Compare 1993 Chevrolet Cavalier Insurance Cost

Think you have an expensive insurance policy? Don’t feel bad because there are many people just like you.

Vehicle owners have many insurers to pick from, and although it’s a good thing to have a choice, lots of choices makes it harder to compare company pricing.

Buying car insurance is not rocket science. In a nutshell, every vehicle owner who buys car insurance will more than likely be able to find lower rates. Nevertheless, consumers must learn how the larger insurance companies price insurance differently and take advantage of how the system works.

The easiest way to compare rates takes advantage of the fact most insurance companies participate in online systems to provide you with free rate quotes. All you need to do is spend a couple of minutes providing details including distance driven, how much education you have, whether you drive to work or school, and if you’re married. Your rating data is instantly sent to many of the top insurers and you get price estimates with very little delay.

More discounts mean lower-cost premiums

Insurance can cost an arm and a leg, but you may qualify for discounts to reduce the price significantly. Many of these discounts will be applied automatically at the time of purchase, but lesser-known reductions have to be specifically requested before you will receive the discount.

• Defensive Driving Course – Taking time to complete a defensive driving course could possibly earn you a 5% discount and easily pay for the cost of the class.
• Accident Forgiveness Coverage – Not really a discount, but a handful of insurance companies will forgive one accident without the usual rate increase as long as you don’t have any claims for a particular time prior to the accident.
• Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Cavalier coverage but check with your company.
• Student in College – College-age children living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
• Passenger Safety Discount – Factory air bags and/or automatic seat belt systems could see savings of more than 20%.

While discounts sound great, it’s important to understand that most discounts do not apply to the overall cost of the policy. Most only reduce specific coverage prices like medical payments or collision. Just because it seems like you could get a free car insurance policy, it’s just not the way it works.

Some companies that may offer many of the previously listed discounts include:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

When comparing rates, check with every prospective company to give you their best rates. Some credits may not apply to policies everywhere. To locate car insurance companies who offer car insurance discounts, click here.

Get more affordable insurance rates by understanding these factors

Many things are taken into consideration when quoting car insurance. Some of the criteria are obvious such as your driving record, but others are not as apparent like where you live and annual miles driven.

• Rates can drop if you have more than one policy – Most major insurers will award lower prices to clients who have multiple policies with them, otherwise known as a multi-policy discount. Discounts can add up to ten percent or more. Even if you already get this discount, consumers should still compare other insurance prices to verify if the discount is saving money.
• Liability limits are a factor – Your auto insurance policy’s liability coverage will afford coverage when you are ruled to be at fault for damages caused by your negligence. It provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
• City traffic equals higher premiums – Having an address in small towns and rural areas can be a good thing when insuring your vehicles. Residents of big cities have more auto accidents and more severe claims. Fewer drivers and short commutes means reduced accidents.
• No auto insurance claims equals cheaper prices – Auto insurance companies generally give the lowest premiums to drivers who only file infrequent claims. If you are the type of insured that files lots of claims you can expect higher premiums or even policy non-renewal. Your car insurance is designed for more catestrophic claims.
• Cars with good safety ratings means cheaper insurance – Vehicles that have high safety ratings cost less to insure. The safest vehicles have better occupant injury protection and reduced instances of injuries translates directly to fewer claims and lower rates for you.
• Teenagers are high risk – Older, more experienced drivers are proven to be safer behind the wheel, file fewer claims , and are generally more financially stable.Teenage drivers have been known to be less responsible behind the wheel and because of this, their auto insurance rates are much higher.

It’s not one size fits all

When it comes to choosing proper insurance coverage, there is no one size fits all plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that could help you determine if you could use an agent’s help.

• If my pet gets injured in an accident are they covered?
• Am I covered when driving on a suspended license?
• Can my babysitter drive my car?
• Does coverage extend to my business vehicle?
• Am I better off with higher deductibles on my 1993 Chevy Cavalier?
• How can I force my company to pay a claim?
• Do I benefit by insuring my home with the same company?
• Which companies will insure high-risk drivers?
• Is my business laptop covered if it gets stolen from my vehicle?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Tricks in auto insurance advertising

Respected companies like Progressive, Geico, Allstate and State Farm endlessly run ads on TV and radio. They all say the same thing about savings just by switching to their company. How can each company offer drivers better rates? It’s all in the numbers.

Many companies require specific criteria for the type of driver that will add to their bottom line. For instance, a desirable insured should be a mature driver, has few claims, and drives a lower-performance vehicle. A customer that matches those criteria is entitled to the best price and will most likely save quite a bit of money when switching.

Consumers who fall short of the “perfect” profile may receive a higher rate and this results in the customer buying from a different company. The ads state “customers who switch” not “everyone that quotes” save that much when switching. This is how insurance companies can confidently make claims like that. Because every company is different, you need to compare as many free car insurance quotes as you can. It’s just too difficult to predict which auto insurance company will fit your personal profile best.

Car insurance 101

Understanding the coverages of a insurance policy can be of help when determining the right coverages for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages found on most insurance policies.

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a deer, damage from getting keyed and hitting a bird. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for liability – This coverage will cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things such as repair costs for stationary objects, court costs, legal defense fees, pain and suffering and structural damage. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Cavalier.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Collision – Collision coverage will pay to fix damage to your Cavalier resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sustaining damage from a pot hole, rolling your car, hitting a parking meter, driving through your garage door and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like hospital visits, funeral costs, prosthetic devices and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

A fool and his money are soon parted

As you quote car insurance, make sure you don’t reduce coverage to reduce premium. In many instances, an accident victim reduced full coverage only to find out that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

Some companies may not have online quoting and most of the time these regional insurance providers work with local independent agents. Lower-priced 1993 Chevy Cavalier insurance is definitely available both online and from local agencies, so you should be comparing quotes from both in order to have the best price selection to choose from.

Much more information about car insurance is located below:

• Side Impact Crash Tests (iihs.org)
• Older Driver Statistics (Insurance Information Insitute)
• Cellphones, Texting and Driving (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Insitute)