1997 Chevrolet Cavalier Car Insurance Rates

Looking for cheaper insurance coverage rates for your Chevrolet Cavalier? Finding cheaper insurance for a Chevy Cavalier could be a painful process, but you can learn a few tricks to find lower rates.

There are both good and bad ways to buy insurance coverage and we’ll show you the best way to quote coverages for a new or used Chevy and obtain the lowest price either online or from local insurance agents.

It’s a good idea to compare rates as often as possible due to the fact that insurance prices change regularly. Even if you got the lowest price on Cavalier coverage on your last policy you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because you’re going to get a crash course in the things you must know in order to reduce your cost while increasing coverage.

Locating affordable protection can be fairly easy. If you are insured now or need a new policy, you can learn to cut your premiums while maintaining coverages. Drivers just need to understand the best way to compare company rates over the internet.

Finding insurance

Getting cheaper 1997 Chevy Cavalier insurance pricing is pretty simple and can save money. The only requirement is to take a few minutes comparing rate quotes online from several insurance companies. Rate comparisons can be done by using one of the methods below.

  1. The single most time-saving way to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This type of form eliminates the need for repetitive form entry for each company. In just a few minutes this one form gets you price quotes from multiple low-cost companies. This is perfect if you don’t have a lot of time.
  2. A more difficult way to shop for insurance online consists of visiting the website for each individual company to request a price quote. For instance, let’s assume you are doing a rate comparison from USAA, State Farm and Progressive. In order to get each rate, you would have to take the time to go to each site and punch in your information repeatedly, and that explains why we recommend the first method. For a list of links to insurance companies in your area, click here.

It’s your choice how you get your quotes, but try to use exactly the same coverage limits and deductibles with each company. If the quotes have higher or lower deductibles it will be nearly impossible to truly determine the lowest rate.

Car insurance ads are enticing

Drivers can’t avoid all the ads for cheaper car insurance from the likes of Allstate, Geico and Progressive. All the companies try to convey promises that people will save if you just switch your policy.

How do they all charge you less for auto insurance? It’s all in the numbers.

Companies quote the lowest rates for the type of driver that earns them the highest profit. An example of this type of driver could possibly be over the age of 40, has had continuous coverage, and has a high credit rating. A customer getting a price quote who fits that profile will probably get the lowest auto insurance rates and therefore will save when switching.

People who do not fit this stringent profile must pay a higher rate and this results in business not being written. If you pay attention, the ads say “people that switch” not “everyone who quotes” will save that much if they switch. This is how insurance companies can confidently state the savings.

Different companies use different criteria so drivers must quote coverage with many companies. It’s just not possible to know which car insurance company will be your best fit.

Why you might pay higher rates

The best way to find cheaper insurance is to take a look at the rating factors that aid in calculating your insurance rates. When you know what positively or negatively determines base rates, this empowers consumers to make smart changes that can earn you big savings. Many things are part of the calculation when you get your auto insurance bill. Some factors are common sense such as your driving record, but some are not as apparent like your vehicle usage or how safe your car is.

The itemized list below are some of the items insurance companies consider when setting your rates.

  • Good credit saves on insurance – An insured’s credit rating can be an important factor in determining your rates. Insureds with very good credit scores tend to be more responsible and file fewer claims than drivers with lower credit ratings. Therefore, if your credit rating is low, you may save money insuring your 1997 Chevrolet Cavalier by improving your credit score.
  • Getting married can lower premiums – Getting married helps lower the price on your policy. Marriage demonstrates that you tend to be more stable financially and it’s proven that married drivers get in fewer accidents.
  • Too many policy claims will drive prices up – If you’re an insured who likes to file claims you can look forward to either policy cancellation or increased premiums. Insurance companies award lower rates to people who do not file claims often. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Don’t cancel your insurance policy without a new one in place – Driving your car without having proper coverage is not a good idea and any future policy may cost more because you let your coverage cancel without a new policy in place. Not only will rates go up, being ticketed for driving with no insurance may earn you fines or a revoked license. You could then be forced to prove you have insurance by filing a SR-22 with your state DMV.
  • Higher rates for demanding occupations – Careers like doctorspolice officers and medical professionals are shown to have the highest rates attributed to high stress levels and lots of time spent away from family. Conversely, careers like scientists, engineers and retirees receive lower rates on Cavalier coverage.

