2002 Chevrolet Cavalier Insurance Quotes – 10 Tips for Best Rates

Drivers have a choice when trying to find affordable Chevy Cavalier insurance. You can either spend your time contacting agents to compare prices or use the internet to get rate quotes.

There is a better way to compare insurance rates and you need to know the quickest way to compare rates for a Chevy and find the lowest possible price from local insurance agents and online providers.

Car insurance quotes comparison

There are several ways to compare car insurance quotes, but one way is less time-consuming than others. You could spend your day talking about coverages with insurance companies in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

All the larger companies participate in an industry program that enables customers to enter their coverage request one time, and each participating company returns a rated price based on the submitted data. This system prevents you from having to do quotation requests to each individual car insurance company.

To get comparison pricing now click here to open in new window.

The only drawback to pricing coverage this way is that you can’t choose the companies to receive prices from. So if you want to choose specific providers to compare, we have a listing of companies who write car insurance in your area. View list of insurance companies.

How you compare quotes is your choice, just ensure you are comparing nearly identical coverage limits and deductibles on every quote. If you have higher or lower deductibles it will be very difficult to truly determine the lowest rate.

Save money with these ten insurance discounts

Some insurance providers don’t always advertise their entire list of discounts very clearly, so we took the time to find some of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.

• Active Service Discounts – Having a deployed family member could be rewarded with lower insurance rates.
• Theft Deterent – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and will save you 10% or more.
• Buy New and Save – Insuring a new car may earn a small discount compared to insuring an older model.
• Driver Safety – Taking part in a defensive driver class could cut 5% off your bill if you qualify.
• Passive Restraints – Vehicles with factory air bags or motorized seat belts may earn rate discounts of 20% or more.
• Resident Student – Children who live away from home at college and do not have access to a covered vehicle could get you a discount.
• Life Insurance Discount – Not all insurance carriers offer life insurance, but some may give you a break if you buy life insurance from them.
• Sign Early and Save – Select insurance companies give a discount for switching companies prior to the expiration date on your current policy. This discount can save up to 10%.
• Accident Free – Insureds with no claims or accidents can earn big discounts as opposed to policyholders that have many claims.
• Payment Method – If you pay your bill all at once rather than spreading payments over time you can avoid the installment charge.

You should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most cut specific coverage prices like medical payments or collision. So even though it sounds like all the discounts add up to a free policy, insurance companies aren’t that generous.

Auto insurance companies that may include these money-saving discounts include:

• Esurance
• The Hartford
• AAA
• Geico
• State Farm

Double check with each company or agent how many discounts you can get. Some discounts might not be offered everywhere. To find insurance companies that have a full spectrum of discounts, click here.

Insurance can get complicated

When buying coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions might point out whether your personal situation would benefit from an agent’s advice.

• Are there companies who specialize in insuring high-risk drivers?
• How does medical payments coverage work?
• Can I get a multi-policy discount?
• What is no-fault insurance?
• Does coverage extend to Mexico or Canada?
• Am I covered if my car is in a flood?
• Will filing a claim cost me more?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, complete this form. It is quick, free and can help protect your family.

Insurance policy coverages for a Chevy Cavalier

Having a good grasp of your insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time these coverages do not exceed the liability coverage limits.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like chiropractic care, rehabilitation expenses and pain medications. They are often utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage 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 can pay for claims like crashing into a ditch, driving through your garage door, scraping a guard rail, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, hail damage, damage from a tornado or hurricane and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance

This coverage will cover damage or injury you incur to people or other property. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things like legal defense fees, bail bonds, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

One last thing

Drivers switch companies for many reasons like being labeled a high risk driver, questionable increases in premium, lack of trust in their agent and extreme rates for teen drivers. Regardless of your reason, choosing a new company can be pretty painless.

When you buy insurance online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.

Cheaper 2002 Chevy Cavalier insurance is definitely available from both online companies and from local agencies, so you need to quote insurance with both in order to have the best chance of saving money. Some companies may not offer online price quotes and these regional carriers provide coverage only through local independent agencies.

To learn more, take a look at these articles:

• Choosing a Car for Your Teen (State Farm)
• Should I Buy a New or Used Car? (Allstate)
• Collision Insurance Coverage (Nationwide)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)