1996 Chevrolet Cavalier Insurance Quotes

Want better car insurance rates? Drivers have a choice when trying to find the lowest priced Chevy Cavalier insurance. You can either spend your time calling around trying to get quotes or use the internet to make rate comparisons. There is a better way to buy car insurance and you need to know the proper way to get price quotes for a new or used Chevy and find the lowest possible price from local insurance agents and online providers.

You need to take a look at other company’s rates periodically because insurance prices are variable and change quite frequently. Even if you got the lowest quotes for Cavalier insurance a few years ago a different company probably has better rates today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to one of the quickest ways to reduce your cost while improving coverage.

Buying car insurance is not rocket science. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this strategy. Drivers just need to know the most efficient way to buy car insurance over the internet.

The method we recommend to compare car insurance rates is to know the fact auto insurance companies have advanced systems to give free rates quotes. The only thing you need to do is give them some information like if a SR-22 is required, deductibles desired, how old drivers are, and the type of vehicles you drive. The data is then submitted to multiple companies and you will receive price estimates instantly to find the best rate.

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Insurance Coverage Discounts

Some companies do not advertise all disounts very well, so the following list contains some of the best known in addition to some of the lesser obvious discounts that you can inquire about if you buy insurance online.

Home Ownership Discount – Being a homeowner can save a few bucks because of the fact that having a home shows financial diligence.
Multiple Cars – Drivers who insure multiple vehicles with the same company can reduce the rates for all insured vehicles.
Driver Training Discounts – Taking time to complete a safe driver course could possibly earn you a 5% discount depending on where you live.
ABS Braking Discount – Cars with ABS braking systems or traction control prevent accidents so companies give up to a 10% discount.
Senior Citizens – Drivers over the age of 55 can get lower premium rates for Cavalier insurance.

Discounts lower rates, but some credits don’t apply to the entire cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. Any qualifying discounts will help lower the amount you pay for coverage.

Car insurance companies that may offer quotes with most of these discounts include:

Check with each insurance company to apply every possible discount. A few discounts might not be available to policyholders in your area. If you would like to view insurance coverage companies with significant discounts, click here.

Lower your insurance rates

A large part of saving on auto insurance is knowing the factors that go into determining auto insurance rates. If you know what determines base rates, this allows you to make educated decisions that may reward you with cheaper rates. Lots of things are used in the calculation when you quote your car insurance policy. Some factors are common sense like an MVR report, although some other factors are more transparent such as your marital status or your commute time.

The factors shown below are some of the major factors used by insurance companies to determine your premiums.

Liability insurance – The liability section of your policy provides coverage when you are determined to be liable for physical damage or personal injury to other. This coverage provides you with a defense in court to attempt to prove you were not liable. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so do not skimp.
Do you know you’re credit history? – Your credit score is likely to be a major factor in determining what you pay. Therefore, if your credit rating is not that good, you could pay less to insure your 1996 Chevrolet Cavalier by taking the time to improve your credit score. Consumers who have high credit scores tend to be more responsible than those with lower credit ratings.
Safer cars are cheaper to insure – Safe vehicles tend to have lower insurance rates. Vehicles built for safety reduce the chance of injuries and any reduction in injury severity means less money paid by your insurance company and thus lower rates.
Bump up comp and collision deductibles to lower rates – Comp and collision deductibles represent how much money you are willing to pay out-of-pocket in the event of a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your car. A few examples of covered claims would be rearending another vehicle, damage from fire, and damage from wind. The more of the claim you have to pay, the less money you will pay for auto insurance for Cavalier insurance.
Premiums and your address – Having an address in smaller towns and rural areas of the country is a good thing if you are looking for the lowest rates. People who live in big cities have more aggressive driving styles and a longer drive to work. Less people living in that area means fewer accidents and a lower car theft rate.
Higher rates for tough vocations – Do you work in a high-stress field? Occupational choices like real estate brokers, architects and dentists have the highest average rates in part from intense work-related stress and extremely grueling work hours. On the flip side, careers such as scientists, historians and the unemployed have the lowest average rates for Cavalier insurance.
How many miles do you drive? – The higher the miles on your Chevy every year the more it will cost to insure it. A lot of insurance companies charge rates based upon how the vehicle is primarily used. Autos left parked in the garage receive lower rates than vehicles that have high annual mileage. Double check that your auto insurance policy shows the proper vehicle usage. An incorrectly rated Cavalier is throwing money out the window.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s needs are different.

For example, these questions may help highlight whether your personal situation could use an agent’s help.

Why am I required to get a high-risk car insurance policy?
How can I find cheaper teen driver insurance?
How much liability insurance is required?
Which companies will insure high-risk drivers?
Why am I be forced to buy a membership to get insurance from some companies?
When do I need to add a new car to my policy?
Can I afford to buy a different vehicle if my 1996 Chevy Cavalier is totaled?
Can I rate high risk drivers on liability-only vehicles?
When should I drop full coverage on my 1996 Chevy Cavalier?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

Auto insurance 101

Learning about specific coverages of your policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Cavalier.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, hitting a bird, vandalism, damage from a tornado or hurricane and a broken windshield. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sideswiping another vehicle, driving through your garage door and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for expenses like ambulance fees, X-ray expenses, doctor visits, surgery and hospital visits. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability auto insurance

This will cover injuries or damage you cause to other people or property in an accident. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like pain and suffering, funeral expenses, repair costs for stationary objects and loss of income. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Better coverage you can count on

In this article, we presented a lot of tips how to lower your 1996 Chevy Cavalier insurance premium rates. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers may even find the best price on insurance coverage is with a lesser-known regional company.

People leave their current company for many reasons like policy non-renewal, lack of trust in their agent, being labeled a high risk driver or even poor customer service. Whatever your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

There are still a few companies who do not provide the ability to get a quote online and most of the time these smaller providers work with independent agencies. Budget-friendly insurance coverage is attainable online in addition to many insurance agents, so you should compare both to get a complete price analysis.

Additional information can be found at the links below