View 1996 Chevrolet Cavalier Insurance Rates

Buyers have a choice when searching for low-cost Chevy Cavalier insurance. You can either waste hours contacting agents getting price quotes or use the internet to make rate comparisons. There are more efficient ways to find car insurance online so we’re going to tell you the quickest way to compare rates for a new or used Chevy and find the cheapest rates from both online companies and local agents.

It’s a great practice to compare premium rates periodically since prices change quite often. Even if you think you had the lowest rate on Cavalier coverage two years ago you can probably find a better premium rate now. There is a lot of wrong information about car insurance on the web, but we’re going to give you some great ideas on how to stop overpaying for insurance.

Buying car insurance is quite easy. If you currently have car insurance, you will most likely be able to cut costs considerably using this strategy. Vehicle owners only need an understanding of the best way to find the lowest price over the internet.

How to lower your insurance cost

Many insurance companies such as State Farm, Allstate and Geico give insurance quotes on their websites. Doing online quotes doesn’t take a lot of time because you just enter the coverages you want on the page. Once you submit the form, their quoting system sends out for your driving and credit reports and returns a price quote based on the information you submitted.

Online price quotes makes it a lot easier to compare rates but the time required to go to each company’s website and repetitively complete many quote forms is repetitive and time-consuming. But it’s absolutely necessary to perform this step in order to get the best price on insurance.

A quicker way to find better insurance pricing uses one form that analyzes rates from several different companies. The form is fast, eliminates form submissions, and makes online price comparison much easier to do. Immediately after you send the form, it gets priced and you are able to buy any of the quotes that you receive. If you find a better price you can click and sign and buy the policy. The entire process takes just a few minutes to complete and may result in a nice savings.

To save time and fill out one form to compare multiple rates now, click here and input your coverage information. To compare your current rates, we recommend you complete the form with the insurance coverages identical to your current policy. This guarantees you’re receiving a price comparison for similar insurance coverage.

Take advantage of these discounts

Some providers don’t always publicize all their discounts in an easy-to-find place, so the below list has both the well known and the harder-to-find auto insurance savings.

• Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and that can save you a little bit as well.
• Low Miles Discount – Driving less may enable drivers to earn cheaper prices.
• Bundle and Save – If you combine your auto and homeowners policies and insure them both with the same insurance company they may give you a discount of approximately 10% to 15%.
• ABS Braking Discount – Cars, trucks, and SUVs equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
• Student in College – College-age children living away from home attending college and leave their car at home may be able to be covered for less.

Keep in mind that most discounts do not apply the the whole policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you could get a free auto insurance policy, it doesn’t quite work that way.

Some of the insurance companies that may offer policyholders these discounts include:

• Progressive
• The Hartford
• Mercury Insurance
• Geico
• AAA
• State Farm

If you are trying to find the cheapest insurance coverage quotes, ask each insurance company how many discounts you can get. Some discounts may not apply to policies in your area. To view auto insurance companies that can offer you the previously mentioned discounts, click here.

Special considerations

When it comes to choosing the best auto insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different.

For instance, these questions can aid in determining whether or not you might need professional guidance.

• Do I need an umbrella policy?
• When should I buy a commercial auto policy?
• Do I need added coverage for expensive stereo equipment?
• Why does it cost so much to insure a teen driver?
• When would I need additional glass coverage?
• Is a blown tire covered by insurance?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverages available on your policy

Learning about specific coverages of a insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Liability auto insurance

Liability insurance will cover damage or injury you incur 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.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as funeral expenses, attorney fees, court costs and structural damage. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as theft, hail damage and a broken windshield. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like hospital visits, surgery and doctor visits. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This coverage will pay to fix damage to your Cavalier resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as backing into a parked car, crashing into a building, damaging your car on a curb, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

This provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Chevy Cavalier.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.