Save on 2005 Chevrolet Cavalier Insurance Quotes

Want lower insurance rates for your Chevrolet Cavalier? Pretty sure you bought high-priced insurance? You’re preaching to the choir because there are many consumers feeling the pinch from expensive insurance.

Lots of insurers contend for your hard-earned dollar, and because of this it can be hard to compare car insurance companies to get the lowest rate possible.

Consumers should take time to get comparison quotes once or twice a year because insurance prices tend to go up over time. Just because you had the best deal on Cavalier insurance a year ago you will most likely find a better rate today. Ignore everything you know about insurance because you’re about to learn the best way to remove unneeded coverages and save money.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Finding the best rates is not rocket science. But drivers do need to learn the way companies sell insurance online and take advantage of how the system works.

Why your insurance prices might be higher

When buying insurance it’s important to understand some of the factors that help determine your policy premiums. If you have a feel for what determines base rates, this enables you to make decisions that can help you get better insurance rates.

The list below includes some of the most rate-impacting factors that factor into your rates.

• Prices increase with policy add-ons – Policies have extra coverages that you can buy on your Cavalier policy. Insurance for things like replacement cost coverage, towing coverage, and Farm Bureau memberships may not be needed and are just wasting money. These coverages may sound good when talking to your agent, but if you have no use for them remove them and pocket the money.
• Consolidate home and auto and save – Lots of insurers provide lower prices for people who buy several policies from them in the form of a multi-policy discount. Even if you qualify for this discount already, it’s in your best interest to comparison shop to confirm you are receiving the best rates possible.
• Lower rates for married couples – Being married may save some money when shopping for insurance. Having a significant other means you’re more financially stable and it’s proven that being married results in fewer claims.
• With age comes responsibility – Older, more experienced drivers are shown to be more cautious, cost insurance companies less in claims and get fewer tickets.Teenage drivers have a tendency to be less responsible when at the wheel of a vehicle so insurance rates are higher.
• Vehicles with better crash test results cost less to insure – Safe vehicles tend to have lower insurance rates. Safe vehicles reduce occupant injuries and reduced instances of injuries means lower claim amounts and cheaper rates on your policy.

The quickest method to compare rate quotes is to know auto insurance companies participate in a system to give free rates quotes. All consumers are required to do is take a few minutes to give details such as how much education you have, whether or not you need a SR-22, if you’re married, and types of safety features. That rating data is automatically sent to multiple car insurance providers and you get price estimates quickly.

These discounts can lower your auto insurance quotes

Not many people think insurance is cheap, but discounts can save money and there are some available to cut the cost considerably. Certain reductions will be credited at the time you complete a quote, but occassionally some discounts must be requested specifically prior to getting the savings.

• Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it will make them better drivers and lower rates.
• Onboard Data Collection – Policyholders that allow driving data submission to study driving patterns by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts as long as the data is positive.
• Early Payment Discounts – By making one initial payment rather than spreading payments over time you could save 5% or more.
• More Vehicles More Savings – Purchasing coverage when you have multiple vehicles on one policy could earn a price break for each car.
• Discounts for Responsible Drivers – Drivers who don’t get into accidents may receive a discount up to 45% on Cavalier insurance compared to accident prone drivers.

As is typical with insurance, some credits don’t apply to all coverage premiums. Some only apply to the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount will help lower your policy premium.

A list of companies and a summarized list of policyholder discounts are:

• State Farm offers discounts including defensive driving training, accident-free, good driver, anti-theft, safe vehicle, and multiple policy.
• Geico may have discounts that include good student, seat belt use, driver training, membership and employees, daytime running lights, military active duty, and federal employee.
• SAFECO policyholders can earn discounts including accident prevention training, anti-lock brakes, safe driver, bundle discounts, homeowner, multi-car, and teen safe driver.
• Farmers Insurance offers discounts for distant student, teen driver, multi-car, homeowner, and good student.
• AAA has discounts for good driver, multi-policy, education and occupation, multi-car, anti-theft, and good student.
• USAA includes discounts for good student, vehicle storage, annual mileage, family discount, new vehicle, and driver training.

Before purchasing a policy, check with every insurance company how many discounts you can get. Some of the earlier mentioned discounts may not be offered in your area. If you would like to see a list of insurers that offer some of these discounts, click here.

Different people need different insurance coverages

When choosing coverage for your personal vehicles, there is no “best” method to buy coverage. Every situation is different so your insurance needs to address that. For example, these questions might point out whether you may require specific advice.

• Am I better off with higher deductibles on my 2005 Chevy Cavalier?
• Is other people’s property covered if stolen from my vehicle?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Do I need PIP (personal injury protection) coverage in my state?
• Does my personal policy cover me when driving out-of-state?
• Can I rent a car in Mexico?
• Are my tools covered if they get stolen from my vehicle?
• Will I be non-renewed for getting a DUI or other conviction?

If you’re not sure about those questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance companies in your area.

Auto insurance coverage information

Learning about specific coverages of your car insurance policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages available from car insurance companies.

Liability car insurance

This coverage protects you from injuries or damage you cause to people or other property. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as repair bills for other people’s vehicles, attorney fees, pain and suffering, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

Collision insurance covers damage to your Cavalier resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a parking meter, driving through your garage door, sideswiping another vehicle, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like pain medications, EMT expenses, dental work, funeral costs and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your Chevy Cavalier.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a bird, a broken windshield and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Final thoughts

You just read a lot of ways to lower your 2005 Chevy Cavalier insurance prices. The key concept to understand is the more you quote insurance coverage, the higher the chance of saving money. You may be surprised to find that the lowest prices are with the smaller companies. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate, Geico and Progressive.

When you buy insurance coverage online, you should never reduce coverage to reduce premium. There have been many situations where drivers have reduced collision coverage only to regret that their decision to reduce coverage ended up costing them more. Your objective should be to purchase plenty of coverage at the best possible price and still be able to protect your assets.

More information is available at these links:

• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• Vehicle Size and Weight FAQ (iihs.org)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)