Save on 2003 Chevrolet Cavalier Insurance Rates

Searching for lower insurance rates for your Chevrolet Cavalier? Locating low-cost insurance for a new or used Chevy Cavalier can normally be a lot of work, but you can use these tips and make it easy.

There is a better way to find insurance online so you’re going to learn the best way to compare rates for a Chevy and locate the lowest possible price from local insurance agents and online providers.

Buying affordable car insurance is quite easy. If you have a policy now or need a new policy, you can follow these tips to find better prices while maintaining coverages. Consumers only need to know the most efficient way to get comparison rates on the web.

Free insurance coverage quotes

Finding low cost insurance coverage prices isn’t really that difficult. All you need to do is take a few minutes to get quotes to discover which company has low cost auto insurance quotes. Comparing prices online can be done in a couple of different ways.

  1. The single most time-saving way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This form keeps you from doing separate quotation requests to each individual insurance coverage company. Just one form will return price quotes from multiple low-cost companies. Just one form and you’re done.
  2. Another way to obtain and compare quotes online consists of going to each individual company website to complete a price quote. For examples sake, we’ll assume you want to compare prices for State Farm, Progressive and Farmers. To find out each rate you need to visit each site and enter your information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

The approach you take is up to you, just ensure you are comparing nearly identical coverage limits and deductibles with every price quote. If your comparisons have different coverage information it will be impossible to find the best deal for your Chevy Cavalier.

Slash your auto insurance rates with discounts

Auto insurance is expensive, but there could be available discounts to help offset the cost. Certain reductions will be credited at the time of quoting, but a few need to be specially asked for in order for you to get them.

  • ABS Brakes – Cars and trucks with anti-lock braking systems are much safer to drive so you can save 10 percent or more.
  • Student Driver Training – Require your teen driver to take driver’s ed class in school or through a local driver safety program.
  • Smart Student Discounts – A discount for being a good student can earn a discount of 20% or more. The good student discount can last until age 25.
  • Student in College – Any of your kids who live away from home to go to college without a vehicle on campus could get you a discount.
  • Discounts for Multiple Vehicles – Having multiple vehicles with one company qualifies for this discount.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags may earn rate discounts of 20 to 30 percent.
  • Bundle and Save – If you have multiple policies and insure them with the same company you could save nearly 15% which can help you find low cost auto insurance.
  • Save with a New Car – Buying a new car instead of a used car can get you a discount because new model year vehicles are generally safer.
  • Low Miles Discount – Low annual miles could be rewarded with lower auto insurancerates on the low mileage vehicles.
  • Military Discounts – Being deployed with a military unit may lower your premium rates slightly.

A quick disclaimer, most discounts do not apply to the entire policy premium. Most only cut individual premiums such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Popular auto insurance companies and a partial list of their discounts are included below.

  • The Hartford has savings for anti-theft, bundle, driver training, air bag, and vehicle fuel type.
  • American Family offers premium reductions for Steer into Savings, TimeAway discount, defensive driver, accident-free, and mySafetyValet.
  • Progressive may have discounts that include continuous coverage, online signing, good student, homeowner, and multi-vehicle.
  • Travelers discounts include driver training, hybrid/electric vehicle, payment discounts, save driver, student away at school, continuous insurance, and new car.
  • Farmers Insurance policyholders can earn discounts including multi-car, alternative fuel, early shopping, bundle discounts, pay in full, business and professional, and mature driver.
  • USAA may include discounts for good student, safe driver, loyalty savings, military installation, driver training, vehicle storage, and family discount.
  • Liberty Mutual has discounts for preferred payment discount, newly married, new move discount, multi-policy, hybrid vehicle, and newly retired.

If you need affordable auto insurance quotes, ask each company or agent how you can save money. Some discounts may not apply in your state. To find auto insurance companies offering auto insurance discounts, click here to view.

You are unique and your insurance should be too

When choosing coverage, there is no single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that could help you determine if your insurance needs may require specific advice.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I sign the liability waiver when renting a car?
  • Should I bundle my homeowners policy with my auto?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What is an SR-22 filing?
  • Why do I only qualify for high-risk insurance?
  • Do I pay less for low miles?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

The Chevy Cavalier insurance rate equation

When buying insurance coverage it’s important to understand the rating factors that aid in calculating your policy premiums. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that can earn you lower premium levels.

The items below are some of the most common factors that factor into rates.

  • Save annual miles and save money – Driving more miles each year the higher your rate. The majority of insurers rate vehicles based on their usage. Autos used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. An incorrectly rated Cavalier is throwing money out the window. It’s a good idea to make sure your insurance coverage policy correctly shows the correct usage for each vehicle, because improper ratings can cost you money.
  • Marriage can save on insurance coverage – Walking down the aisle may cut your premiums on your insurance coverage policy. Marriage generally demonstrates drivers are more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
  • Liability claims can be big – Liability insurance is the coverage that protects you when you are ruled to be at fault for physical damage or personal injury to other. This coverage provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Youthful drivers cost more – Young drivers have been known to be more careless when at the wheel of a vehicle so insurance coverage rates are higher. Having to add a beginning driver to your insurance coverage policy will cause a huge premium hike. Older, more experienced drivers tend to be more responsible, tend to file fewer claims and get fewer tickets.
  • Premiums and your address – Having an address in less populated areas can save you money when shopping for auto insurance. Fewer people means less chance of accidents. Drivers who live in large cities tend to have traffic congestion and longer commute times. More time behind the wheel means more chance of being in an accident.

Misconceptions in car insurance advertisements

Consumers can’t avoid all the ads that promise big savings from the likes of State Farm, GEICO and Progressive. All the ads make the same claim that people will save if you get a free auto insurance quote and switch your policy.

It sounds good, but how can they all claim to save you money? You have to listen carefully.

Most companies are able to cherry pick for the type of driver that will not have excessive claims. A good example of this type of driver might be described as a mature driver, has had continuous coverage, and has great credit. Anybody who meets those qualifications receives the best prices and will most likely save some money.

Potential customers who are not a match for the “perfect” profile may receive a higher premium which translates to the customer not purchasing. The ads state “people who switch” but not “all drivers who get quotes” save the amount stated. That’s why companies can make it sound like they have such great rates.

This illustrates why you really should get auto insurance quotes from several different companies. It is impossible to guess with any certainty which company will be your best fit.

Parts of your car insurance policy

Having a good grasp of your policy helps when choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for expenses such as rehabilitation expenses, pain medications, chiropractic care and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Liability car insurance – This protects you from damages or injuries you inflict on a person or their property in an accident. This coverage protects you from legal claims by others. 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. You might see values of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as attorney fees, legal defense fees and structural damage. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Comprehensive coverages – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, hitting a bird, a tree branch falling on your vehicle, a broken windshield and damage from getting keyed. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverages – Collision coverage will pay to fix damage to your Cavalier resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a ditch, scraping a guard rail, colliding with a tree and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Chevy Cavalier.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Money doesn’t grow on trees

When you buy auto insurance online, never reduce coverage to reduce premium. Too many times, an insured dropped full coverage to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Cost effective 2003 Chevy Cavalier insurance can be bought on the web and with local insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies do not offer the ability to get a quote online and most of the time these small insurance companies provide coverage only through independent agencies.

Throughout this article, we presented a lot of tips how to save on 2003 Chevy Cavalier insurance. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even discover the best price on car insurance is with the least-expected company.

For more information, take a look at the following helpful articles: