Compare 1996 Chevrolet Cavalier Car Insurance Rates

Using the web to shop for insurance quotes online can be difficult since most people haven’t used online price quotes. Don’t be bewildered because comparing rates is actually very simple.

It’s smart to compare premium rates quite often since insurance prices change frequently. Just because you had the best rates for Cavalier coverage a couple years back other companies may now be cheaper. Forget anything you know (or think you know) about insurance coverage because it’s time to teach you the proper way to save on insurance coverage.

Car insurance policy discounts

The price of auto insurance can be rather high, but you may qualify for discounts that may help make it more affordable. Certain discounts will be triggered automatically at quote time, but lesser-known reductions have to be requested specifically prior to getting the savings.

  • New Car Discount – Insuring a new car may earn a small discount since newer models are generally safer.
  • Driving Data Discount – People who choose to allow their insurance company to spy on driving habits by installing a telematics device such as State Farm’s In-Drive might get better premium rates if they exhibit good driving behavior.
  • Driver’s Education for Students – Have your child take driver’s ed class as it can save substantially.
  • Multiple Policy Discount – If you can bundle your auto and homeowners insurance and insure them with the same company they may give you a discount of up to 20% and get you affordable insurance.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts may get savings of 20 to 30 percent.
  • Payment Method – By paying your entire bill at once rather than spreading payments over time you may reduce your total bill.
  • Seat Belt Discounts – Forcing all vehicle occupants to wear their seat belts could cut 10% or more off the PIP or medical payment premium.
  • Military Discounts – Being on active deployment in the military may qualify for rate reductions.

One last thing about discounts, many deductions do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like you could get a free car insurance policy, you’re out of luck.

Large car insurance companies and their possible discounts are:

  • AAA may offer discounts for multi-policy, pay-in-full, anti-theft, multi-car, AAA membership discount, good driver, and good student.
  • Progressive offers premium reductions for continuous coverage, good student, homeowner, multi-vehicle, online quote discount, online signing, and multi-policy.
  • State Farm may include discounts for accident-free, anti-theft, safe vehicle, good student, Drive Safe & Save, and Steer Clear safe driver discount.
  • Esurance has discounts for anti-theft, Pac-12 alumni, multi-policy, Switch & Save, safety device, anti-lock brakes, and paid-in-full.
  • Nationwide policyholders can earn discounts including Farm Bureau membership, business or organization, multi-policy, defensive driving, and accident-free.

When comparing rates, check with every insurance company which credits you are entitled to. Some discounts listed above might not apply in your state. To locate companies that offer multiple discounts, click this link.

Shop insurance coverage online

All the larger insurance coverage companies allow consumers to get insurance quotes from their websites. Getting online rates is quite simple because it’s just a matter of typing in into a form. When the form is submitted, the system orders information on your driving record and credit history and returns a price.

Online price estimates makes it a lot easier to compare rates but having to visit several different sites and enter the same data into a form is monotonous and tiresome. But it’s absolutely necessary to get many rate quotes if you are searching for better insurance coverage pricing.

The easiest way to find cheaper rates uses one form to obtain quotes from several companies at one time. It’s a real time-saver, helps eliminate reptitive entry, and makes price shopping online a lot less work. After sending your information, it gets priced with multiple companies and you can pick any one of the price quotes you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. It takes just a few minutes to complete and may result in a nice savings.

To find out if lower rates are available, click here to open in a new tab and complete the simple form. If you currently have coverage, we recommend you input the insurance coverages identical to your current policy. This makes sure you will have rate quotes for similar coverage.

Chevy Cavalier insurance costs can be more affordable

Part of the insurance buying process is learning the factors that help calculate the price you pay for insurance. When consumers understand what determines base rates, this helps enable you to make changes that could result in much lower annual insurance costs. Many things are considered when you get a price on insurance. Some are pretty understandable like an MVR report, but some are not as apparent such as your marital status and annual miles driven.

The following are some of the things used by your company to calculate your rate level.

  • Lower rates come with age – Young drivers have a tendency to be inattentive with other occupants in the car so they pay higher insurance rates. Having to add a inexperienced driver to your policy will cause a huge premium hike. More experienced drivers are more responsible, file fewer claims and receive fewer citations.
  • Vehicles with better crash test results save money – Vehicles with high crash test scores tend to be cheaper to insure. Vehicles engineered for safety reduce the chance of injuries and reduced instances of injuries means less claims paid and more competitive rates for policyholders.
  • High credit history translates to low costs – Having a bad credit history is a large factor in determining your rates. If your credit rating can be improved, you could save money insuring your 1996 Chevrolet Cavalier by taking the time to improve your credit score. People with very good credit scores tend to be less risk to insure than drivers with worse credit.
  • Prevent policy lapses – Allowing your insurance policy to lapse will be a sure-fire way to drive up your policy premiums. Not only will you pay more, not being able to provide proof of insurance might get you a revoked license or a big fine. You may have to file a SR-22 with your state DMV.
  • Urban residents pay more – Being located in less populated areas is a good thing when it comes to insurance. People in densly populated areas have congested traffic and higher rates of accident claims. Less people living in that area corresponds to lower accident rates and a lower car theft rate.
  • Traffic violations increase rates – Being a careful driver has a huge affect on how much you pay. Even a single speeding ticket can boost insurance rates forty percent or more. Drivers with clean records receive lower rates as compared to those with violations. Drivers unfortunate enough to have flagrant violations such as reckless driving or DUI may face state-mandated requirements to maintain a SR-22 with their state’s department of motor vehicles in order to drive a vehicle legally.
  • Your car’s features help determine rates – Choosing a vehicle that has a built-in theft deterrent system can earn a premium discount. Theft prevention devices like OnStar, LoJack tracking, and tamper alarms all aid in stopping auto theft and help lower rates.

How do I know if I need professional advice?

When buying coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is unique.

For example, these questions could help you determine whether your personal situation might need professional guidance.

  • If my pet gets injured in an accident are they covered?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is my nanny covered when driving my vehicle?
  • Does my 1996 Chevy Cavalier qualify for pleasure use?
  • Do I pay less for low miles?
  • How can I force my company to pay a claim?
  • What exactly is covered by my policy?
  • Is upholstery damage covered by car insurance?
  • At what point should I drop full coverage?

If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Car insurance 101

Having a good grasp of a car insurance policy helps when choosing appropriate coverage for your vehicles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Liability

Liability coverage provides protection from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like repair costs for stationary objects, pain and suffering and medical services. How much coverage you buy is up to you, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

This gives you protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like prosthetic devices, dental work, surgery and rehabilitation expenses. They can be used in conjunction with a health insurance program or if you do not have health coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Comprehensive coverage

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, rock chips in glass, hail damage and damage from getting keyed. The most your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for collisions

Collision insurance will pay to fix damage to your Cavalier resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a parking meter, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Take this to the bank

We just showed you a lot of techniques to shop for 1996 Chevy Cavalier insurance online. The key concept to understand is the more companies you get prices for, the better likelihood of getting affordable insurance. You may be surprised to find that the best price on car insurance is with a company that doesn’t do a lot of advertising.

People who switch companies do it for a variety of reasons including questionable increases in premium, being labeled a high risk driver, denial of a claim or even high rates after DUI convictions. No matter why you want to switch, finding a new car insurance company is less work than it seems.

More affordable car insurance is possible from both online companies and from local agencies, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies do not provide online price quotes and usually these small insurance companies prefer to sell through independent agencies.

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