Compare 2004 Chevrolet Cavalier Insurance Rates

Buyers have many options when searching for the lowest priced Chevy Cavalier insurance. They can either spend hours driving around trying to get quotes or utilize the internet to find the lowest rates.

There is a better way to buy car insurance so we’re going to tell you the absolute fastest way to compare rates for your Chevy and obtain the lowest price from local insurance agents and online providers.

Consumers need to do price comparisons yearly because prices are variable and change quite frequently. Just because you found the lowest price for Cavalier coverage on your last policy there may be better deals available now. Ignore everything you know about car insurance because we’re going to demonstrate the best way to find better coverage at a better price.

How to find cheap insurance

Cutting your insurance rates can be surprisingly simple. You just have to take time to compare rate quotes online with multiple companies. You can get a good selection of rate quotes using a couple different methods.

  1. The fastest and easiest way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This type of form saves time by eliminating separate quote forms for every company. In just a few minutes this one form will return quotes from insurance companies with the best prices. It’s the fastest way to compare.
  2. A slightly less efficient method to compare rate quotes is to manually visit each company website and repeat the quote process again and again. For examples sake, let’s say you want comparison quotes from Auto-Owners, Allstate and American Family. To get rate quotes you would need to go to every website and enter your information, which can get rather old. To view a list of companies in your area, click here.

Whichever method you choose, make sure you are using apples-to-apples coverage data for each comparison quote. If your comparisons have higher or lower deductibles then you won’t be able to determine which rate is truly the best.

Get more affordable insurance with these tips

When buying insurance it’s important to understand a few of the rating criteria that aid in calculating insurance rates. If you have a feel for what determines premiums, this helps enable you to make changes that may reward you with lower insurance prices. Multiple criteria are part of the calculation when you get a price on insurance. Some are obvious like your driving record, although others are not as apparent like where you live or how financially stable you are.

  • No policy lapses lowers rates – Having a gap between insurance policy dates is a quick way to drive up your policy premiums. And not only will insurance be more expensive, getting caught without coverage may earn you fines and jail time.
  • Gender impacts rates – Statistics demonstrate women tend to be less risk to insure than men. Now that doesn’t mean females are better drivers. Men and women tend to get into at-fault accidents in similar percentages, but the men have accidents that have higher claims. In addition to higher claims, males also receive more major tickets such as DWI and reckless driving. Young men ages 16 to 20 are most likely to cause an accident and therefore have the most expensive insurance rates.
  • Single vs. married – Having a significant other can get you a discount on your insurance bill. Having a significant other means you’re more mature than a single person and insurance companies like that being married results in fewer claims.
  • Bump up comp and collision deductibles to lower rates – The deductibles define how much the insured will be required to pay before a claim is paid by your company. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, insures against damage to your car. Examples of covered claims would be colliding with a stationary object, vandalism, or theft of your vehicle. The higher the amount you choose to pay out-of-pocket, the lower your rates will be for Cavalier coverage.
  • More stress means more cost – Did you know your career choice can influence rates? Occupations such as real estate brokers, executives and financial analysts tend to pay higher average rates because of high stress levels and lengthy work days. Other occupations like professors, historians and retirees have lower than average premiums for Cavalier coverage.

Get affordable rates with discounts

Insurance can cost an arm and a leg, but you might already qualify for some discounts that may help make it more affordable. A few discounts will be applied when you quote, but a few must be asked for before you will receive the discount. If you’re not getting every credit you qualify for, you could be getting lower rates.

  • Responsible Drivers – Drivers without accidents can pay as much as 50% less for Cavalier coverage as compared to drivers with claims.
  • Clubs and Organizations – Having an affiliation with a professional or civic organization is a simple method to lower premiums when shopping for insurance coverage.
  • Sign Early and Save – Select insurance companies give a discount for renewing your policy before your current policy expires. Ten percent is about the average savings.
  • Defensive Driver Discount – Completing a class that teaches defensive driving techniques could cut 5% off your bill and easily recoup the cost of the course.
  • Anti-theft Discount – Vehicles optioned with advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Own a Home and Save – Owning a house may trigger a policy discount on insurance coverage due to the fact that maintaining a home is proof of financial responsibility.
  • Good Student Discount – This discount can earn a discount of 20% or more. This discount can apply until age 25.
  • Low Miles Discount – Fewer annual miles on your Chevy can earn lower insurance coveragerates due to less chance of an accident.
  • Safety Restraint Discount – Buckling up and requiring all passengers to buckle up before driving can save up to 15% off the medical payments premium.

You should keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only cut specific coverage prices like comprehensive or collision. Even though the math looks like all those discounts means the company will pay you, insurance coverage companies aren’t that generous. Any amount of discount will lower the cost of your policy.

A few of the larger companies and their possible discounts include:

  • Farm Bureau offers premium reductions for driver training, multi-vehicle, 55 and retired, good student, youthful driver, safe driver, and renewal discount.
  • State Farm includes discounts for multiple policy, driver’s education, Steer Clear safe driver discount, student away at school, and good driver.
  • Progressive discounts include online signing, multi-policy, homeowner, continuous coverage, good student, and online quote discount.
  • Allstate may include discounts for good student, auto/life discount, anti-lock brakes, defensive driver, and FullPay discount.
  • Nationwide policyholders can earn discounts including Farm Bureau membership, anti-theft, good student, multi-policy, accident-free, and defensive driving.
  • MetLife may offer discounts for good student, claim-free, accident-free, multi-policy, and good driver.

When getting free car insurance quotes, it’s a good idea to each company which discounts can lower your rates. Discounts may not be offered in your area. If you would like to see a list of companies offering insurance coverage discounts, click this link.

What is the best insurance coverage?

When buying the best insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine if your insurance needs will benefit from professional help.

  • Is rental equipment covered for theft or damage?
  • Do I have newly-aquired coverage?
  • Do I need rental car coverage?
  • Where can I find DUI or SR-22 insurance?
  • Is upholstery damage covered by car insurance?
  • Why do I only qualify for high-risk insurance?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

Specific coverages for a Chevy Cavalier

Knowing the specifics of your policy helps when choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be difficult to understand and coverage can change by endorsement.

Comprehensive coverage – This pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, fire damage and a broken windshield. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like prosthetic devices, chiropractic care, EMT expenses, X-ray expenses and pain medications. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Cavalier.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverages – This coverage will pay to fix damage to your Cavalier from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like backing into a parked car, crashing into a building, hitting a parking meter, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability auto insurance – This coverage will cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like emergency aid, medical services, court costs, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Don’t be a big spender

You just read a lot of techniques to get a better price on 2004 Chevy Cavalier insurance. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the lowest prices are with a lesser-known regional company.

Cost effective 2004 Chevy Cavalier insurance is possible online as well as from independent agents, and you should compare price quotes from both to have the best rate selection. Some auto insurance companies may not offer rate quotes online and many times these smaller providers provide coverage only through independent agents.

As you restructure your insurance plan, it’s not a good idea to reduce coverage to reduce premium. There have been many cases where someone sacrificed liability limits or collision coverage only to find out that it was a big mistake. Your strategy should be to buy the best coverage you can find at the lowest possible cost but still have enough coverage for asset protection.

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