1991 Chevrolet Cavalier Car Insurance Rates – 5 Ways to Save

Drivers have lots of choices when trying to find the lowest priced Chevy Cavalier insurance. They can either spend hours contacting agents getting price quotes or save time using the internet to compare rates.

There are both good and bad ways to shop for car insurance and you need to know the quickest way to get price quotes on a Chevy and locate the lowest price either online or from local insurance agents.

This information will help educate you on how to effectively get price quotes and some money-saving tips. If you have car insurance now, you will be able to lower your premiums substantially using this strategy. Consumers only need an understanding of the most effective way to buy auto insurance online.

Five discounts for cheap insurance coverage rates

Buying insurance coverage is not cheap, but you might be missing out on some discounts that could drop your premiums quite a bit. Some trigger automatically when you complete an application, but lesser-known reductions have to be asked for prior to getting the savings.

  • Federal Government Employee – Federal government employees may reduce rates when you quote auto insurance on Cavalier insurance depending on your insurance coverage provider.
  • Driver Education Discount – Require your teen driver to take driver’s ed class as it will make them better drivers and lower rates.
  • Smart Student Discounts – Excelling in school can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Accident Forgiveness Coverage – This one isn’t a discount, but a handful of insurance companies will turn a blind eye to one accident before your rates go up with the catch being you have to be claim-free prior to being involved in the accident.
  • Save over 55 – Older drivers can possibly qualify for reduced rates on Cavalier insurance.

One thing to note about discounts is that most discounts do not apply to all coverage premiums. Some only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, companies wouldn’t make money that way. Any qualifying discounts will help reduce your insurance coverage premiums.

Some of the insurance companies that may include some of the above discounts include:

When getting free auto insurance quotes, it’s a good idea to every prospective company which discounts they offer. Some credits might not be offered in your state.

Tailor your insurance coverage coverage to you

When choosing adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

These are some specific questions could help you determine if you may require specific advice.

  • Do I need PIP coverage since I have good health insurance?
  • Do all my vehicles need collision coverage?
  • How much liability do I need to cover my assets?
  • What is the rate difference between pleasure use and commuting?
  • What if I total my 1991 Chevy Cavalier and owe more than it’s worth?
  • What is an SR-22 filing?
  • When can I cancel my policy?
  • How can I force my company to pay a claim?
  • Are all vehicle passengers covered by medical payments coverage?

If it’s difficult to answer those questions then you might want to talk to an agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance policy coverages for a 1991 Chevy Cavalier

Understanding the coverages of your auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.

Collision coverage – Collision coverage will pay to fix damage to your Cavalier 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 can pay for things such as rolling your car, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability coverages – This coverage can cover injuries or damage you cause to a person or their property in an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things such as repair bills for other people’s vehicles, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Coverage for medical payments – Med pay and PIP coverage reimburse you for bills for prosthetic devices, surgery, nursing services and hospital visits. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Comprehensive coverages – This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as falling objects, damage from getting keyed, damage from a tornado or hurricane and theft. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Make a quick buck

You just learned many ways to get a better price on 1991 Chevy Cavalier insurance. It’s most important to understand that the more companies you get premium rates for, the higher your chance of finding low cost auto insurance. Consumers may even find the biggest savings come from some of the smallest insurance companies.

Consumers leave their current company for a number of reasons such as an unsatisfactory settlement offer, poor customer service, delays in paying claims and even questionable increases in premium. Regardless of your reason, switching companies is easier than you think.

Lower-priced auto insurance can be sourced from both online companies and also from your neighborhood agents, so you need to shop auto insurance with both to have the best chance of lowering rates. A few companies do not provide online quoting and many times these small, regional companies only sell through independent agents.

Additional information