Save on 1999 Chevrolet Cavalier Insurance Quotes

Searching for the cheapest insurance rates for your Chevrolet Cavalier? Finding cheap Driversinsurance may be a challenge for drivers who are new to quoting and comparing prices online. With so many insurance agents and online companies available, it can quickly become a challenge to find cheaper rates.

It’s a good idea to compare rates on a regular basis since prices are constantly changing. Just because you had the best price for Cavalier coverage six months ago you can probably find a better rate now. You’ll find a ton of advice on insurance online but in a few minutes you can learn some guaranteed methods to quit paying high insurance rates.

Free car insurance quotes

When shopping for car insurance there are multiple ways to obtain and compare prices from different companies. The easiest way by far to do a complete rate comparison is to perform an online rate comparison. It is quite easy and can be accomplished using a couple different methods.

  • The simplest way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This style of form saves time by eliminating boring form submissions to each individual car insurance company. Taking the time to complete one form will get you rate comparisons direct from many companies. It’s definitely the quickest method.
  • A more time consuming way to analyze rates consists of visiting each individual company website to complete a price quote. For sake of this example, we’ll pretend you want to get rates from Allstate, GEICO and Travelers. To get each rate you have to spend time on each company’s site and type in your information over and over, which is why most consumers use the first method.

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

Whichever way you use, double check that you are using apples-to-apples quote information for every quote you compare. If you enter different data it will be nearly impossible to determine which rate is truly the best. Having just a slight variation in insurance coverages may cause a big price difference. Just remember that getting more free quotes will improve the odds of getting the best rates. Some insurance companies are not set up to provide online rate quotes, so you need to compare rates from the smaller companies as well.

Cheaper rates with these discounts

Insurance coverage is not cheap nor is it fun to buy but there could be significant discounts to reduce the price significantly. Certain reductions will be credited when you get a quote, but some discounts are required to be requested specifically before being credited.

  • Defensive Driver Discount – Taking part in a course that instructs on driving safety could save 5% or more and also improve your driving technique.
  • Claim Free – Insureds who avoid accidents and claims have much lower rates when compared with accident-prone drivers.
  • Discounts for Responsible Drivers – Drivers who don’t get into accidents can save as much as half off their rates for Cavalier coverage compared to accident prone drivers.
  • Anti-lock Brake System – Cars, trucks, and SUVs with ABS braking systems or traction control can avoid accidents and the ABS can save up to 10%.
  • Save with a New Car – Buying a new car model can be considerably cheaper since new vehicles are generally safer.

Policy discounts save money, but most discount credits are not given to all coverage premiums. A few only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way. Any amount of discount will definitely lower the cost of your policy.

For a list of providers with the best discounts, click here.

Smart consumers can save money

When buying car insurance it’s important to understand a few of the rating criteria that go into determining your premiums. If you know what determines premiums, this allows you to make good choices that could result in much lower annual insurance costs. Multiple criteria are considered when quoting car insurance. Some of the criteria are obvious like your driving record, but other factors are more obscure like your continuous coverage and annual miles driven.

  • Drive less and pay lower prices – The more you drive in a year the higher your rate. Many insurance companies charge rates based upon how much you drive. Autos that do not get driven very much can get a lower rate than cars that get driven a lot. An improperly rated Cavalier may be wasting your money. It’s a smart idea to ensure your car insurance policy is rated on how each vehicle is driven.
  • Use one insurance company and save – Most major insurance companies afford better rates to people who buy several policies from them, otherwise known as a multi-policy discount. This can amount to ten percent or more. If you currently are using one company, consumers should still compare rates to guarantee you are still saving the most.There is a chance you can save more without the discount by buying from different companies
  • Consider raising coverage deductibles – Physical damage protection, also called ‘full coverage’, helps pay for damage to your vehicle. Some instances where coverage would apply could be collision with another vehicle, hitting a deer, and rolling your vehicle. Comp and collision deductibles represent how much money you are required to spend if the claim is covered. The larger the amount the insured is willing to pay, the better rate you will receive for Cavalier coverage.
  • Higher premiums for car insurance lapses – Having an insurance coverage lapse is a quick way to trigger a rate increase. In addition to paying higher rates, not being able to provide proof of insurance might get you a fine, jail time, or a revoked license. You may need to file a SR-22 with your state motor vehicle department.
  • Improve your credit rating – Credit score is a large factor in determining your rates. If your credit history can be improved, you may save money insuring your 1999 Chevrolet Cavalier by repairing your credit. People that have excellent credit scores tend to be better risks to insure than drivers with lower credit scores.
  • Get better rates if married – Having a wife or husband helps lower the price when shopping for car insurance. It generally demonstrates drivers are more financially stable and insurance companies like that married drivers get in fewer accidents.
  • Reserve claims for larger damages – Auto insurance companies generally give better rates to people who do not file claims often. If you are the type of insured that files lots of claims you can definitely plan on higher premiums or even policy non-renewal. Auto insurance is intended to be relied upon for larger claims.
  • Cars with good safety ratings mean better prices – Vehicles with good safety scores are cheaper to insure. These vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders.

Car insurance can be complex

When it comes to choosing adequate coverage, there is no cookie cutter policy. Every situation is different.

For instance, these questions could help you determine if you would benefit from professional advice.

  • Am I covered if I crash into my own garage door?
  • How much liability coverage do I need in my state?
  • Do I need higher collision deductibles?
  • Are my tools covered if they get stolen from my vehicle?
  • How does medical payments coverage work?
  • Do I need motorclub coverage?
  • How can I find cheaper teen driver insurance?
  • Which companies will insure high-risk drivers?
  • Is extra glass coverage worth it?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

But they said I’d save $390 a year!

Insurance coverage companies such as Allstate, GEICO and Progressive seem to constantly run ads on television and other media. All the companies advertise claims that you can save if you get a free auto insurance quote and switch your insurance coverage policy to them. How do they all charge less that you’re paying now? You have to listen carefully.

Different companies can use profiling for the type of driver that will most likely be profitable. An example of a preferred risk could possibly be between the ages of 40 and 55, has a low-risk occupation, and has a short commute. Anybody who fits those characteristics is entitled to the best price and will pay quite a bit less when switching companies.

Potential insureds who fall short of the ideal profile will be quoted a higher rate which usually ends up with the customer not buying. The wording the ads use say “customers that switch” not “all people who quote” will save that much if they switch. That’s why companies can advertise the way they do. Because of the profiling, you need to get a wide range of price quotes. It’s just not possible to know which insurance coverage company will have the lowest rate quotes.

Car insurance coverage breakdown

Learning about specific coverages of a car insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for liability

Liability coverage protects you from damage or injury you incur to people or other property. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as medical expenses, bail bonds and structural damage. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive auto coverage

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from flooding, a tree branch falling on your vehicle and hail damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage pay for expenses for nursing services, surgery and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Collision protection

Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like rolling your car, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Don’t be a big spender

Consumers switch companies for a number of reasons such as lack of trust in their agent, poor customer service, unfair underwriting practices or delays in paying claims. Regardless of your reason, switching companies is not as difficult as it may seem.

While you’re price shopping online, it’s not a good idea to reduce needed coverages to save money. In many cases, consumers will sacrifice liability limits or collision coverage and discovered at claim time they didn’t purchase enough coverage. Your focus should be to get the best coverage possible at the best cost, but do not sacrifice coverage to save money.

The cheapest 1999 Chevy Cavalier insurance is definitely available from both online companies and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some companies may not offer rates over the internet and most of the time these smaller providers only sell through independent agents.

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