1994 Chevrolet Cavalier Insurance Cost

There isn’t a single person who likes having to buy insurance, especially knowing they could get a better deal. People have so many car insurance companies to purchase coverage from, and though it is a good thing to have a selection, it can be more difficult to find the best rates.

Low cost insurance coverage rate quotes online

There are a variety of methods you can shop for insurance coverage but some are easier and takes less work. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you can stay home and use the internet to get prices fast.

Most major companies participate in an industry program that allows shoppers to enter their coverage request one time, and at least one company can provide price quotes based on that data. This eliminates the need for quote requests to each individual insurance coverage company.

To use this form to compare rates click to open in new window.

The only drawback to doing it this way is you cannot specify the companies to get quotes from. If you would rather choose specific providers to compare, we have a listing of low cost insurance coverage companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just be sure to compare equivalent coverages for every quote you compare. If each company quotes different coverage information you can’t possibly determine the lowest rate for your Chevy Cavalier.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is not a one size fits all plan. Each situation is unique so your insurance should reflect that These are some specific questions can aid in determining whether your personal situation would benefit from professional advice.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Why do I need rental car insurance?
  • Does coverage extend to my business vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my teenager covered with friends in the car?
  • What is covered by UM/UIM coverage?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Insurance coverages 101

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages found on most insurance policies.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like chiropractic care, ambulance fees, prosthetic devices, pain medications and funeral costs. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Chevy Cavalier.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like rock chips in glass, damage from a tornado or hurricane, a tree branch falling on your vehicle and hitting a bird. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability insurance – Liability coverage can cover damage that occurs to a person or their property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for 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 commonly see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like legal defense fees, repair bills for other people’s vehicles, pain and suffering and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision – Collision insurance covers damage to your Cavalier caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like sustaining damage from a pot hole, rolling your car, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.