How Much Does 1992 Chevrolet Cavalier Car Insurance Cost?

Searching for cheaper car insurance rates for your Chevrolet Cavalier? There isn’t a single person who enjoys paying for car insurance, especially when they are aware that the cost is too high. Online insurance companies like Geico and Progressive constantly bombard you with catchy ads and consumers find it hard to ignore the propoganda and find the best price available.

You should make it a habit to do price comparisons at least once a year because car insurance rates tend to go up over time. Just because you found the best premium rates for Cavalier insurance six months ago other companies may now be cheaper. There is a lot of bad information regarding car insurance online but by reading this article, you’re going to learn the easiest ways to put money back in your pocket.

If you have insurance now or need a new policy, you can use this information to get lower rates while maximizing coverage. Buying car insurance is not rocket science. Drivers only need to know the most effective way to buy insurance coverage online.

Find hidden discounts to get affordable auto insurance rates

Companies do not advertise all their discounts in an easy-to-find place, so the list below contains some of the best known in addition to some of the lesser obvious ways to save on auto insurance.

  • Organization Discounts – Joining qualifying employment or professional organizations could qualify you for a break on your next auto insurance statement.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and earn discounts up to 10% off your car insurance quote.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can receive discounts of 25 to 30%.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Chevy could be rewarded with slightly better rates than normal.
  • Early Payment Discounts – If you can afford to pay the entire bill rather than paying monthly you could save 5% or more.
  • Multi-car Discount – Buying coverage for more than one vehicle with one company may reduce the rate for each vehicle.
  • Safety Course Discount – Taking a defensive driver course could possibly earn you a 5% discount and also improve your driving technique.
  • Responsible Driver Discount – Insureds who avoid accidents can pay as much as 50% less for Cavalier insurance than drivers with accident claims.
  • Driver Education Discount – Teen drivers should complete a driver education course if it’s offered in school.
  • Telematics Devices – Drivers who elect to allow driving data submission to scrutinize where and when they drive by using a small device installed in their vehicle such as State Farm’s In-Drive could see a rate decrease if they are good drivers.

Consumers should know that most discounts do not apply to all coverage premiums. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

A few companies that may offer quotes with most of the discounts above include:

Before you buy a policy, ask every insurance company to apply every possible discount. Discounts might not be offered in your area. To see a list of companies that offer discounts, click here.

The quickest method to compare policy rates is to know the fact auto insurance companies actually pay money for the chance to compare rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details like whether you drive to work or school, what your job is, any included safety features, and if you require a SR-22. The data is instantly submitted to multiple top-rated companies and you will get price comparisons instantly.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage, there really is no “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions might help in determining if you might need professional guidance.

  • I have health insurance so do I need medical payments coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Can I rate high risk drivers on liability-only vehicles?
  • What discounts do I qualify for?
  • Am I covered if hit by an uninsured driver?
  • Where can I find high-risk insurance?

If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and can provide invaluable advice.

Detailed coverages of your auto insurance policy

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types available from auto insurance companies.

Collision – Collision insurance will pay to fix damage to your Cavalier from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like scraping a guard rail, damaging your car on a curb, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Comprehensive protection – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, hail damage and falling objects. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense coverage – Med pay and PIP coverage pay for expenses like funeral costs, prosthetic devices, EMT expenses and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability – This provides protection from damage or injury you incur to people or other property that is your fault. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like attorney fees, legal defense fees, emergency aid and structural damage. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Uninsured or underinsured coverage – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Chevy Cavalier.

Since many drivers only purchase the least amount of liability that is required, 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.

A fool and his money are soon parted

When buying insurance coverage, don’t be tempted to reduce needed coverages to save money. There are too many instances where an accident victim reduced physical damage coverage and found out when filing a claim they didn’t purchase enough coverage. The goal is to buy the best coverage you can find at the best possible price, but don’t skip important coverages to save money.

We just covered some good ideas how to shop for 1992 Chevy Cavalier insurance online. The most important thing to understand is the more times you quote, the better chance you’ll have of finding cheap car insurance. You may even find the biggest savings come from a small local company. Regional companies can often insure niche markets at a lower cost compared to the large companies like State Farm, Geico and Nationwide.

Much more information about auto insurance can be found below: