1990 Chevrolet Cavalier Insurance Rates – 6 Tricks for Cheaper Quotes

Looking for the cheapest car insurance rates for your Chevrolet Cavalier? Have you finally had enough of sacrificing to buy car insurance? You are in the same boat as most other consumers.

Lots of car insurance companies contend to insure your vehicles, so it can be very hard to choose a insurance company to discover the definitive best rates possible.

It’s a great practice to price shop coverage before your policy renews because rates are usually higher with each renewal. If you had the best rate for Cavalier insurance two years ago there may be better deals available now. There are a lot of ways to save on car insurance out there, but in a few minutes you can learn a bunch of ideas how to buy car insurance cheaper.

If you are paying for car insurance now, you will be able to lower your premiums substantially using these methods. Finding the best rates is not that difficult. Although consumers need to have an understanding of the way companies sell online because it can help you find the best coverage.

Are you receiving every discount?

Not too many consumers would say car insurance is affordable, but you may find discounts that can help lower your rates. Certain discounts will be applied when you purchase, but a few need to be requested specifically before being credited.

• Accident Waiver – Not necessarily a discount, but a handful of insurance companies will turn a blind eye to one accident before they charge you more for coverage so long as you haven’t had any claims for a set time period.
• E-sign – A handful of car insurance companies will give you a small discount just for signing your application on your computer.
• College Student Discount – who are enrolled in higher education away from home without a vehicle on campus can receive lower rates.
• Active Service Discounts – Being deployed with a military unit could mean lower premium rates.
• Senior Citizen Discount – Mature drivers may receive a slight reduction on a insurance quote for Cavalier insurance.
• Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20% or more.

A quick disclaimer, most discount credits are not given the the whole policy. Most only reduce individual premiums such as collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, nobody gets a free ride.

Companies and some of the premium reductions they offer are detailed below.

• American Family has discounts for good driver, air bags, Steer into Savings, good student, TimeAway discount, and multi-vehicle.
• Farm Bureau has savings for good student, multi-vehicle, driver training, 55 and retired, renewal discount, multi-policy, and safe driver.
• State Farm offers discounts for student away at school, Drive Safe & Save, accident-free, defensive driving training, passive restraint, and anti-theft.
• Travelers may include discounts for save driver, home ownership, driver training, good student, and continuous insurance.
• The Hartford policyholders can earn discounts including defensive driver, anti-theft, bundle, good student, driver training, and vehicle fuel type.
• Geico offers premium reductions for defensive driver, five-year accident-free, membership and employees, anti-lock brakes, and seat belt use.
• Progressive may offer discounts for online signing, good student, online quote discount, multi-policy, and continuous coverage.

When getting a coverage quote, ask each company which credits you are entitled to. Discounts may not apply to policyholders in your area. For a list of providers that can offer you the previously mentioned discounts, click this link.

How to buy car insurance online

When looking for low cost insurance quotes, there are a couple ways of comparing price quotes from companies that offer car insurance in your state. The easiest way by far to comparison shop is to use the internet to compare rates. This is quite simple and can be completed in several different ways.

The fastest and easiest way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This quick form saves time by eliminating multiple quote forms for every car insurance company. One form gets you price quotes direct from many companies.

A harder way to compare prices is going to the website for every company you want to comare and fill out a new quote form. For example, we’ll pretend you want to see prices from Auto-Owners, Farmers and Liberty Mutual. You would have to go to each individual site to input your insurance information, and that explains why we recommend the first method. To view a list of companies in your area, click here.

Whichever way you choose to compare rates, be sure to compare identical coverage limits and deductibles for each price quote. If you enter different coverage information you can’t possibly truly determine the lowest rate. Just a small difference in coverages can mean a large discrepancy in price. And when quoting car insurance, remember that comparing more company’s prices will improve the odds of getting more affordable rates.

When in doubt talk to an agent

When choosing coverage, there really is no cookie cutter policy. Everyone’s needs are different and your policy should reflect that. For instance, these questions may help highlight if you may require specific advice.

• Should I put collision coverage on all my vehicles?
• What discounts do I qualify for?
• Does my personal policy cover me when driving out-of-state?
• How do I insure my teen driver?
• How much liability insurance is required?
• Are all vehicle passengers covered by medical payments coverage?
• When would I need additional glass coverage?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverages explained

Understanding the coverages of your auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages available from auto insurance companies.

Auto collision coverage

This coverage pays for damage to your Cavalier resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a building, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for immediate expenses for things like chiropractic care, hospital visits and EMT expenses. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability insurance

This can cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as medical services, repair costs for stationary objects and attorney fees. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance will pay to fix 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 protects against things such as vandalism, a broken windshield, a tree branch falling on your vehicle, rock chips in glass and falling objects. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Chevy Cavalier.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Online plus local equals savings

As you quote insurance, you should never reduce needed coverages to save money. In many instances, someone dropped full coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage at a price you can afford, but don’t skip important coverages to save money.

We just showed you some good ideas how to save on 1990 Chevy Cavalier insurance. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even find the lowest premium rates are with an unexpected company. Regional companies may cover specific market segments cheaper compared to the large companies like State Farm and Allstate.

Cheaper 1990 Chevy Cavalier insurance is available online in addition to many insurance agents, and you should be comparing both to have the best rate selection. Some insurance providers don’t offer online quoting and most of the time these smaller companies only sell through independent agencies.

Other learning opportunities

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)
• Parking Tips to Reduce Door Dings (State Farm)