1991 Chevrolet Cavalier Insurance Quotes

Trying to find the cheapest insurance coverage rates for your Chevrolet Cavalier? Are you sick and tired of scraping nickels together each month for insurance coverage? You are no different than many other consumers. Online insurance companies like State Farm, Allstate, Geico and Progressive all claim big savings, bombarding you with ads and it is difficult to separate fact from fiction and find the best price available.

Consumers should take time to shop coverage around before your next renewal because insurance rates are variable and change quite frequently. Despite the fact that you may have had the best deal for Cavalier insurance a year ago the chances are good that you can find a lower price today. You can find a lot of wrong information about insurance coverage online, but in this article, you’re going to get some excellent ideas to lower your insurance coverage bill.

If you have a policy now or need a new policy, you will benefit by learning to cut your premiums and still get good coverage. Buying car insurance is not rocket science. Drivers just need to learn the most effective way to get comparison rates online.

Get cheap insurance rates by understanding these factors

Lots of factors are part of the calculation when pricing auto insurance. Some are obvious like a motor vehicle report, but other criteria are not as apparent such as whether you are married or your vehicle rating.

The list below includes some of the most common factors used by companies to determine your rate level.

• How’s your driving record? – Drivers who don’t get tickets receive lower rates compared to bad drivers. Even a single speeding ticket may increase your cost by as much as twenty percent. Drivers who have received serious citations such as DUI, reckless driving or excessive speeding may be required to maintain a SR-22 to the state department of motor vehicles in order to legally drive a vehicle.
• Reserve policy claims for larger damages – Insurance companies generally give cheaper rates to drivers who do not rely on their insurance for small claims. If you file claims often, you can definitely plan on either higher rates or even cancellation. Your car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
• Low deductibles can be expensive – The deductibles you choose are the amount of money you are willing to pay out-of-pocket before your auto insurance pays a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims are a windshield broken by a bird, damage caused by hail, and damage caused by road hazards. The more the insured is willing to pay, the less your company will charge you for insurance for Cavalier insurance.
• Teen vs. experienced drivers – Older insureds are more responsible, statistically cause fewer accidents and get fewer tickets.Youthful drivers are statistically shown to be easily distracted when at the wheel of a vehicle so auto insurance rates are higher.
• Don’t skimp on liability – Liability coverage provides coverage if you are responsible for damages from an accident. It will provide you with a defense in court which can cost a lot. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
• Extra policy coverages push up prices – Insurance companies have many add-on coverages you can purchase if you aren’t careful. Add-on coverages like rental car coverage, better glass coverage, and motor club memberships could be just wasting money. They may sound like good ideas when you first buy your policy, but now you might not need them so think about removing them and cutting costs.
• High credit scores save money – An insured’s credit rating factor in calculating your auto insurance rates. Therefore, if your credit history is low, you could potentially save money when insuring your 1991 Chevrolet Cavalier by improving your rating. Insureds that have high credit scores tend to file fewer claims than drivers who have poor credit scores.
• Vehicle features impact premiums – Choosing a vehicle that has an advanced theft prevention system can help lower your premiums. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent car theft and help bring rates down.

How to buy insurance coverage

Comparing insurance coverage rates is a ton of work if you don’t utilize the fastest way to get free quotes. You could waste a few hours driving to local insurance agents in your area, or you could use online quoting to get rates in a matter of minutes.

Many of the larger companies are enrolled in a marketplace that enables customers to submit one quote, and at least one company then gives them pricing based on that information. This system prevents you from having to do quote forms for each company you want a rate for.

To find out how much you can save on insurance coverage click here to open in new window.

The only downside to using this type of form is buyers cannot specifically choose which companies to get pricing from. So if you want to select individual companies to request quotes from, we have a page of companies who write insurance coverage in your area. Click here for list of insurance companies.

Which method you use is up to you, but do your best to use nearly identical coverages for each quote you get. If each company quotes different values for each quote it’s not possible to determine which company has the best rates.

Do insurance companies bend the truth?

