Save on 1995 Chevrolet Cavalier Insurance Quotes

Want lower auto insurance rates? Drivers have lots of choices when trying to find affordable Chevy Cavalier insurance. They can either spend hours struggling with agents trying to get quotes or save time using the internet to compare rates. There are more efficient ways to find auto insurance online and you need to know the best way to compare rates on a Chevy and locate the lowest price from both online companies and local agents.

Buying car insurance is not that difficult. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these methods. Consumers only need an understanding of the most efficient way to get comparison rates online.

How to get affordable car insurance

There are a lot of ways you can shop for car insurance but some are less time-consuming than others. You can waste hours talking about coverages with local insurance agents in your area, or you could use the internet to get the quickest rates.

Many companies enroll in a system where insurance shoppers enter their coverage request one time, and at least one company returns a rated price for coverage. This saves time by eliminating quote requests to each individual car insurance company.

To use this form to compare rates click here to start a free quote.

The only drawback to getting quotes like this is that you can’t choose which carriers to get quotes from. If you wish to select from a list of companies for rate comparison, we put together a list of the cheapest car insurance companies in your area. Click here to view list.

However you get your quotes, be sure you’re using equivalent deductibles and coverage limits for each comparison quote. If you enter mixed coverages it’s not possible to determine the best price for your Chevy Cavalier.

Insurance agents can help

When it comes to buying adequate coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining if you would benefit from professional advice.

Will I lose any money if I cancel my policy before it expires?
Are there companies who specialize in insuring high-risk drivers?
What is the minimum liability in my state?
Will I be non-renewed for getting a DUI or other conviction?
Does my policy cover me when driving someone else’s vehicle?
Does coverage extend to a rental car in a foreign country?
Do I need to file an SR-22 for a DUI in my state?
Is my cargo covered for damage or theft?
Are split liability limits better than a combined single limit?
Do I have coverage when making deliveries for my home business?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Learn about auto insurance coverages for a 1995 Chevy Cavalier

Understanding the coverages of a auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive auto coverage

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

Comprehensive can pay for things like hail damage, falling objects and hitting a bird. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for collisions

This pays for damage to your Cavalier caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as colliding with another moving vehicle, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Chevy Cavalier.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for short-term medical expenses for things like doctor visits, ambulance fees, nursing services, pain medications and hospital visits. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability insurance

This can cover damage or injury you incur to people or other property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as bail bonds, funeral expenses, repair bills for other people’s vehicles, repair costs for stationary objects and medical expenses. How much liability coverage do you need? That is up to you, but buy as much as you can afford.