1990 Chevrolet Cavalier Insurance Quotes – 5 Tricks for Cheaper Rates

Want the cheapest car insurance rates for your Chevrolet Cavalier? Trying to find the cheapest insurance for your Chevy Cavalier can turn out to be an all-consuming task, but you can learn our car insurance buying tips to make it easier.

There are both good and bad ways to shop for car insurance and you need to know the proper way to price shop coverage for your Chevy and find the lowest price either online or from local insurance agents.

It is always a good idea to take a look at other company’s rates at least once a year due to the fact that insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best rates on Cavalier insurance six months ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because you’re about to learn the fastest way to save money, get proper deductibles and limits, all at the lowest rate.

If you have a policy now or are shopping for new coverage, you can learn to find better prices and still get good coverage. Shopping for the cheapest protection is simple if you know the tricks. Drivers just need to learn the most efficient way to shop online.

How to compare free auto insurance quotes

Cutting your auto insurance rates is pretty simple and can save money. You just have to invest a little time to compare rate quotes to see which company has cheaper insurance coverage quotes. Shoppers can get rates using a couple different methods.

  • Without a doubt, the easiest way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This easy form keeps you from doing separate quote forms for every auto insurance company. A single form will get you rate comparisons from auto insurance companies with the best prices.It’s the quickest way to get rates.
  • A more time consuming way to compare rate quotes is to take the time to go to the website for each individual company to complete their respective quote request forms. For example, let’s assume you need rates from Progressive, Allstate and American Family. You would need to navigate to each company’s site and type in your information over and over, which can be really labor intensive. To view a list of companies in your area, click here.

It’s up to you which method you use, but be certain you are entering the same coverage limits and deductibles with each company. If your comparisons have mixed coverages you can’t possibly get a fair rate comparison.

Drivers can save with these five money-saving discounts

Some companies don’t always advertise every possible discount in a way that’s easy to find, so the list below details a few of the more common and also the lesser-known insurance savings.

  • Paperless Signup – A handful of insurance companies give back up to $50 for completing your application online.
  • Distant Student – Children who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10% off your insurance coverage quote.
  • Accident Free – Insureds with no claims or accidents get the best insurance rates when compared to insureds who have frequent claims or accidents.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may have a lower total premium amount.

It’s important to understand that some credits don’t apply to the entire cost. Most only cut specific coverage prices like collision or personal injury protection. Even though it may seem like you could get a free insurance policy, companies don’t profit that way.

Some of the insurance companies that may have these money-saving discounts include:

If you need lower rates, check with all companies you are considering which discounts can lower your rates. Savings may not be offered in your state. To see a list of insurers who offer free insurance quotes, follow this link.

Do I need special coverages?

When it comes to buying coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if your insurance needs may require specific advice.

  • Do I need added coverage for expensive stereo equipment?
  • Do I really need UM/UIM coverage?
  • Am I getting all the discounts available?
  • What is medical payments coverage?
  • Can I rent a car in Mexico?
  • Is my ex-spouse still covered by my policy?

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 insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Will you really save $448 on insurance coverage?

Consumers can’t get away from ads for cheaper insurance coverage from the likes of Allstate and Progressive. They all tend to make the same promise about saving some big amount after switching your policy.

That’s great but how can every company give you a lower rate? Here is how they do it.

Most companies have strict underwriting profiles for a prospective insured that earns them the most money. For example, a driver they prefer might be over the age of 45, has no tickets, and drives a vehicle with a low ISO rating. A propective insured that fits those parameters receives the best rates and will also pay quite a bit less when switching companies.

Potential insureds who don’t meet this ideal profile may be required to pay higher premium rates which usually ends up with the driver buying from a lower-cost company. The trick companies use is to say “drivers who switch” but not “all drivers who get quotes” can save as much as they claim. This is how insurance companies can make those claims.

Because each company has a different risk profile, you absolutely need to compare rate quotes every year. It’s just too difficult to predict with any certainty which company will have better car insurance rates than you’re paying now.

Insurance coverages 101

Learning about specific coverages of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Chevy Cavalier.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

Auto collision coverage

This coverage covers damage to your Cavalier resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a mailbox, sideswiping another vehicle, crashing into a ditch, driving through your garage door and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like funeral costs, pain medications, prosthetic devices and EMT expenses. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, vandalism, fire damage, damage from flooding and a broken windshield. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability insurance

Liability insurance will cover injuries or damage you cause to a person or their property. Split limit liability has three limits of coverage: 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 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like repair costs for stationary objects, bail bonds, funeral expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

More effort can pay off

Insureds change insurance companies for any number of reasons including poor customer service, high rates after DUI convictions, policy non-renewal or even not issuing a premium refund. No matter why you want to switch, switching insurance coverage companies is pretty simple and you could end up saving a buck or two.

When shopping online for insurance coverage, it’s very important that you do not skimp on coverage in order to save money. Too many times, someone dropped liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to purchase plenty of coverage at an affordable rate, but do not sacrifice coverage to save money.

More affordable insurance coverage is attainable online in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance providers may not offer rates over the internet and these regional insurance providers only sell through independent insurance agents.

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