance coverage on a new vehicle is cheaper because newer vehicles are generally safer.
  • Defensive Driver Discount – Passing a class that teaches defensive driver techniques could cut 5% off your bill and make you a better driver.
  • Low Mileage – Maintaining low annual mileage can earn lower prices due to less chance of an accident.
  • Clubs and Organizations – Being a member of a qualifying organization could qualify you for a break when shopping for insurance coverage.
  • Theft Prevention System – Cars equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.

You can save money using discounts, but most discount credits are not given to the entire policy premium. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. But all discounts will cut your overall premium however.

Large insurance coverage companies and a partial list of their discounts are shown below.

  • American Family includes discounts for accident-free, Steer into Savings, bundled insurance, mySafetyValet, and early bird.
  • State Farm offers discounts for safe vehicle, student away at school, Drive Safe & Save, good driver, Steer Clear safe driver discount, driver’s education, and multiple autos.
  • 21st Century may offer discounts for student driver, driver training, teen driver, early bird, anti-lock brakes, and automatic seat belts.
  • Travelers offers premium reductions for continuous insurance, multi-policy, home ownership, hybrid/electric vehicle, new car, driver training, and multi-car.
  • GEICO discounts include driver training, anti-theft, membership and employees, multi-vehicle, anti-lock brakes, defensive driver, and emergency military deployment.

Before you buy a policy, ask each company what discounts are available to you. Some of the earlier mentioned discounts might not be offered in your state. To view providers with discount insurance coverage rates, follow this link.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions might point out if you will benefit from professional help.

  • What is the minimum liability in my state?
  • If my 1991 Chevy Cavalier is totaled, can I afford another vehicle?
  • What is no-fault insurance?
  • Is other people’s property covered if stolen from my vehicle?
  • When would I need additional glass coverage?
  • Do I need replacement cost coverage?
  • What happens if I owe more than my 1991 Chevy Cavalier is worth?
  • Do I need roadside assistance coverage?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage options for a Chevy Cavalier

Learning about specific coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Collision coverage

Collision coverage will pay to fix damage to your Cavalier resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a building, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

UM/UIM Coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Chevy Cavalier.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability coverage

This provides protection from damage that occurs to other’s property or people. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as repair costs for stationary objects, medical services and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like hospital visits, pain medications and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a bird, vandalism, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Have the Midas touch

Drivers leave their current company for many reasons like policy cancellation, questionable increases in premium, delays in responding to claim requests and even lack of trust in their agent. It doesn’t matter why you want to switch finding the right auto insurance provider can be easier than you think.

As you prepare to switch companies, it’s very important that you do not reduce needed coverages to save money. There have been many situations where an insured cut collision coverage to discover at claim time that the small savings ended up costing them much more. The proper strategy is to buy a smart amount of coverage at the best possible price and still be able to protect your assets.

In this article, we covered many ways to save on 1991 Chevy Cavalier insurance. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the most savings is with a smaller regional carrier.

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