Lower Your 1997 Chevrolet Cavalier Car Insurance Quotes

Looking for better auto insurance rates for your Chevrolet Cavalier? Finding better insurance prices for a Chevy Cavalier can normally be a lot of work, but you can use these tips to find lower rates. There is a better way to shop for auto insurance and we’ll show you the best way to get price quotes for a Chevy and get the lowest possible price from local insurance agents and online providers.

Discount insurance quotes

The cost of insuring your cars can be expensive, but there are discounts available to cut the cost considerably. Some of these disounts will be visible when you purchase, but less common discounts must be asked about before you get the savings.

  • Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle up can save a little off PIP or medical payments premium.
  • Driver Safety – Participating in a class that teaches safe driver techniques could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Federal Employees – Active or former government employment can earn a discount up to 10% for Cavalier coverage with certain companies.
  • Telematics Data Discounts – Drivers who agree to allow their insurance company to scrutinize driving habits by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction as long as the data is positive.
  • Online Discount – Some of the larger companies will provide an incentive simply for signing online.
  • No Accidents – Drivers who don’t have accidents pay much less in comparison to drivers with a long claim history.

A quick disclaimer, some credits don’t apply the the whole policy. Some only reduce individual premiums such as liability, collision or medical payments. If you do the math and it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Some of the insurance companies who may offer some of the above discounts include:

When comparing rates, check with every insurance company which discounts can lower your rates. Depending on the company, some discounts might not be offered in your area. For a list of insurance companies that have a full spectrum of discounts, click here.

Compare auto insurance quotes online

Cutting your auto insurance rates is an easy way to save money. You just have to spend a few minutes comparing free car insurance quotes to see which company has cheap car insurance quotes. This can be done in a couple of different ways.

  1. The easiest and least time consuming way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This type of form keeps you from doing repetitive form entry for each company you want a rate for. Filling out one form will get you price quotes from auto insurance companies with the best prices. Just one form and you’re done.
  2. A more time consuming way to find more affordable insurance consists of visiting each company’s website and repeat the quote process again and again. For examples sake, let’s say you want to get rates from Farmers, 21st Century and State Farm. To get each rate you have to spend time going to each site individually to enter your coverage information, which can get rather old.

    To view a list of companies in your area, click here.

The method you choose is up to you, but do your best to use equivalent coverage limits with each company. If the quotes have different limits and deductibles on each one it will be very difficult to make an equal comparison.

Smart buyers can reduce insurance rates

Part of the car insurance buying process is learning the factors that help calculate the level of your policy premiums. If you have some idea of what influences your rates, this helps enable you to make changes that will entitle you to much lower annual insurance costs.

Shown below are some of the factors utilized by car insurance companies to help set your premiums.

  • Cheaper premiums for prior coverage – Having a gap between insurance policy dates will be a quick way to increase your rates. Not only will you pay more, failure to provide proof of insurance can result in a revoked license or a big fine. You may need to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • An active claims history can cost more – If you tend to file frequent claims, you should expect higher rates. Companies award lower rates to drivers who file claims infrequently. Auto insurance is intended to be relied upon for larger claims.
  • Theft deterrents systems cut rates – Purchasing a vehicle with a theft deterrent system can help lower your rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft and help bring rates down.
  • Reduce premiums by driving vehicles with better crash test results – Safer cars tend to be cheaper to insure. These vehicles reduce injuries and fewer serious injuries means less claims paid and cheaper rates on your policy. If your Chevy Cavalier has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Low mileage costs less – Driving more miles in a year the more you’ll pay to insure your vehicle. A lot of insurance companies apply a rate based upon how you use the vehicle. Cars not used for work or commuting can get a lower rate than cars that get driven a lot. An improperly rated Cavalier may be costing you. Verify your declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money.
  • Getting married pays dividends – Your spouse can actually save you money when buying car insurance. It usually means you are more mature and statistics prove drivers who are married are more cautious.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine whether you would benefit from an agent’s advice.

  • I have a DUI can I still get coverage?
  • What is covered by UM/UIM coverage?
  • When can I cancel my policy?
  • Do I need roadside assistance coverage?
  • Does insurance cover damages from a DUI accident?
  • How can I get my company to pay me more for my totalled car?
  • How much liability insurance is required?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is my 1997 Chevy Cavalier covered for flood damage?
  • Why am I required to buy high-risk coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance in the media

Drivers can’t get away from ads that claim the lowest rates from the likes of Allstate and Progressive. All the ads advertise the message about savings if you switch your policy.

It sounds good, but how can they all offer drivers better rates? It’s all in the numbers.

Many companies can use profiling for the driver that will add to their bottom line. One example of a desirable risk might be described as between the ages of 30 and 50, has a low-risk occupation, and has a short commute. A propective insured that fits those parameters will get very good rates and most likely will save quite a bit of money when switching.

Drivers who do not match these standards may receive higher prices which usually ends up with the customer not buying. If you listen to the ad wording, they say “drivers who switch” not “everyone that quotes” save money. That’s the way companies can truthfully state the savings. That is why it’s extremely important to do a rate comparison at every renewal. Because without a comparison, you cannot know the company that will have the best auto insurance rates at this point in time.

Insurance coverages and their meanings

Learning about specific coverages of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for expenses like pain medications, dental work, EMT expenses and surgery. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Collision protection

This coverage will pay to fix damage to your Cavalier resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a building, backing into a parked car, hitting a parking meter, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your 1997 Chevy Cavalier.

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

Liability coverages

This coverage protects you from damage or injury you incur to a person or their property. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as funeral expenses, structural damage, repair costs for stationary objects, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Comprehensive insurance

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from getting keyed, hitting a deer, falling objects and fire damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

In conclusion

Insureds leave their current company for a variety of reasons including denial of a claim, unfair underwriting practices, high prices or poor customer service. It doesn’t matter why you want to switch switching companies is actually quite simple.

More affordable insurance coverage can be bought from both online companies as well as from insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies may not provide online quoting and many times these smaller companies sell through independent agents.

We covered some good ideas how you can reduce 1997 Chevy Cavalier insurance prices online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding low cost car insurance. You may even discover the lowest prices are with a company that doesn’t do a lot of advertising.

Additional insurance coverage information is located at the links below