How Much Does 1998 Chevrolet Cavalier Car Insurance Cost?

Consumers have options when looking for the best price on Chevy Cavalier insurance. You can either waste hours contacting agents trying to get quotes or leverage the internet to get rate quotes. There is a better way to shop for car insurance so you’re going to learn the quickest way to price shop coverage for a Chevy and get the cheapest rates from local insurance agents and online providers.

Get cheaper car insurance rates with discounts

Some companies don’t always list every discount they offer very clearly, so below is a list some of the best known as well as some of the hidden ways to save on car insurance.

  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Cavalier insurance as compared to drivers with claims.
  • Senior Citizens – If you’re over the age of 55, you may receive reduced rates for Cavalier insurance.
  • Military Rewards – Having an actively deployed family member could be rewarded with lower car insurance rates.
  • Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes are much safer to drive and qualify for as much as a 10% discount.
  • Homeowners Pay Less – Owning a home can save a few bucks because owning a home demonstrates responsibility.
  • Multi-policy Discount – When you combine your homeowners and auto insurance and insure them both with the same insurance company you will save 10% to 20% off each policy.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most only apply to the cost of specific coverages such as comp or med pay. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way.

Car insurance companies that may have these benefits include:

Before you buy a policy, ask each company or agent how you can save money. Some credits may not be available in every state.

Free insurance coverage quotes

Cutting your insurance coverage rates is not rocket science. Drivers just need to invest a little time getting comparison quotes from online providers. Insurance prices can be quoted using one of these methods.

  1. The single most time-saving way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This form saves time by eliminating separate forms for every insurance coverage company. One form will return price quotes direct from many companies. This is perfect if you don’t have a lot of time.
  2. A more time consuming way to find lower rates is to take the time to go to each company website and request a quote. For examples sake, let’s say you want rates from Nationwide, State Farm and GMAC. To find out each rate you need to navigate to each company’s site and type in your information over and over, which can get rather old.

    For a list of companies in your area, click here.

  3. The least recommended way to find cheaper rates is actually driving to insurance agencies in your area. Quoting online eliminates this option unless you require the peace of mind of a local agency. Although, it is possible price shop online and have a local agent actually service the policy.

Compare rates however you want, just do your best to enter exactly the same quote information on every price quote you get. If the quotes have unequal deductibles or liability limits it will be next to impossible to determine the best price for your Chevy Cavalier.

Smart choices result in lower insurance costs

Many things are used when pricing auto insurance. A few of the factors are predictable such as your driving record, but some are more obscure like your continuous coverage or your financial responsibility.Consumers need to have an understanding of the different types of things that are used to determine auto insurance rates. When consumers understand what determines base rates, this allows you to make good choices that could result in lower rates.

  • Excellent credit equals lower premiums – A driver’s credit score is a big factor in calculating your premium rate. So if your credit rating could use some work, you could save money insuring your 1998 Chevrolet Cavalier by improving your rating. Consumers who have high credit scores tend to file fewer claims than drivers with poor credit.
  • Bundle policies to earn discounts – Many insurance companies apply lower prices to policyholders that buy multiple policies. It’s known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even if you’re getting this discount consumers should still compare rates to guarantee you are still saving the most.
  • Rural vs Urban Areas – Choosing to live in areas with lower population is a good thing when buying auto insurance. People who live in big cities have more road rage incidents and more time behind the wheel. Fewer people translates into fewer accident claims in addition to fewer liability claims.
  • Experienced drivers are lower risk – Older people are shown to be more cautious, tend to cause fewer accidents , and are generally more financially stable.Youthful drivers are proven to be inattentive when driving with friends therefore auto insurance rates are much higher.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • Does liability extend to a camper or trailer?
  • Is pleasure use cheaper than using my 1998 Chevy Cavalier to commute?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover me when driving someone else’s vehicle?
  • Should I buy more coverage than the required minimum liability coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • Should I sign the liability waiver when renting a car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Are rental cars covered under my policy?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It is quick, free and may give you better protection.

Auto insurance 101

Understanding the coverages of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for expenses for dental work, nursing services, doctor visits and hospital visits. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 1998 Chevy Cavalier.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Collision coverages – Collision insurance will pay to fix damage to your Cavalier from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like driving through your garage door, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive coverages – Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, hail damage, a broken windshield and damage from flooding. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverage – Liability coverage will cover damage that occurs to a person or their property that is your fault. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as funeral expenses, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

One last thing

You just read quite a bit of information on how to shop for 1998 Chevy Cavalier insurance online. The key concept to understand is the more price quotes you have, the better likelihood of getting cheaper insurance coverage. Consumers may even find the lowest auto insurance rates come from the least-expected company.

Some insurance companies don’t offer internet price quotes regional insurance providers sell through independent agents. Cost effective 1998 Chevy Cavalier insurance can be purchased on the web and also from your neighborhood agents, so you should compare both so you have a total pricing picture.

As you quote insurance coverage, it’s not a good idea to sacrifice coverage to reduce premiums. Too many times, someone dropped physical damage coverage and learned later that it was a big mistake. Your goal should be to get the best coverage possible for the lowest price, but do not skimp to save money.

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