Drivers can’t get away from all the ads that promise big savings by companies like Progressive, Geico, Allstate and State Farm. All the ads advertise the message that drivers can save some big amount if you change your coverage.

That’s great but how can every company have lower policy pricing? Here is the trick they use.

All companies require specific criteria for the driver that earns them the highest profit. For instance, this type of driver may be a married female, has few claims, and drives a lower-performance vehicle. A customer getting a price quote that hits that “sweet spot” is entitled to the best price and will most likely save some money.

Consumers who do not match those criteria may be required to pay higher prices and this results in the customer buying from a different company. If you pay attention, the ads say “customers that switch” not “all people who quote” save money. This is how insurance companies can make the claims of big savings. Because of this risk profiling, you should do a rate comparison at every renewal. It is just not possible to predict with any certainty which company will fit you best based on your risk profile.

Lower rates by qualifying for discounts

Some insurers don’t always advertise the entire discount list very well, so we took the time to find some of the more common as well as some of the hidden credits that you can use to lower your rates.

• Sign Early and Save – Some larger companies provide a discount for signing up early. You could save around 10% when you buy insurance coverage online.
• Home Ownership Discount – Owning your own home or condo can save a few bucks because maintaining a house requires a higher level of personal finance.
• No Charge for an Accident – but some insurance companies will forgive one accident before they charge you more for coverage so long as you haven’t had any claims prior to the accident.
• Federal Government Employee – Employees or retirees of the government could qualify for a slight premium decrease for Cavalier insurance with certain companies.
• Pay Upfront and Save – By paying your entire bill at once instead of monthly or quarterly installments you can avoid monthly service charges.
• Discounts for Good Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates for Cavalier insurance than drivers with accident claims.
• Driver Safety – Passing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
• Buy New and Save – Buying a new car instead of a used car can get you a discount since new model year vehicles are generally safer.

Discounts lower rates, but most credits do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as liability and collision coverage. Just because you may think you could get a free auto insurance policy, that’s just not realistic.

If you would like to see a list of insurance companies that offer some of these discounts, click this link.

Auto insurance is unique, just like you

When it comes to choosing the best auto insurance coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that can aid in determining if your situation might need an agent’s assistance.

• How many claims can I have before being cancelled?
• How high should my uninsured/underinsured coverage be in my state?
• Am I covered if I hit my neighbor’s mailbox?
• Does coverage extend to my business vehicle?
• Can I drive in Mexico and have coverage?
• Do I need more liability coverage?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Learn about insurance coverages for a Chevy Cavalier

Knowing the specifics of a insurance policy helps when choosing the best coverages for your vehicles. Insurance terms can be confusing and coverage can change by endorsement. These are the normal coverages offered by insurance companies.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Chevy Cavalier.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for surgery, pain medications, dental work and ambulance fees. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

Collision coverage covers damage to your Cavalier caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sustaining damage from a pot hole, rolling your car and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Liability auto insurance

This provides protection from injuries or damage you cause to people or other property in an accident. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

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. Your policy might show policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as court costs, pain and suffering, legal defense fees and funeral expenses. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive insurance

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as falling objects, rock chips in glass, hitting a bird and a broken windshield. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

What is YOUR best insurance company?

We covered a lot of techniques to compare 1991 Chevy Cavalier insurance premium rates online. It’s most important to understand that the more times you quote, the better likelihood of getting inexpensive insurance coverage. Drivers may discover the lowest premium rates come from a company that doesn’t do a lot of advertising. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and Geico.

Some insurance providers may not offer online rate quotes and many times these regional insurance providers work with independent agents. Cheap 1991 Chevy Cavalier insurance is attainable both online and from local agencies, so you need to compare both to have the best selection.

Additional insurance coverage information is located at these links:

• Choosing a Car for Your Teen (State Farm)
• Collision Insurance Coverage (Nationwide)
• Distracted Driving (Insurance Information Insitute)
• Get the Right Protection (InsureUonline.org)
• How do I File a Claim? (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)