2004 Chevrolet Cavalier Insurance Cost – 8 Ways to Save

Want lower auto insurance rates for your Chevrolet Cavalier? Did you make the mistake of buying an underperforming, overpriced auto insurance policy? You’re preaching to the choir because there are many drivers thinking the same thing. Many insurance companies compete for your business, so it can be very hard to choose a insurance company to find the lowest cost out there.

If you have a current car insurance policy or need new coverage, you can use these tips to find better prices and still get good coverage. Buying car insurance is not that difficult. Vehicle owners only need to know the proper methods to buy car insurance over the internet.

Get cheaper rates with these eight discounts

Car insurance companies don’t necessarily list every possible discount in an easy-to-find place, so the list below details both the well known in addition to some of the lesser obvious ways to save on insurance coverage. If you are not receiving all the discounts you qualify for, you are not getting the best rate possible.

• Professional Memberships – Being a member of a civic or occupational organization could trigger savings on your next renewal.
• Sign Early and Save – A few companies allow discounts for switching policies before your current coverage expires. The savings is around 10%.
• E-sign Discounts
• Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and that can save you a little bit as well.
• Safety Restraint Discount – Requiring all passengers to buckle up can save 10% or more off the medical payments premium.
• Multi-car Discount – Purchasing coverage when you have primary and secondary vehicles on one policy can reduce the rates for all insured vehicles.
• Onboard Data Collection – Drivers who elect to allow their insurance company to look at where and when they drive by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks as long as the data is positive.
• ABS Brakes – Cars and trucks with ABS and/or traction control have fewer accidents and will save you 10% or more.

We need to note that some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as collision or personal injury protection. Just because you may think you can get free auto insurance, insurance companies wouldn’t stay in business.

A few popular companies and some of the premium reductions they offer can be read below.

• Geico offers premium reductions for military active duty, anti-lock brakes, emergency military deployment, multi-policy, daytime running lights, good student, and federal employee.
• MetLife may include discounts for claim-free, good driver, accident-free, multi-policy, and defensive driver.
• Progressive includes discounts for multi-policy, continuous coverage, multi-vehicle, online signing, online quote discount, homeowner, and good student.
• Travelers has savings for multi-car, save driver, payment discounts, hybrid/electric vehicle, and IntelliDrive.
• SAFECO may offer discounts for accident prevention training, bundle discounts, anti-lock brakes, teen safe driver, safe driver, and teen safety rewards.
• AAA offers discounts for education and occupation, good driver, good student, multi-policy, and anti-theft.

If you are trying to find the cheapest car insurance quotes, ask each company or agent how many discounts you can get. Some of the discounts discussed earlier may not be available in your state. To choose providers that offer multiple discounts, click here to view.

Insurance can be complex

When it comes to choosing proper insurance coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that For instance, these questions may help highlight whether your personal situation might need professional guidance.

• Why am I required to get a high-risk car insurance policy?
• Should I rate my 2004 Chevy Cavalier as pleasure use or commute?
• Is borrowed equipment or tools covered if stolen or damaged?
• What is the difference between comprehensive and collision coverage?
• Why is insurance for a teen driver so high?
• Does having multiple vehicles earn me a discount?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, free and you can get the answers you need.

Detailed coverages of your insurance policy

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average insurance policy.

Comprehensive protection – This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, a tree branch falling on your vehicle, rock chips in glass, damage from getting keyed and theft. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage – Collision insurance pays for damage to your Cavalier resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sideswiping another vehicle, backing into a parked car, scraping a guard rail, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage – Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Liability car insurance – This will cover damage or injury you incur to people or other property in an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, 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 without having the split limit caps.

Liability can pay for things like pain and suffering, loss of income and court costs. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Medical expense coverage – Med pay and PIP coverage reimburse you for expenses for things like hospital visits, ambulance fees, dental work and EMT expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

In conclusion

As you prepare to switch companies, don’t be tempted to skimp on coverage in order to save money. In many instances, someone dropped liability limits or collision coverage and discovered at claim time that the savings was not a smart move. The aim is to buy enough coverage for the lowest price while still protecting your assets.

You just read some good ideas how you can save on 2004 Chevy Cavalier insurance. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may be surprised to find that the lowest premium rates are with a smaller regional carrier. These smaller insurers may only write in your state and offer lower prices compared to the large companies like State Farm and Allstate.

Some companies do not offer rates over the internet and these regional carriers only sell coverage through independent agencies. Budget-friendly insurance coverage is definitely available on the web in addition to local insurance agencies, and you need to comparison shop both to get a complete price analysis.

More information can be read at the links below

• Choosing a Car for Your Teen (State Farm)
• How to Avoid Common Accidents (State Farm)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Airbag FAQ (iihs.org)
• Speed and Speed Limit FAQ (iihs.org)