1999 Chevrolet Cavalier Car Insurance Quotes

Searching for the cheapest auto insurance rates for your Chevrolet Cavalier? Finding cheap prices on auto insurance is a challenge for drivers new to online price comparisons. There are so many different companies and agents to choose from that it can easily be hard work to find better rates.

Consumers should take time to price shop coverage yearly because auto insurance rates are rarely the same from one policy term to another. Just because you found the best premium rates on Cavalier insurance a year ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because we’re going to demonstrate how to use online quotes to save money, get proper deductibles and limits, all at the lowest rate.

Shopping for the cheapest protection is not that difficult. Just about every vehicle owner who is shopping for insurance will most likely be able to find better rates. Nevertheless, vehicle owners do need to know how the larger insurance companies price online insurance and use this information to your advantage.

These discounts can lower your car insurance quotes

The cost of insuring your cars can be expensive, but you may be missing some discounts that you may not even know about. A few discounts will automatically apply when you quote, but lesser-known reductions have to be specifically requested in order for you to get them. If you do not check that you are getting every discount you deserve, you are throwing money away.

• Active Service Discounts – Being on active deployment in the military could be rewarded with lower premium rates.
• Buy New and Save – Adding a new car to your policy is cheaper since newer vehicles have better safety ratings.
• First Accident Forgiveness – This one is not really a discount per se, but some insurance companies allow you one accident before raising your premiums so long as you are claim-free for a particular time prior to the accident.
• Sign Early and Save – Some larger companies give discounts for buying a new policy early. You may see this discount when you get insurance quotes online.
• Multiple Cars – Insuring primary and secondary vehicles on a single policy could earn a price break for each car.
• Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of more than 20%.

You should keep in mind that many deductions do not apply the the whole policy. Most only cut individual premiums such as liability, collision or medical payments. Even though it may seem like you can get free auto insurance, company stockholders wouldn’t be very happy.

To see a list of insurance companies who offer discounts, click here to view.

Different people need different auto insurance coverages

When choosing adequate coverage, there really is no perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that might point out whether you could use an agent’s help.

• I have good health insurance, so how much medical payments coverage do I need?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Is a blown tire covered by insurance?
• What is UM/UIM insurance?
• Should I buy more coverage than the required minimum liability coverage?
• Is my teen driver covered when they drive my company car?
• Do I pay less if my vehicle is kept in my garage?
• Is rental equipment covered for theft or damage?
• What can I do if my company won’t pay a claim?
• What discounts do I qualify for?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Specifics of your insurance policy

Learning about specific coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for collisions

This coverage will pay to fix damage to your Cavalier resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a mailbox, sideswiping another vehicle, rolling your car, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills such as prosthetic devices, chiropractic care, hospital visits and pain medications. 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 all vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Cavalier.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are similar to your liability insurance amounts.

Liability coverages

Liability insurance protects you from damage or injury you incur to a person or their property. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as loss of income, attorney fees, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hail damage, vandalism, a tree branch falling on your vehicle and hitting a bird. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Don’t be a big spender

We just covered many ways to lower your 1999 Chevy Cavalier insurance rates. The most important thing to understand is the more price quotes you have, the better your chances of lowering your auto insurance rates. Consumers could even find that the best price on car insurance is with some of the lesser-known companies.

Cheaper 1999 Chevy Cavalier insurance is possible both online and also from your neighborhood agents, so get free insurance quotes from both of them to have the best rate selection. Some companies do not provide internet price quotes and usually these smaller providers prefer to sell through independent agencies.

As you go through the steps to switch your coverage, never buy poor coverage just to save money. There have been many cases where someone sacrificed liability coverage limits only to find out they didn’t have enough coverage. The aim is to purchase plenty of coverage at the lowest possible cost while still protecting your assets.

Helpful articles

• Car Insurance: When not to Skimp (BankRate.com)
• Learn About Car Insurance (Geico)
• What Does No-Fault Insurance Cover? (Allstate)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)