Cheaper 1993 Chevrolet Cavalier Car Insurance Rates

Want cheaper insurance rates for your Chevrolet Cavalier? Vehicle owners who are new to the process of shopping for insurance coverage online are likely to find locating inexpensive auto insurance is very challenging.

Take policy discounts and save

Buying auto insurance is not cheap, but you might already qualify for some discounts that many consumers don’t even know exist. A few discounts will be applied at the time of purchase, but occassionally some discounts must be asked about prior to receiving the credit.

  • Accident Free – Drivers who stay claim-free pay less as compared to accident-prone drivers.
  • Multiple Cars – Buying coverage for several vehicles on one policy qualifies for this discount.
  • Early Switch Discount – Some larger companies provide a discount for renewing your policy prior to the expiration date on your current policy. It’s a savings of about 10%.
  • Clubs and Organizations – Being a member of a qualifying organization may earn a discount on your policy.
  • Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% on medical payment and PIP coverage.
  • Responsible Driver Discounts – Drivers who avoid accidents can save as much as half off their rates for Cavalier coverage than less cautious drivers.
  • Senior Citizens – Drivers over the age of 55 could receive a small decrease in premiums for Cavalier coverage.
  • Braking Control Discount – Cars and trucks equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Bundled Policy Discount – If you have multiple policies with the same insurance company you could get a discount of over 10 percent off each policy depending on the company.
  • Home Ownership Discount – Owning a house can earn you a little savings since home ownership demonstrates responsibility.

One thing to note about discounts is that some of the credits will not apply the the whole policy. Some only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way. Any amount of discount will definitely reduce the amount you have to pay.

For a list of insurers that offer discounts, click here to view.

Informed drivers can slash their insurance rates

Lots of factors are used in the calculation when premium rates are determined. A few of the factors are predictable such as your driving history, although others are not as apparent such as your credit history or how financially stable you are.When buying auto insurance it’s important to understand some of the elements that help calculate auto insurance rates. If you have a feel for what influences your rates, this allows you to make educated decisions that could result in better auto insurance rates.

The items below are some of the things auto insurance companies consider when setting prices.

  • Are you male or female? – Over the last 30 years, statistics show women are more cautious behind the wheel. This data doesn’t prove that men are worse drivers. They both are in at-fault accidents at about the same rate, but men tend to have higher claims. Not only are claims higher, but men have more aggressive citations like DWI (DUI) or reckless driving. Youthful male drivers cause the most accidents and therefore are the most expensive to insure.
  • Auto insurance policy lapses increase auto insurance rates – Driving your car without having proper coverage is a big no-no and companies may charge more for letting your insurance lapse for non-payment. Not only will you pay more, failure to provide proof of insurance might get you a license revocation or jail time. Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Annual mileage and car insurance premiums – Driving a lot of miles annually the more you’ll pay to insure it. A lot of companies charge rates based upon how you use the vehicle. Vehicles not used for work or commuting can get a lower rate as compared to vehicles used primarily for driving to work. An incorrectly rated Cavalier can cost quite a bit. Verify your auto insurance coverage reflects the correct usage, because it can save money.
  • Better premiums on safer cars – Safer cars tend to have lower insurance rates. Highly rated vehicles have better occupant injury protection and better occupant protection translates into savings for insurance companies and thus lower rates.
  • Cautious drivers pay less – Having a clean driving record has a big impact on rates. Having a single moving violation can boost insurance rates by as much as twenty percent. Drivers with clean records get better rates than bad drivers. Drivers with multiple violations such as reckless driving or DUI are required to prove financial responsibility with their state in order to legally drive.
  • Companies want multiple policies – Most larger insurers will award lower prices to people that buy multiple policies. It’s known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. If you currently are using one company, you may still want to shop around to confirm you are receiving the best rates possible.
  • Rates are affected by your address – Choosing to live in smaller towns and rural areas of the country has definite advantages when it comes to auto insurance. Fewer drivers and short commutes means a lower chance of having an accident and a lower car theft rate. People who live in big cities tend to have more traffic problems and longer commute times. More time commuting means higher likelihood of an accident.

Which policy gives me the best coverage?

When it comes to choosing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions might point out if your insurance needs might need an agent’s assistance.

  • Will filing a claim cost me more?
  • Why is insurance for a teen driver so high?
  • At what point should I drop full coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I need replacement cost coverage?
  • Am I better off with higher deductibles on my 1993 Chevy Cavalier?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Car insurance 101

Understanding the coverages of insurance can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses for prosthetic devices, EMT expenses, hospital visits and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Collision insurance

Collision insurance will pay to fix damage to your Cavalier resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like rolling your car, crashing into a building and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive coverages

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, fire damage, theft and a broken windshield. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Cavalier.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Liability coverages

This protects you from damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers things like court costs, attorney fees and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Spend less. Save more.

People who switch companies do it for a variety of reasons including unfair underwriting practices, being labeled a high risk driver, high prices and policy cancellation. It doesn’t matter what your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

Throughout this article, we presented a lot of techniques to lower your 1993 Chevy Cavalier insurance premium rates. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premium rates are with a lesser-known regional company.

Some insurance companies may not provide online rate quotes and most of the time these regional insurance providers sell through independent agents. Cheaper insurance can be sourced on the web and also from your neighborhood agents, and you should compare rates from both to have the best chance of lowering rates.

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