Lower Your 1993 Chevrolet Cavalier Insurance Rates

Buyers have a choice when searching for the best price on Chevy Cavalier insurance. You can either waste hours driving around to get rate comparisons or use the internet to find the lowest rates.

There is a right way and a wrong way to buy car insurance so we’re going to tell you the absolute fastest way to get price quotes for your Chevy and find the cheapest rates.

It’s important to get comparison quotes yearly because car insurance prices go up and down regularly. If you had the best rate for Cavalier insurance six months ago there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about car insurance because it’s time to teach you how to use the internet to properly buy coverages and cut your premium.

Cheap insurance price quotes online

Finding cheap insurance rates is actually quite simple. You just need to take a couple of minutes comparing price quotes to discover which company has affordable insurance quotes. It’s super easy and can be done using a couple different methods.

Probably the best way to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This method keeps you from doing repetitive form entry for each company. Just one form will get you rate comparisons from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
A more difficult way to obtain and compare quotes online is going to each company’s website and get a separate price quote. For examples sake, let’s assume you want to compare Progressive, Liberty Mutual and State Farm. You would be required to spend time on each company’s site and enter your policy data, which can take a lot of time. For a list of links to insurance companies in your area, click here.

Whichever method you choose, double check that you are using the same coverage information for each comparison quote. If you compare different values for each quote it will be next to impossible to truly determine the lowest rate.

Cheap insurance coverage rates with discounts

Some providers don’t necessarily list every discount in an easy-to-find place, so we break down some of the more common as well as some of the hidden discounts that you can inquire about if you buy insurance online. If you aren’t receiving every discount available, you are not getting the best rate possible.

Accident Forgiveness – This one isn’t a discount, but some insurance companies may permit one accident without getting socked with a rate hike if your claims history is clear prior to the accident.
Responsible Drivers – Drivers who avoid accidents may receive a discount up to 45% for Cavalier insurance than less cautious drivers.
Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts may get savings of 20% or more.
Safety Course Discount – Completing a course in driver safety could earn you a small percentage discount if you qualify.
No Claim Discounts – Drivers who don’t have accidents can save substantially as opposed to bad drivers.
Paper-free Discount – A handful of insurance coverage companies will provide an incentive shop insurance on their website.
Early Switch Discount – A few companies allow discounts for switching policies prior to your current policy expiration. You can save around 10% with this discount.
Senior Discount – Drivers that qualify as senior citizens may qualify for lower premium rates for Cavalier insurance.
Government Employees – Having worked for a branch of the government may qualify for a discount when you quote insurance for Cavalier insurance with a few insurance coverage companies.
Policy Bundle Discount – When you combine your home and auto insurance with one company you could earn a discount of 10% to 20% off each policy.

A little disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Some only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky.

Some companies that may include most of these discounts include:

When comparing rates, check with each insurance company what discounts are available to you. Some of the discounts discussed earlier may not apply everywhere. To view insurance companies offering insurance coverage discounts, click this link.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover whether or not you may require specific advice.

When should my teen driver be added to my policy?
Are rock chip repairs covered?
Do I have coverage when pulling a U-Haul trailer?
Do I need PIP coverage since I have good health insurance?
When should I not file a claim?
Is a blown tire covered by insurance?
Are rental cars covered under my policy?
Do I need special endorsements for business use of my vehicle?
Do I need more liability coverage?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Car insurance specifics

Learning about specific coverages of a car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your 1993 Chevy Cavalier.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.

Auto collision coverage

Collision insurance will pay to fix damage to your Cavalier resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as colliding with a tree, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like prosthetic devices, EMT expenses and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a deer, hitting a bird, a tree branch falling on your vehicle, hail damage and rock chips in glass. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance

This coverage protects you from damage or injury you incur to other’s property or people that is your fault. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as attorney fees, repair costs for stationary objects, medical expenses, emergency aid and court costs. How much coverage you buy is up to you, but consider buying as much as you can afford.