Cheaper 2000 Chevrolet Cavalier Insurance Quotes

Drivers have many options when trying to find the best price on Chevy Cavalier insurance. You can either waste hours driving around to get rate comparisons or utilize the internet to compare rates. There are more efficient ways to shop for auto insurance and you need to know the absolute fastest way to get price quotes on a Chevy and obtain the cheapest rates from both online companies and local agents.

Insurance coverage discounts help lower rates

Insurance coverage is neither fun to buy or cheap, but you may find discounts that you may not even know about. Certain credits will be shown when you quote, but occassionally some discounts must be specially asked for before you will receive the discount. If you check and find you aren’t receiving every discount possible, you are not getting the best rate possible.

  • Anti-lock Brake System – Cars, trucks, and SUVs with ABS and/or traction control are safer to drive and the ABS can save up to 10%.
  • Accident Forgiveness Coverage – but some insurance companies will let one accident slide without getting socked with a rate hike with the catch being you have to be claim-free for a certain period of time.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle up could save 15% on the premium charged for medical payments and/or PIP.
  • Good Driver Discount – Insureds who avoid accidents can pay as much as 50% less for Cavalier insurance compared to accident prone drivers.
  • Good Student Discount – Maintaining excellent grades can save 20 to 25%. Many companies even apply the discount to college students up to age 25.
  • Bundle and Save – If you have multiple policies with the same insurance company you may save 10% to 20% off each policy.
  • Data Collection Discounts – People who choose to allow driving data submission to track driving patterns by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they show good driving skills.

As a sidenote, most credits do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates you can get free auto insurance, you won’t be that lucky.

To see a list of insurance companies that offer discounts, click this link.

Compare auto insurance quotes online

Most larger insurance companies such as Geico, State Farm and Progressive give prices online. Doing online price comparisons is fairly straightforward as you simply enter into the form. After the form is submitted, the company’s rating system gets your driving and credit reports and generates a price.

Online price quotes streamlines rate comparisons, but the time it takes to visit different websites and fill out multiple forms gets old quite quickly. But it’s very important to get many rate quotes in order to get the best price on auto insurance.

A quicker way to compare auto insurance pricing uses one form that gets price quotes from several companies at one time. This type of form saves time, eliminates repetitive work, and makes online price comparison much more enjoyable and efficient. After sending your information, your coverage is rated and you can select any or none of the quotes returned. If you find a better price you can simply submit the application and buy the policy. This process just takes a couple of minutes and you will know how your current rates stack up.

To fill out one form to compare multiple rates now, click here to open in new window and input your coverage information. To compare your current rates, we recommend you copy the insurance coverages exactly as they are listed on your policy. This way, you are getting rate comparison quotes based on similar coverages.

Which is the best insurance coverage?

When it comes to buying the right insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions may help you determine if you may require specific advice.

  • Who is covered by my policy?
  • Is a blown tire covered by insurance?
  • Am I covered if my car is in a flood?
  • Who is covered when they drive my 2000 Chevy Cavalier?
  • Should I put collision coverage on all my vehicles?
  • Does my insurance cover a custom paint job?
  • When do I need to add a new car to my policy?
  • If I drive on a suspended license am I covered?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form. It is quick, free and may give you better protection.

Auto insurance coverages explained

Knowing the specifics of your policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like falling objects, theft and damage from a tornado or hurricane. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like ambulance fees, X-ray expenses, EMT expenses and doctor visits. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2000 Chevy Cavalier.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability auto insurance

Liability coverage will cover damages or injuries you inflict on other people or property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as loss of income, funeral expenses, structural damage, medical expenses and medical services. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Collision coverage

This will pay to fix damage to your Cavalier from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as damaging your car on a curb, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Final thoughts

In this article, we presented quite a bit of information on how to compare 2000 Chevy Cavalier insurance car insurance rates online. The key concept to understand is the more you quote car insurance, the better your chances of lowering your premium rates. You may be surprised to find that the lowest car insurance rates come from a lesser-known regional company.

There are still a few companies who don’t offer rate quotes online and most of the time these small insurance companies only sell through independent insurance agencies. More affordable insurance can be found online and from local insurance agents, so you should compare both to have the best rate selection.

When you buy car insurance online, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where someone dropped physical damage coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage at the best possible price, not the least amount of coverage.

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