Save on 1999 Chevrolet Cavalier Insurance Rates

Searching for low-cost insurance for a Chevy Cavalier can normally be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the absolute fastest way to compare rates for a new or used Chevy and obtain the lowest possible price.

It’s important to do price comparisons once or twice a year since insurance prices change frequently. Even if you got the lowest price on Cavalier insurance two years ago a different company probably has better rates today. There are a lot of ways to save on car insurance online but you can learn some excellent ideas to lower your car insurance premiums.

If you have a policy now or need new coverage, you can use these tips to get lower rates and still get good coverage. Pricing the cheapest insurance coverage coverage can be fairly easy. Consumers only need to know the most efficient way to buy insurance coverage on the web.

Where can I get the cheapest auto insurance?

The majority of larger companies like Geico, State Farm and Progressive give pricing online. Getting prices online is very simple as you just type in the coverage amounts you desire on the page. When the form is submitted, their quoting system automatically retrieves your credit score and driving record and gives you a price quote based on many factors.

This streamlines rate comparisons, but the process of having to visit multiple sites and type in your information can get tiresome after awhile. But it’s also necessary to have as many quotes as possible in order to get the best price possible.

Rate comparisons made easy

The quickest way to compare auto insurance pricing makes use of a single form that gets price quotes from several companies at one time. It’s a real time-saver, eliminates repetitive work, and makes online price comparison much more efficient. As soon as the form is sent, it gets priced and you are able to buy any one of the price quotes you receive. If a lower price is quoted, you simply finish the application and buy the policy. The entire process takes less than 15 minutes and may result in a nice savings.

To compare rates using this form now, simply click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you copy deductibles and limits as shown on your current policy. Using the same limits helps guarantee you will have a fair comparison for exact coverage.

How car insurance companies determine Chevy Cavalier insurance premiums

Many things are used in the calculation when you get your auto insurance bill. A few of the factors are predictable like an MVR report, but some are not as apparent such as your marital status or how safe your car is.

The list below includes some of the most rate-impacting factors that factor into rates.

  • Costs impacted by your city – Choosing to live in less populated areas is a good thing when it comes to insurance. People who live in big cities have more auto accidents and much longer commute distances. Less people living in that area translates into fewer accidents and a lower car theft rate.
  • Your career may increase prices – Occupations like lawyersairline pilots and financial analysts are shown to have the highest rates because of stressful work requirements and long work hours. On the flip side, careers such as actors, students and retirees generally pay rates lower than average on Cavalier insurance.
  • Alarm systems save money – Driving a car with advanced anti-theft systems can earn a premium discount. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop car theft.
  • Car insurance liability insurance limits – A critical coverage on your policy, liability insurance will afford coverage in the event that a court rules you are at fault for damages from an accident. Your policy’s liability insurance provides legal defense which can be incredibly expensive. It is affordable coverage compared to insuring for physical damage coverage, so buy as much as you can afford.

Use discounts to get cheaper insurance coverage quotes

Some companies don’t always advertise all possible discounts very clearly, so the following is a list of some of the best known and the harder-to-find discounts that you may qualify for. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle their seat belts can save a little off the medical payments premium.
  • Low Mileage Discounts – Keeping the miles down on your Chevy may enable drivers to earn lower rates due to less chance of an accident.
  • Discount for Good Grades – Being a good student can be rewarded with saving of up to 25%. Most companies allow this discount up to age 25.
  • Air Bag Discount – Cars that have air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Paperwork-free – A few larger online companies will give a small break get insurance coverage on the internet.
  • Driver Safety – Completing a course teaching defensive driver skills may get you a small discount if you qualify.
  • New Car Discount – Buying a new car model is cheaper because new vehicles have to meet stringent safety requirements.
  • Early Signing – A few insurance coverage companies allow discounts for buying a policy before your current coverage expires. You can save around 10% with this discount.

Please keep in mind that most discounts do not apply the the whole policy. Some only apply to individual premiums such as comp or med pay. So when it seems like all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

Some companies that may offer most of the discounts above possibly include:

Before buying, ask every company to apply every possible discount. Discounts may not apply to policies in your area. To see a list of insurance companies with the best discounts, click this link.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage for your vehicles, there is no perfect coverage plan. Each situation is unique.

These are some specific questions may help highlight whether or not you might need professional guidance.

  • Do I need replacement cost coverage?
  • Is my state a no-fault state?
  • Is my 1999 Chevy Cavalier covered for flood damage?
  • Does my policy cover me when driving someone else’s vehicle?
  • What can I do if my company denied a claim?
  • Why do I only qualify for high-risk insurance?
  • Does my insurance cover my expensive audio equipment?
  • When can I cancel my policy?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Insurance coverages and their meanings

Understanding the coverages of insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Liability car insurance – Liability coverage can cover injuries or damage you cause to a person or their property that is your fault. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for claims like emergency aid, pain and suffering and loss of income. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision – Collision insurance pays for damage to your Cavalier from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like backing into a parked car, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for bills such as doctor visits, chiropractic care, X-ray expenses, surgery and ambulance fees. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 1999 Chevy Cavalier.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

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

Comprehensive coverage pays for things such as hitting a bird, fire damage, hail damage, damage from a tornado or hurricane and a broken windshield. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage on a shoestring budget

As you restructure your insurance plan, don’t be tempted to buy less coverage just to save a little money. In many cases, drivers have reduced liability coverage limits only to discover later they didn’t have enough coverage. Your goal is to buy enough coverage at the best cost while not skimping on critical coverages.

People who switch companies do it for a number of reasons such as denial of a claim, delays in responding to claim requests, extreme rates for teen drivers and even poor customer service. It doesn’t matter why you want to switch choosing a new company is actually quite simple.

We just presented some good ideas how you can lower your 1999 Chevy Cavalier insurance prices. The key thing to remember is the more quotes you get, the better your comparison will be. You may even discover the biggest savings come from a small mutual company.

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