1997 Chevrolet Cavalier Insurance Quotes

Searching for the cheapest auto insurance rates for your Chevrolet Cavalier? Locating the cheapest insurance for a Chevy Cavalier can turn out to be a painful process, but you can use a few tricks and make it easy. There is a better way to shop for auto insurance so you’re going to learn the best way to price shop coverage for a new or used Chevy and get the cheapest rates from local insurance agents and online providers.

You should make it a habit to shop coverage around on a regular basis since insurance prices are usually higher with each renewal. Even if you got the lowest rates on Cavalier coverage two years ago the chances are good that you can find a lower premium rate today. Forget all the misinformation about auto insurance because it’s time to teach you the only way to reduce your cost while increasing coverage.

If you have a policy now or are shopping for new coverage, you can learn to shop for the lowest rates and possibly find even better coverage. Pricing cheaper auto insurance is quite easy. Drivers just need to know the most efficient way to compare company rates over the internet.

Get cheaper rates by taking advantage of discounts

Companies that sell car insurance don’t necessarily list every possible discount in an easy-to-find place, so below is a list both well-publicized and the harder-to-find credits that may apply to you. If they aren’t giving you every credit you deserve, it’s possible you qualify for a lower rate.

• Student in College – College-age children who live away from home at college and don’t have a car can receive lower rates.
• Discounts for Federal Employees – Active or former government employment could cut as much as 10% off on Cavalier coverage with certain companies.
• Telematics Data – Insureds who allow driving data collection to monitor their driving habits remotely such as Progressive’s Snapshot may see discounts if they show good driving skills.
• Anti-theft System – Cars, trucks, and SUVs that have factory anti-theft systems help deter theft so companies will give you a small discount.
• Memberships – Affiliation with qualifying clubs or civic groups is a simple method to lower premiums on car insurance.
• Multi-Vehicle Discounts – Having multiple cars on a single policy can reduce the rates for all insured vehicles.
• Paperwork-free – Certain companies give back up to $50 simply for signing digitally online.
• Air Bags and Passive Restraints – Vehicles equipped with air bags can receive discounts of 20% or more.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears you could get a free car insurance policy, company stockholders wouldn’t be very happy.

Large car insurance companies and some of their more popular discounts are outlined below.

• Esurance offers discounts including good student, defensive driver, safety device, multi-car, and online quote.
• The Hartford offers discounts for anti-theft, bundle, air bag, good student, vehicle fuel type, defensive driver, and driver training.
• AAA policyholders can earn discounts including good driver, education and occupation, multi-car, multi-policy, and anti-theft.
• Geico may have discounts that include daytime running lights, seat belt use, air bags, federal employee, anti-theft, and military active duty.
• State Farm may include discounts for Steer Clear safe driver discount, student away at school, Drive Safe & Save, accident-free, safe vehicle, good driver, and driver’s education.

It’s a good idea to ask every prospective company what discounts are available to you. All car insurance discounts may not apply in your state. If you would like to choose from a list of companies with discount rates, follow this link.

How much insurance coverage do I need?

When it comes to buying coverage for your vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions might point out if your insurance needs might need professional guidance.

• When should I not file a claim?
• How do I buy GAP insurance?
• Do I need to file an SR-22 for a DUI in my state?
• Should I sign the liability waiver when renting a car?
• Am I better off with higher deductibles on my 1997 Chevy Cavalier?
• Am I covered if I crash into my own garage door?
• Are rental cars covered under my policy?
• What if I total my 1997 Chevy Cavalier and owe more than it’s worth?
• Do I need higher collision deductibles?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

The coverage is in the details

Understanding the coverages of your policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Liability auto insurance

This coverage will cover damage or injury you incur to other’s property or people that is your fault. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like medical services, loss of income, funeral expenses, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like theft, damage from getting keyed and rock chips in glass. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for immediate expenses for things like doctor visits, nursing services, EMT expenses, rehabilitation expenses and prosthetic devices. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Collision protection

Collision insurance will pay to fix damage to your Cavalier resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sideswiping another vehicle, damaging your car on a curb, colliding with another moving vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

A fool and his money are soon parted

When buying insurance coverage, don’t be tempted to skimp on coverage in order to save money. There are many occasions where someone sacrificed collision coverage only to regret that the small savings ended up costing them much more. Your focus should be to find the BEST coverage at the best possible price.

We just presented a lot of ways to compare 1997 Chevy Cavalier insurance prices online. The key thing to remember is the more times you quote, the better your comparison will be. You may even discover the best price on auto insurance is with an unexpected company.

Consumers switch companies for a number of reasons such as policy non-renewal, high prices, policy cancellation or even being labeled a high risk driver. Regardless of your reason for switching companies, finding a great new company can be pretty painless.

Additional information is available on the following sites:

• Auto Insurance FAQ (Farmers Insurance)
• Should I Buy a New or Used Car? (Allstate)
• Collision Coverage (Liberty Mutual)
• Rental Reimbursement Coverage (Allstate)