1998 Chevrolet Cavalier Insurance Rates

Searching for the cheapest insurance rates for your Chevrolet Cavalier? Do you get exhausted from being strong-armed each month for insurance? You are no different than most other consumers.

Consumers have multiple insurers to insure vehicles with, and though it is a good thing to be able to choose, having more insurers makes it harder to find the best rates for your vehicles.

It’s smart to compare rates once or twice a year since insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best rate for Cavalier insurance a few years ago there may be better deals available now. Block out anything you think you know about insurance because I’m going to teach you the right way to find lower rates on insurance.

Pricing affordable coverage is simple if you know the tricks. Basically, everyone who buys car insurance will most likely be able to lower their premiums. But consumers do need to learn how insurance companies market on the web because it can help you find the best coverage.

Use discounts on insurance coverage

Insurance coverage is not cheap nor is it fun to buy but you may find discounts that could drop your premiums quite a bit. Many discounts should be triggered when you complete an application, but a few need to be specially asked for prior to receiving the credit.

  • Bundled Policy Discount – When you combine your home and auto insurance and insure them with the same company you could save up to 20% and get you cheap insurance.
  • Distant Student – Any of your kids who are attending college and do not take a car to college can be insured at a reduced rate.
  • Theft Deterent – Cars, trucks, and SUVs optioned with advanced anti-theft systems help deter theft and that can save you a little bit as well.
  • Discount for New Cars – Buying a new car model is cheaper because newer models have to meet stringent safety requirements.
  • Data Collection Discounts – Drivers who agree to allow their insurance company to track their driving habits by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate may see discounts as long as the data is positive.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
  • Professional Memberships – Affiliation with certain professional organizations is a good way to get lower rates on insurance coverage.
  • Military Rewards – Having a deployed family member could be rewarded with lower rates.

As a sidenote, some credits don’t apply to all coverage premiums. Most cut specific coverage prices like comp or med pay. Just because it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Some of the insurance companies who might offer these discounts include:

When getting a coverage quote, ask all companies you are considering how you can save money. Depending on the company, some discounts may not be offered everywhere. For a list of providers that have a full spectrum of discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions might help in determining whether you might need an agent’s assistance.

  • Does my insurance cover my expensive audio equipment?
  • Is other people’s property covered if stolen from my vehicle?
  • What is high-risk coverage and where do I buy it?
  • At what point should I drop full coverage?
  • Should I bundle my homeowners policy with my auto?
  • Am I covered by my spouse’s policy after a separation?
  • Is my trailer covered?
  • Do I pay less if my vehicle is kept in my garage?
  • How much underlying liability do I need for an umbrella policy?
  • Does coverage extend to a rental car in a foreign country?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Is there truth in advertising?

Car insurance providers like Geico, State Farm and Progressive continually stream ads on TV and radio. They all convey the message of big savings just by switching to them. How is it possible that every company can say the same thing?

All companies have an ideal profile for the type of driver that makes them money. A good example of a profitable insured might have to be a female over age 40, carries high limits, and has a short commute. Any customer that fits those parameters will get a cheap rate quote and is almost guaranteed to save a lot of money.

Insureds who don’t measure up to these standards will probably have to pay a higher rate and ends up with the customer not purchasing. If you pay close attention to the ads, they say “customers who switch” but not “all drivers who get quotes” save that much. That is how companies can truthfully make claims that they all have the best premium rates.

Because of this risk profiling, it’s extremely important to compare as many free insurance quotes as you can. Because you never know with any certainty which company will provide you with the cheapest auto insurance rates.

Auto insurance coverages

Learning about specific coverages of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average insurance policy.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like sustaining damage from a pot hole, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like prosthetic devices, nursing services and surgery. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, hail damage, damage from flooding, rock chips in glass and a broken windshield. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Cavalier.

Since many drivers only carry the minimum required liability limits, 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. Frequently the UM/UIM limits are set the same as your liablity limits.

Liability car insurance

Liability coverage will cover damage that occurs to other people or property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things like legal defense fees, court costs and structural damage. How much coverage you buy is up to you, but buy as large an amount as possible.

Shop around and save

We just presented some good ideas how you can shop for 1998 Chevy Cavalier insurance online. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with the smaller companies. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and Geico.

Cheap 1998 Chevy Cavalier insurance is possible from both online companies and from local agencies, and you should compare price quotes from both to have the best selection. Some car insurance companies don’t offer the ability to get a quote online and these regional insurance providers provide coverage only through independent agents.

As you restructure your insurance plan, it’s not a good idea to reduce coverage to reduce premium. There have been many cases where consumers will sacrifice liability limits or collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at a price you can afford while still protecting your assets.

More tips and info about car insurance can be found in these articles: