2000 Chevrolet Cavalier Insurance Cost – 7 Policy Discounts

Want the cheapest insurance coverage rates for your Chevrolet Cavalier? Are you tired of not being able to afford to insure your Chevy every month? You are no different than the majority of other consumers.

Many insurers vie for your hard-earned dollar, so it’s not easy to compare every insurer and uncover the absolute lowest price

It’s smart to do rate comparisons once or twice a year because insurance coverage rates are variable and change quite frequently. If you had the best deal for Cavalier coverage a year ago there may be better deals available now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn one of the quickest ways to find great coverage at a great price.

Seven discounts for cheap insurance coverage rates

Auto insurance companies don’t always advertise every discount they offer in an easy-to-find place, so we researched a few of the more common and also the more inconspicuous discounts that may be available.

  • Auto/Home Discount – If you have multiple policies and insure them with the same company you may earn as much as 10 to 15 percent.
  • Telematics Discount – Drivers who agree to allow their company to scrutinize driving patterns by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they have good driving habits.
  • Anti-theft Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen with less frequency and earn discounts up to 10% off your insurance coverage quote.
  • Save with More Vehicles Insured – Drivers who insure more than one vehicle on one policy can reduce the rates for all insured vehicles.
  • Payment Method – By making one initial payment rather than paying monthly you can avoid monthly service charges.
  • Responsible Drivers – Safe drivers can save up to 40% or more on their insurance coverage quote for Cavalier coverage as compared to drivers with claims.
  • Discount for Passive Restraints – Factory air bags and/or automatic seat belt systems can receive discounts as much as 30%.

Keep in mind that most discount credits are not given the the whole policy. Most only apply to specific coverage prices like comp or med pay. Despite the fact that it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.

A list of companies and some of the premium reductions they offer include:

  • State Farm has discounts for multiple autos, Drive Safe & Save, driver’s education, passive restraint, student away at school, and anti-theft.
  • GEICO policyholders can earn discounts including multi-vehicle, air bags, seat belt use, membership and employees, emergency military deployment, five-year accident-free, and driver training.
  • Allstate offers discounts for anti-theft, 55 and retired, defensive driver, multi-policy, and new car.
  • SAFECO has savings for teen safe driver, homeowner, bundle discounts, safe driver, and accident prevention training.
  • Farm Bureau may include discounts for 55 and retired, multi-policy, youthful driver, good student, and driver training.
  • Progressive includes discounts for homeowner, multi-vehicle, multi-policy, online quote discount, continuous coverage, and online signing.
  • AAA may offer discounts for good driver, multi-policy, multi-car, AAA membership discount, and education and occupation.

When getting free insurance coverage quotes, it’s a good idea to every insurance company how you can save money. Some discounts listed above may not apply to policies in your area. If you would like to see a list of companies that offer many of these discounts, click here.

Cheapest auto insurance price quotes

When looking for cheap insurance coverage quotes, there are a couple ways to compare quotes from companies that offer auto insurance in your state. The recommended way to compare 2000 Chevy Cavalier insurance prices involves getting comparison quotes online. This is quite simple and can be completed by using one of the methods below.

  • One of the simplest ways to find the lowest comparison rates is an all-inclusive rate comparison click to view form in new window. This easy form prevents you from having to do separate forms for each company you want a rate for. Completing one form will get you price quotes from multiple companies.
  • Another way to compare rate quotes consists of going to the website of each company to request a price quote. For example, we’ll assume you are doing a rate comparison from USAA, Liberty Mutual and Progressive. In order to compare rates, you need to visit each site and repeatedly type in your coverage information, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but make sure you use the exact same coverage limits and deductibles with each company. If each company quotes different deductibles it’s not possible to truly determine the lowest rate. Just a small difference in limits can mean a large discrepancy in price. Keep in mind that making a lot of price comparisons will increase your chances of finding the best price. Not every company provides online quotes, so you should also compare prices from them as well.

You may need specialized auto insurance coverage

When it comes to buying proper insurance coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that may help highlight whether you will benefit from professional help.

  • Are there companies who specialize in insuring high-risk drivers?
  • Who is covered when they drive my 2000 Chevy Cavalier?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does insurance cover tools stolen from my truck?
  • Do I need PIP coverage since I have good health insurance?
  • Can I rent a car in Mexico?
  • Is there coverage for injuries to my pets?
  • Am I covered when driving a rental car?
  • Does liability extend to a camper or trailer?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Insurance coverage specifics

Knowing the specifics of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most insurance policies.

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, fire damage, rock chips in glass and vandalism. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for liability – This will cover damage or injury you incur to a person or their property that is your fault. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as funeral expenses, emergency aid, repair bills for other people’s vehicles, court costs and medical expenses. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Collision – Collision insurance covers damage to your Cavalier from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with another moving vehicle, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for bills such as EMT expenses, hospital visits and prosthetic devices. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Cavalier.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Cheaper insurance is a realistic goal

When trying to cut insurance costs, you should never buy less coverage just to save a little money. There are many occasions where someone sacrificed uninsured motorist or liability limits only to regret at claim time that the few dollars in savings costed them thousands. Your objective should be to purchase plenty of coverage at an affordable rate, but do not skimp to save money.

We just presented some good ideas how to save on 2000 Chevy Cavalier insurance. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced car insurance comes from the least-expected company. Smaller companies can often provide lower auto insurance rates in certain areas as compared to the big name companies such as GEICO and State Farm.

Some companies may not provide rates over the internet and these smaller providers provide coverage only through independent agencies. Cheaper 2000 Chevy Cavalier insurance is definitely available on the web and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates.

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