2000 Chevrolet Cavalier Car Insurance Cost

Being forced to pay for pricey auto insurance premiums can overdraw your monthly budget and require stricter spending habits. Comparing price quotes is a fast and free way to reduce premiums and put more money in your pocket.

People have so many insurance companies to insure vehicles with, and although it’s a good thing to have a choice, it can be more difficult to compare rates and find the lowest cost auto insurance.

Finding the best rates is easy if you know what you’re doing. If you currently have a car insurance policy, you will be able to lower your premiums substantially using these tips. Although drivers need to have an understanding of the methods companies use to market insurance on the web and apply this information to your search.

Discounts can really help save money

Auto insurance companies don’t list the entire discount list in an easy-to-find place, so we took the time to find a few of the more well known as well as the least known discounts you could be receiving when you buy car insurance online. If you are not receiving all the discounts you deserve, it’s possible you qualify for a lower rate.

• Driver Training Discounts – Taking time to complete a course in safe driver is a good idea and can lower rates depending on where you live.
• Distant Student Discount – Kids living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
• Braking Control Discount – Cars, trucks, and SUVs with ABS and/or traction control are safer to drive and qualify for as much as a 10% discount.
• Early Switch Discount – Some larger companies reward drivers for switching policies prior to your current policy expiration. This discount can save up to 10%.
• Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle their seat belts could cut 10% or more off the personal injury premium cost.
• Save with a New Car – Adding a new car to your policy can save you some money because new vehicles have to meet stringent safety requirements.
• Mature Driver Discount – Older drivers may receive lower premium rates for Cavalier insurance.

While discounts sound great, it’s important to understand that some of the credits will not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

A few companies that may have most of the discounts above include:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

If you need the cheapest car insurance quotes, ask every insurance company which discounts you qualify for. Savings might not apply in your area. To locate insurance companies who offer discounts, follow this link.

The best way to compare car insurance company rates is to know the trick car insurance companies pay for the opportunity to compare their rates. The only thing you need to do is provide details such as deductibles desired, if you have an active license, the ages of drivers, and if a SR-22 is needed. That rating data gets sent immediately to multiple companies and you receive quotes quickly.

If you would like to compare rates now, click here and enter your zip code.

How insurers determine Chevy Cavalier insurance rates

One of the most helpful ways to save on insurance is to to have a grasp of the factors that help determine your insurance rates. If you have a feel for what impacts premium levels, this enables you to make decisions that could help you find cheaper rates. Lots of things are considered when you get a price on insurance. Most are fairly basic such as your driving record, although some other factors are less apparent such as your credit history or your commute time.

• Frequent claims will cost more – If you file a lot of claims you can look forward to higher rates. Insurance companies provide cheaper rates to drivers who are claim-free. Your car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
• Gender and auto insurance premiums – Over time, data shows that men are more aggressive behind the wheel. The data does not necessarily mean that men are worse drivers. Men and women tend to get into accidents at about the same rate, but men get into accidents with more damage. Not only are claims higher, but men receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.
• Use one insurance company and save – Most major companies afford discounts for people that have more than one policy. It’s known as a multi-policy discount. Even if you qualify for this discount already, it’s still a good idea to comparison shop to make sure you are getting the best deal. It’s possible to still find a better deal even if you insure with multiple companies
• Liability insurance is important – Your policy’s liability coverage provides coverage if ever you are responsible for personal injury or accident damage. Your liability coverage provides you with a defense in court to attempt to prove you were not liable. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
• Never let your insurance policy lapse – Driving with no insurance is illegal and as a result your rates will increase for letting your insurance expire. In addition to paying higher premiums, being ticketed for driving with no insurance may earn you a license revocation or jail time. You will then be forced to file a SR-22 with your state motor vehicle department.

Will just any policy work for me?

When it comes to choosing proper insurance coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether you could use an agent’s help.

• Does liability extend to a camper or trailer?
• Should I file a claim if it’s only slightly more than my deductible?
• If my pet gets injured in an accident are they covered?
• Exactly who is provided coverage by my policy?
• What vehicles should carry emergency assistance coverage?
• Should I waive the damage coverage when renting a car?
• When can my company non-renew my policy?
• Should I get collision insurance on every vehicle?
• Is extra glass coverage worth it?
• At what point should I drop full coverage?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Slick advertising tricks that work

Well-known car insurance companies like Allstate and Progressive constantly bombard you with ads on television and other media. All the ads advertise claims that drivers can save some big amount if you move your policy. How does every car insurance company charge less that you’re paying now?

Insurance providers quote the lowest rates for the type of customer that will be a good risk. An example of this type of driver may need to be over the age of 45, has other policies, and drives less than 10,000 miles a year. A propective insured that fits those parameters will probably get cheap rates and most likely will save if they switch.

Insureds who don’t meet these stringent criteria will have to pay a more expensive rate which usually ends up with business going elsewhere. If you listen to the ad wording, they say “people who switch” but not “everyone who gets a quote” save that kind of money. That’s why insurance companies can confidently make those claims. Because every company is different, you really need to compare many company’s prices. It’s impossible to know which company will have the best premium rates.

Auto insurance 101

Learning about specific coverages of your policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on most insurance policies.

Liability coverage – Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as emergency aid, medical services, pain and suffering and loss of income. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Comprehensive protection – This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hitting a deer, hail damage and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage – This gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for expenses like hospital visits, rehabilitation expenses and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision – This covers damage to your Cavalier from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a ditch, crashing into a building, damaging your car on a curb, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

In any little way, save everyday

In this article, we covered a lot of techniques to compare 2000 Chevy Cavalier insurance premium rates online. The most important thing to understand is the more price quotes you have, the better likelihood of getting inexpensive car insurance. You may be surprised to find that the lowest premium rates are with a smaller regional carrier. Regional companies can often insure niche markets at a lower cost than their larger competitors like Geico and State Farm.

When you buy car insurance online, do not buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice liability coverage limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at the best possible price but still have enough coverage for asset protection.

To read more, feel free to visit the following helpful articles:

• Liability Insurance Coverage (Nationwide)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)
• Teen Driving Statistics (iihs.org)
• Rental Car Insurance Tips (Insurance Information Insitute)