1998 Chevrolet Cavalier Car Insurance Quotes

Overpriced insurance coverage can deplete your savings account and put the squeeze on your family’s finances. Companies like Allstate, Liberty Mutual and State Farm continually bombard you with TV and radio ads and it can be hard to sift through the bull and effectively compare rates to find the best deal.

If you have a current insurance policy or are just looking to switch companies, you can use these tips to find the best rates and still get good coverage. Buying car insurance is not rocket science. Drivers only need an understanding of the most efficient way to shop their coverage around on the web.

Lower-cost car insurance rates with discounts

Companies that sell car insurance do not advertise every discount very clearly, so the next list breaks down some of the more common and the more hidden ways to save on car insurance.

• Claim Free – Insureds with no claims or accidents pay less as compared to policyholders that have many claims.
• Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 25 to 30%.
• Smart Student Discounts – A discount for being a good student can save 20 to 25%. Most companies allow this discount up until you turn 25.
• Discounts for Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Cavalier coverage but check with your company.
• Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to use a seat belt can save up to 15% off the personal injury premium cost.
• Low Mileage Discounts – Driving less could qualify for substantially lower rates.
• Online Discount – A handful of companies provide a small discount shop insurance on your computer.
• Responsible Driver Discount – Insureds who avoid accidents may save up to 50% more on Cavalier coverage as compared to drivers with claims.
• Military Discounts – Having an actively deployed family member could trigger a small discount.
• ABS Braking Discount – Cars equipped with ABS or steering control have fewer accidents and will save you 10% or more.

You can save money using discounts, but most discounts do not apply to all coverage premiums. A few only apply to specific coverage prices like medical payments or collision. So when it seems like you could get a free car insurance policy, you aren’t that lucky.

A list of car insurance companies and some of their more popular discounts are detailed below.

• Progressive may have discounts that include online quote discount, good student, multi-vehicle, multi-policy, continuous coverage, online signing, and homeowner.
• AAA discounts include education and occupation, good driver, multi-policy, AAA membership discount, pay-in-full, and multi-car.
• Farmers Insurance offers discounts including distant student, switch companies, teen driver, early shopping, electronic funds transfer, good student, and bundle discounts.
• Geico may offer discounts for multi-vehicle, anti-lock brakes, good student, defensive driver, membership and employees, daytime running lights, and federal employee.
• Esurance offers premium reductions for Pac-12 alumni, good driver, claim free, good student, multi-car, anti-lock brakes, and safety device.
• SAFECO includes discounts for homeowner, anti-theft, safe driver, teen safety rewards, and multi-car.
• State Farm has discounts for defensive driving training, anti-theft, good driver, Steer Clear safe driver discount, Drive Safe & Save, and multiple policy.

Check with each company or agent which discounts you qualify for. Some of the discounts discussed earlier may not apply to policyholders in your area. If you would like to see a list of insurance companies who offer discounts, click this link.

Lower insurance rates with these tips

Multiple criteria are used in the calculation when premium rates are determined. Some are obvious like a motor vehicle report, but some are more transparent like where you live or how financially stable you are.A large part of saving on car insurance is knowing the rating factors that help determine the rates you pay for car insurance. When consumers understand what determines base rates, this allows you to make educated decisions that will entitle you to lower premium levels.

The items below are some of the most rate-impacting factors companies use to determine premiums.

• Safer cars cost less to insure – Cars with high safety ratings tend to have better insurance rates. The safest vehicles have better occupant injury protection and reduced instances of injuries translates into savings for insurance companies and lower rates for you.
• Alarm systems lower rates – Owning a car with an alarm system can help lower your rates. Anti-theft features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping vehicle theft.
• Tickets inflate prices – Being a careful driver has a big impact on rates. Having just one citation can bump up the cost forty percent or more. Attentive drivers pay less for auto insurance compared to drivers with tickets. Drivers who have gotten license-revoking citations such as DUI or reckless driving may find that they have to to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
• Your credit history is important – Having a good credit history is a big factor in calculating your premium rate. Therefore, if your credit rating is low, you could be paying less to insure your 1998 Chevrolet Cavalier by repairing your credit. Insureds with very high credit ratings tend to file fewer claims than drivers with worse credit.
• City dwellers may pay more – Choosing to live in a rural area can save you money when trying to find low car insurance rates. Urban drivers have to deal with more road rage incidents and much longer commute distances. Less people living in that area means a lower chance of having an accident.
• Male premiums may be higher – Over the last 30 years, statistics show that females take fewer risks when driving. However, don’t assume that women are BETTER drivers than men. Females and males cause fender benders at about the same rate, but the males have accidents that have higher claims. In addition to higher claims, males also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 are the most expensive to insure so they pay the highest premiums.
• Never let your coverage expire – Allowing your coverage to lapse is a sure-fire way to increase your rates. Not only will you pay higher rates, the inability to provide proof of insurance can result in a steep fine or even jail time. You could then be forced to submit proof of financial responsibility or a SR-22 with your state DMV.

Tailor your insurance coverage to you

When choosing proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions may help you determine whether or not you may require specific advice.

• Is my teenager covered with friends in the car?
• Does my policy cover me when driving someone else’s vehicle?
• What is roadside assistance coverage?
• Do I need an umbrella policy?
• How can I get high-risk coverage after a DUI?
• Am I covered if I hit a deer?
• What is covered by UM/UIM coverage?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage information

Having a good grasp of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the normal coverages available from insurance companies.

Insurance for medical payments

Med pay and PIP coverage provide coverage for bills for hospital visits, doctor visits, prosthetic devices, dental work and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Collision protection

Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a building, sustaining damage from a pot hole, crashing into a ditch and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Liability coverages

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

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as loss of income, pain and suffering, structural damage and emergency aid. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for 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 damage from getting keyed, fire damage, falling objects and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. 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, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Never pay more for less

Cheaper 1998 Chevy Cavalier insurance can be purchased on the web in addition to many insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance companies may not have the ability to get quotes online and usually these smaller companies provide coverage only through independent insurance agencies.

While you’re price shopping online, make sure you don’t reduce coverage to reduce premium. There are too many instances where someone sacrificed comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible for the lowest cost, but do not sacrifice coverage to save money.

We just showed you quite a bit of information on how to shop for 1998 Chevy Cavalier insurance online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding low cost insurance. Drivers may discover the lowest priced insurance comes from some of the lesser-known companies. They often have lower prices on specific markets than their larger competitors like State Farm or Progressive.

For more information, feel free to visit these articles:

• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Medical Payments Coverage (Liberty Mutual)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)