Affordable car insurance quotes with discounts

Auto insurance companies don’t always publicize every policy discount very clearly, so the following is a list of some of the more common and also the more inconspicuous credits available to bring down your rates.

  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you can avoid the installment charge.
  • Low Mileage Discounts – Low mileage vehicles can earn discounted car insurancerates on garaged vehicles.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in high school.
  • Senior Discount – Drivers that qualify as senior citizens are able to get a small discount on rates on Cavalier coverage.
  • Good Student – Performing well in school may save as much as 25% on a insurance coverage quote. Most companies allow this discount well after school through age 25.
  • Driver Safety – Participating in a course teaching safe driver skills could earn you a small percentage discount and also improve your driving technique.

One last thing about discounts, many deductions do not apply to the entire cost. Some only apply to individual premiums such as comprehensive or collision. So when the math indicates all the discounts add up to a free policy, you’re out of luck.

Popular car insurance companies and a summarized list of policyholder discounts include:

  • Geico may include discounts for federal employee, membership and employees, emergency military deployment, anti-theft, five-year accident-free, and daytime running lights.
  • Travelers offers discounts including payment discounts, good student, multi-policy, driver training, and multi-car.
  • Nationwide policyholders can earn discounts including accident-free, business or organization, multi-policy, family plan, good student, and defensive driving.
  • Farmers Insurance has savings for electronic funds transfer, multi-car, bundle discounts, teen driver, distant student, early shopping, and mature driver.
  • Esurance discounts include homeowner, good student, emergency road assistance, safety device, Switch & Save, and online quote.
  • State Farm has discounts for multiple policy, defensive driving training, multiple autos, passive restraint, and student away at school.
  • Progressive includes discounts for online signing, homeowner, good student, continuous coverage, multi-vehicle, and multi-policy.
  • Mercury Insurance may have discounts that include ease of repair, accident-free, age of vehicle, good driver, low natural disaster claims, location of vehicle, and good student.

It’s a good idea to ask all the companies how many discounts you can get. A few discounts may not be offered in every state. To choose car insurance companies that offer multiple discounts, click here to view.

Tailor your auto insurance coverage to you

When buying proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions may help you determine if your situation could use an agent’s help.

  • Is my ex-spouse still covered by my policy?
  • Is my teen driver covered when they drive my company car?
  • Am I covered if I hit a deer?
  • Where can I get insurance after a DUI in my state?
  • Do I need an umbrella policy?
  • Is my trailer covered?
  • What is no-fault insurance?
  • Do I get a pro-rated refund if I cancel my policy early?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Coverages available on your policy

Having a good grasp of a car insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from flooding, theft, falling objects and rock chips in glass. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for bills like doctor visits, surgery and dental work. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1997 Chevy Cavalier.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Collision protection

This coverage pays for damage to your Cavalier caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as driving through your garage door, sustaining damage from a pot hole, colliding with a tree and rolling your car. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Liability coverages

Liability insurance protects you from damage that occurs to other’s property or people by causing an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as pain and suffering, attorney fees, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Shop around and save

As you prepare to switch companies, don’t be tempted to buy poor coverage just to save money. There have been many cases where an insured cut collision coverage only to regret that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage at the best price but still have enough coverage for asset protection.

We just showed you a lot of tips how to lower your 1997 Chevy Cavalier insurance rates. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers may even find the lowest rates are with a small mutual company.

Consumers switch companies for any number of reasons including delays in paying claims, extreme rates for teen drivers, high rates after DUI convictions or questionable increases in premium. It doesn’t matter why you want to switch switching companies is pretty easy and you might even save some money in the process.

Much more information about auto insurance can be found at the links below