2003 Chevrolet Cavalier Insurance Quotes – 7 Tips for Cheaper Rates

Want cheaper insurance coverage rates? Drivers have options when trying to find the best price on Chevy Cavalier insurance. You can either spend your time calling around trying to get quotes or leverage the internet to make rate comparisons. There are more efficient ways to find insurance coverage online and you need to know the proper way to quote coverages for a new or used Chevy and get the lowest possible price from both online companies and local agents.

Smart consumers take time to price shop coverage once or twice a year because insurance prices are constantly changing. Even if you got the best price for Cavalier coverage last year you may be paying too much now. Forget all the misinformation about insurance coverage because you’re going to learn the tricks you need to know to remove unneeded coverages and save money.

Affordable car insurance quotes with discounts

Buying car insurance is not cheap, but you may qualify for discounts that could help you make your next renewal payment. Some of these disounts will be visible at the time of quoting, but once in a while a discount must be manually applied in order for you to get them.

• Government Employee Discount – Simply working for the federal government could qualify for a slight premium decrease for Cavalier coverage with a few car insurance companies.
• Save with More Vehicles Insured – Drivers who insure multiple vehicles with the same car insurance company qualifies for this discount.
• Active Military Service – Being deployed with a military unit could qualify you for better premium rates.
• Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up before driving could cut 10% or more on medical payment and PIP coverage.
• Include Life Insurance and Save – If the company offers life insurance, you could get a lower rate if you buy some life insurance too.
• Own a Home – Being a homeowner can save a few bucks because maintaining a house means you have a higher level of financial diligence.
• Discount for New Cars – Buying insurance coverage on a new vehicle can be considerably cheaper since newer models have better safety ratings.

One thing to note about discounts is that many deductions do not apply to the overall cost of the policy. Some only apply to specific coverage prices like comp or med pay. Just because it seems like you can get free auto insurance, nobody gets a free ride.

A few popular companies and some of the premium reductions they offer include:

• State Farm discounts include multiple policy, accident-free, multiple autos, safe vehicle, and passive restraint.
• Geico may offer discounts for driver training, daytime running lights, membership and employees, federal employee, air bags, and emergency military deployment.
• SAFECO may include discounts for anti-theft, teen safety rewards, safe driver, multi-car, and teen safe driver.
• Farmers Insurance includes discounts for pay in full, early shopping, mature driver, switch companies, and youthful driver.
• AAA offers premium reductions for multi-car, pay-in-full, education and occupation, good driver, and multi-policy.
• USAA has discounts for multi-policy, vehicle storage, multi-vehicle, family discount, and military installation.

Before buying, ask each company what discounts are available to you. Some of the discounts discussed earlier might not be offered in every state.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different.

These are some specific questions may help you determine whether you might need professional guidance.

• Does my insurance cover damage caused when ticketed for reckless driving?
• How do I buy GAP insurance?
• Does my insurance cover a custom paint job?
• When do I need to add a new car to my policy?
• How much liability insurance is required?
• Am I covered if I hit my neighbor’s mailbox?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Beware of misleading insurance ads

Drivers can’t avoid all the ads that claim the lowest rates from companies such as Allstate, Geico and Progressive. They all try to convey promises that people will save if you move your coverage.

But how can every company sell you cheaper insurance coverage? This is how they do it.

Different companies quote their cheapest rates for the type of insured that earns them the most money. An example of a preferred risk might be over the age of 45, has had continuous coverage, and does not commute to work. Anybody who fits that profile will most likely get cheap rates and will save money with a new company.

Potential insureds who fall outside the “perfect” profile will be quoted higher prices which leads to the customer not buying. The trick is to say “people who switch” not “everybody who quotes” save money. That’s why insurance companies can state the savings. Because of this risk profiling, drivers should compare as many free auto insurance quotes as you can. It is impossible to guess with any certainty which company will have the best car insurance rates.

Information about specific coverages

Learning about specific coverages of your car insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like sideswiping another vehicle, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Auto liability insurance

Liability insurance provides protection from injuries or damage you cause to other people or property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like funeral expenses, structural damage and pain and suffering. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like nursing services, ambulance fees and hospital visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your 2003 Chevy Cavalier.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive auto coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from a tornado or hurricane, a broken windshield, falling objects, hitting a bird and hail damage. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Smart consumers save more

You just learned a lot of techniques to lower your 2003 Chevy Cavalier insurance car insurance rates. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding affordable auto insurance. You may even discover the lowest car insurance rates come from a lesser-known regional company.

Cheap 2003 Chevy Cavalier insurance can be bought online and with local insurance agents, and you need to price shop both to have the best selection. Some insurance companies may not have rate quotes online and most of the time these smaller providers sell through independent agents.

People leave their current company for any number of reasons including delays in responding to claim requests, policy non-renewal, unfair underwriting practices or even policy cancellation. It doesn’t matter what your reason, finding the right insurance provider can be less work than you think.

Helpful articles

• Winter Driving (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)
• Your Car has been Stolen: Now What? (Allstate)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)