View 1994 Chevrolet Cavalier Insurance Rates

Searching for lower insurance coverage rates for your Chevrolet Cavalier? If you’re trying to find cheaper insurance online, do you get confused by the number of insurance coverage sources in your area? Many other drivers are too. There are so many options that it can easily turn into a difficult mission to find the best insurance coverage rates.

If you currently have a car insurance policy, you will most likely be able to save some money using these methods. Buying the best insurance coverage is not that difficult. But vehicle owners do need to know how companies price online insurance and take advantage of how the system works.

How to find affordable auto insurance

Comparing auto insurance rates can take time and effort if you don’t utilize the easiest way. You can waste hours talking to local insurance agents in your area, or you can stay home and use online quotes to achieve your goal.

The majority of car insurance companies participate in a marketplace where insurance shoppers send in one quote, and each participating company returns a competitive quote based on the submitted data. This prevents consumers from doing quote requests to each individual auto insurance company.

To compare rates using this form now click here to start a free quote.

One minor caviat to pricing coverage this way is buyers cannot specifically choose the providers to get pricing from. So if you prefer to choose individual companies to compare rates, we have a listing of companies who write auto insurance in your area. Click here for list of insurance companies.

Whichever way you use, make sure you use apples-to-apples deductibles and coverage limits for every quote you compare. If each company quotes mixed coverages it’s not possible to determine the lowest rate for your Chevy Cavalier. Quoting even small variations in limits may result in large price differences. Keep in mind that making a lot of price comparisons provides better odds of finding a lower rate. Some regional insurers cannot provide online quotes, so you should also compare quotes from them, too.

Cut your auto insurance rates with discounts

Insuring your fleet can be pricey, but you might be missing out on some discounts that could drop your premiums quite a bit. Most are applied at the time you complete a quote, but some need to be asked about in order for you to get them.

• Discount for Low Mileage – Driving fewer miles could earn substantially lower rates.
• Life Insurance Discount – Not all insurance carriers offer life insurance, but some may give you a break if you buy some life insurance in addition to your auto policy.
• Senior Citizens – Seniors are able to get better auto insurance rates for Cavalier insurance.
• Multi-policy Discount – If you can bundle your home and auto insurance with the same company you may earn up to 20% and get you the cheapest insurance.
• Home Ownership Discount – Just being a homeowner can help you save on auto insurance because of the fact that having a home is proof that your finances are in order.
• Good Students Pay Less – Getting good grades may save as much as 25% on a insurance quote. This discount can apply until age 25.
• Pay Early and Save – By paying your policy upfront instead of making monthly payments you could save up to 5%.

You can save money using discounts, but most discount credits are not given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts will definitely lower the cost of your policy.

If you would like to view companies that offer some of these discounts, follow this link.

You are unique and your insurance should be too

When buying proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions could help you determine whether your personal situation would benefit from professional advice.

• Do I need more liability coverage?
• Are rental cars covered under my policy?
• Am I covered by my spouse’s policy after a separation?
• What exactly is covered by my policy?
• Does insurance cover damages from a DUI accident?
• Does having multiple vehicles earn me a discount?
• Do I need added coverage for expensive stereo equipment?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Insurance policy specifics

Understanding the coverages of a insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, vandalism, rock chips in glass and damage from flooding. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Chevy Cavalier.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Collision insurance

Collision insurance will pay to fix damage to your Cavalier from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as scraping a guard rail, driving through your garage door, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for expenses for hospital visits, doctor visits, dental work and funeral costs. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Coverage for liability

This will cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things like bail bonds, emergency aid, funeral expenses, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Take this to the bank

We’ve covered some good ideas how to shop for 1994 Chevy Cavalier insurance online. The most important thing to understand is the more rate quotes you have, the better likelihood of getting the cheapest insurance. You may even find the lowest priced insurance comes from a lesser-known regional company.

Some insurance companies may not offer online price quotes and many times these small insurance companies provide coverage only through independent agents. Lower-priced insurance can be sourced on the web and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from.

When searching for the cheapest insurance quotes, never sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed physical damage coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The goal is to get the best coverage possible at the best possible price.

For more information, link through to the following helpful articles:

• Cellphones, Texting and Driving (iihs.org)
• Driving in Bad Weather (Insurance Information Insitute)
• Senior Drivers (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)