Cheaper 2002 Chevrolet Cavalier Insurance Quotes

Drivers have options when trying to find the lowest priced Chevy Cavalier insurance. They can either spend hours driving around trying to get quotes or leverage the internet to get rate quotes. There are more efficient ways to shop for insurance and you need to know the absolute fastest way to quote coverages for a Chevy and get the lowest price from both online companies and local agents.

Buying car insurance is not rocket science. If you have car insurance now, you stand a good chance to be able to save some money using this strategy. Vehicle owners just need to learn how to get comparison rates online.

How your Cavalier insurance costs are determined

Part of the auto insurance buying process is learning the different types of things that play a part in calculating the rates you pay for auto insurance. If you know what determines premiums, this enables informed choices that will entitle you to lower rates.

  • Keep auto insurance rates low by being claim-free – Companies provide cheaper rates to people who are claim-free. If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Auto insurance is intended for more catestrophic claims.
  • Safer cars save money – Vehicles with high crash test scores tend to have lower insurance rates. Safer cars have better occupant injury protection and lower injury rates translates into savings for insurance companies and thus lower rates. If your Chevy scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
  • Responsible credit saves on auto insurance – Having a bad credit rating can be a huge factor in determining premium rates. People that have excellent credit tend to be better drivers and file fewer claims as compared to drivers with lower ratings. If your credit score can be improved, you could be paying less to insure your 2002 Chevrolet Cavalier by improving your rating.
  • Your occupation and auto insurance rates – Do you have a high-stress occupation? Jobs like lawyersairline pilots and miners have the highest rates in part from intense work requirements and lengthy work days. On the flip side, occupations like scientists, athletes and performers generally pay rates lower than average on Cavalier insurance.

Car Insurance Discounts

Some insurance providers don’t necessarily list every possible discount in a way that’s easy to find, so the list below gives a summary of both well-publicized and the more hidden car insurance savings.

  • Online Discount – A handful of insurance companies may give you up to $50 simply for signing over the internet.
  • Sign Early and Save – Some companies give discounts for buying a policy before your current policy expires. You may see this discount when you get insurance coverage quotes online.
  • Federal Employees – Active or former government employment could cut as much as 10% off on Cavalier insurance but check with your company.
  • Drive Less and Save – Driving less may enable drivers to earn substantially lower prices.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% on Cavalier insurance than drivers with accident claims.

As is typical with insurance, most discount credits are not given to the entire cost. Some only reduce specific coverage prices like comp or med pay. If you do the math and it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy. But all discounts will positively reduce the premium cost.

Larger car insurance companies and a summarized list of policyholder discounts include:

  • GEICO has discounts for driver training, federal employee, five-year accident-free, air bags, emergency military deployment, seat belt use, and anti-theft.
  • Travelers may include discounts for driver training, student away at school, payment discounts, multi-car, home ownership, hybrid/electric vehicle, and early quote.
  • Farm Bureau has savings for multi-policy, youthful driver, renewal discount, multi-vehicle, good student, and driver training.
  • Liberty Mutual offers premium reductions for teen driver discount, multi-policy, safety features, multi-car, newly married, and new vehicle discount.
  • American Family policyholders can earn discounts including air bags, good student, TimeAway discount, Steer into Savings, accident-free, and defensive driver.
  • Progressive may have discounts that include multi-policy, online signing, good student, homeowner, online quote discount, multi-vehicle, and continuous coverage.

Before buying, ask every prospective company the best way to save money. Some credits might not be offered in every state. To see car insurance companies with significant discounts, follow this link.

Slick advertising tricks that work

Drivers can’t avoid all the ads that promise big savings for switching by companies like 21st Century, Allstate and State Farm. All the companies advertise claims of big savings just by switching your insurance coverage policy to them.

How do they all give you a lower rate? This is the way they can do it.

Most companies are able to cherry pick for the type of customer that is profitable for them. A good example of a profitable customer could be between 25 and 40, has no tickets, and insures a new vehicle. Any new insured that fits those parameters receive the lowest rate quotes and is almost guaranteed to save when switching.

Insureds who do not match these criteria must pay higher prices which usually ends up with the customer not buying. The ad wording is “people who switch” but not “all drivers who get quotes” save that much. That is how insurance companies can make the claims of big savings. Different companies use different criteria so you absolutely need to compare free insurance coverage quotes often. It’s just not possible to know the company that will have better car insurance rates than you’re paying now.

Tailor your car insurance coverage to you

When buying adequate coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique.

For example, these questions might help in determining whether or not you could use an agent’s help.

  • Can I still get insurance after a DUI?
  • Why does it cost so much to insure a teen driver?
  • Do I have coverage when using my vehicle for my home business?
  • Am I covered if I drive in a foreign country?
  • Is upholstery damage covered by car insurance?
  • Is business property covered if stolen from my car?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my Chevy Cavalier covered if I use it for business?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can help protect your family.

Auto insurance coverage information

Knowing the specifics of a insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Liability insurance

This coverage provides protection from injuries or damage you cause to other people or property by causing an accident. This insurance 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, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for things such as structural damage, legal defense fees, court costs and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Chevy Cavalier.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Collision coverage protection

Collision insurance covers damage to your Cavalier caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with another moving vehicle, driving through your garage door, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, hitting a bird, a broken windshield, hail damage and vandalism. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for expenses such as EMT expenses, rehabilitation expenses and ambulance fees. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Online plus local equals savings

In this article, we presented many tips how you can save on 2002 Chevy Cavalier insurance. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding low cost insurance coverage. Drivers may discover the biggest savings come from some of the lesser-known companies.

Cheap 2002 Chevy Cavalier insurance can be sourced on the web in addition to many insurance agents, so get free insurance coverage quotes from both of them to have the best chance of lowering rates. A few companies may not offer online quoting and usually these smaller providers work with independent agents.

While you’re price shopping online, make sure you don’t buy poor coverage just to save money. There are many occasions where an accident victim reduced collision coverage and found out when filing a claim that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find at the best possible price while still protecting your assets.

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