Cheaper 2001 Chevrolet Cavalier Car Insurance Quotes

Searching for better insurance coverage rates for your Chevrolet Cavalier? Getting the lowest price insurance coverage over the internet may be somewhat difficult for drivers who are beginners to quoting and buying insurance on the internet. With such a big selection of agents and insurance companies available, how are drivers expected to effectively compare each option to find the lowest price available?

Save money by taking advantage of discounts

Car insurance is not cheap, but you might already qualify for some discounts that you may not even be aware of. Some discounts apply automatically at the time of purchase, but some need to be specially asked for prior to getting the savings.

  • Student Discounts – Being a good student may save you up to 25%. The good student discount can last up to age 25.
  • Auto/Home Discount – If you have multiple policies with one insurance company you may earn at least 10% off all policies.
  • Defensive Driver Discounts – Completing a course that instructs on driving safety could save 5% or more and make you a better driver.
  • Homeowners Savings – Owning your own home or condo may earn you a small savings because owning a home shows financial diligence.
  • Driving Data Discount – Drivers that enable driving data submission to spy on driving habits remotely like Allstate’s Drivewise may see discounts if their driving habits are good.
  • Air Bags and Passive Restraints – Factory air bags could see savings of 25 to 30%.
  • Professional Organizations – Being a member of specific professional or occupational memberships or organizations could qualify you for a break when shopping for insurance.
  • Sign Online – Certain larger companies provide a small discount for signing up on their website.
  • Include Life Insurance and Save – Larger insurance companies have a discount if you purchase a life policy as well.

Discounts lower rates, but most credits do not apply the the whole policy. Some only apply to specific coverage prices like medical payments or collision. So when the math indicates you could get a free insurance policy, it’s just not the way it works. But any discount should help lower your overall bill.

A list of companies and a selection of discounts can be read below.

  • American Family offers discounts for mySafetyValet, defensive driver, bundled insurance, good student, Steer into Savings, early bird, and good driver.
  • State Farm may offer discounts for anti-theft, multiple policy, defensive driving training, safe vehicle, accident-free, Drive Safe & Save, and driver’s education.
  • 21st Century offers discounts including anti-lock brakes, defensive driver, early bird, student driver, theft prevention, air bags, and teen driver.
  • Travelers has savings for IntelliDrive, payment discounts, good student, hybrid/electric vehicle, new car, early quote, and multi-car.
  • Geico offers premium reductions for driver training, seat belt use, air bags, defensive driver, good student, and emergency military deployment.

It’s a good idea to ask each company which discounts can lower your rates. Depending on the company, some discounts might not be offered in your area.

How to buy car insurance online

There are several ways to compare quotes from many available car insurance companies in your state. The easiest way by far to find competitive 2001 Chevy Cavalier insurance rates involves getting comparison quotes online. This is very easy and can be done in a couple of different ways.

  1. If you are pressed for time, the simplest way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing separate forms for each company you want a rate for. One form will return price quotes from several companies. This is by far the quickest method.
  2. A more difficult way to find better pricing is to take the time to go to each individual company website and fill out a new quote form. For sake of this example, let’s assume you want to see prices from Nationwide, State Farm and Allstate. In order to compare rates, you need to go to every website and type in your information over and over, which is why most consumers use the first method. For a list of companies in your area, click here.
  3. Even if you have time, the least recommended method to comparison shop rate quotes is making phone calls or going to insurance agencies in your area. Doing it all online makes this unnecessary unless you prefer the advice and guidance that you can only get from talking to an agent. It is possible with some companies get prices online and get advice from an agent in your area.

However you get your quotes, be certain you are entering nearly identical quote data on every quote. If you have higher or lower deductibles it will be impossible to make an equal comparison. Even a minor difference in insurance coverages could throw off the whole comparison. It’s important to know that making a lot of price comparisons increases the change that you will find more affordable insurance. Some smaller insurers to not give price estimates online, so it’s important to compare price quotes from those companies as well.

Get Chevy Cavalier insurance for less

Lots of things are taken into consideration when premium rates are determined. Some are pretty understandable like an MVR report, but some are more transparent such as your credit history or your vehicle rating.A large part of saving on insurance coverage is knowing some of the things that go into determining your policy premiums. If you have some idea of what determines premiums, this enables informed choices that will entitle you to lower rates.

Listed below are some of the items that factor into your rate level.

  • What are good liability insurance limits? – Liability coverage will provide protection if a jury decides you are liable for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense to defend your case. It is affordable coverage compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Never go without insurance coverage – Having an insurance coverage lapse can be a fast way to increase your renewal premiums. Not only will you pay higher rates, failure to provide proof of insurance might get you a fine, jail time, or a revoked license.
  • You might want pay the inexpensive insurance claims yourself – If you tend to file frequent claims, don’t be surprised to see increased rates or even have your policy non-renewed. Companies give cheaper rates to policyholders who only file infrequent claims. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
  • Drivers with high credit save – An insured’s credit score will be a significant factor in determining your rates. If your credit score can use some improvement, you could pay less to insure your 2001 Chevrolet Cavalier by repairing your credit. Insureds with high credit ratings tend to file fewer claims and have better driving records than those with lower credit scores.
  • You may save more by bundling policies – Most larger insurance coverage companies apply discounts to buyers who carry more than one policy. It’s known as a multi-policy discount. Discounts can be 10 percent or more. Even though this discount sounds good, drivers will still want to comparison shop to make sure you are getting the best deal. You may still be able to find better rates by insuring with multiple companies.
  • Keep the miles off and save – The more miles you rack up on your Chevy in a year the more you will pay for insurance coverage. Almost all companies calculate rates based upon how you use the vehicle. Vehicles not used for work or commuting receive better premium rates than vehicles that are driven to work every day. A policy that improperly rates your Cavalier may be wasting your money. It’s a good idea to make sure your insurance coverage declarations sheet is showing the right rating data.

How much auto insurance do I need?

When choosing the best auto insurance coverage, there really is no best way to insure your cars. Each situation is unique.

For instance, these questions can aid in determining if your situation may require specific advice.

  • At what point should I drop full coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Which companies will insure high-risk drivers?
  • Should I buy only the required minimum liability coverage?
  • What is the rate difference between pleasure use and commuting?
  • Will filing a claim cost me more?
  • Do I really need UM/UIM coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Should I bundle my homeowners policy with my auto?
  • Is my ex-spouse still covered by my policy?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Coverages available on your policy

Learning about specific coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive insurance – This pays for 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 such as vandalism, damage from a tornado or hurricane, a tree branch falling on your vehicle, fire damage and damage from getting keyed. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverages – This coverage can cover damage or injury you incur to a person or their property that is your fault. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like structural damage, pain and suffering, legal defense fees, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Collision coverage – Collision insurance pays for damage to your Cavalier resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with a tree, driving through your garage door, crashing into a building, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually these coverages are set the same as your liablity limits.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for expenses for ambulance fees, rehabilitation expenses, EMT expenses, X-ray expenses and pain medications. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Coverage on a shoestring budget

Cheaper insurance is definitely available on the web and also from your neighborhood agents, so you need to quote insurance coverage with both to have the best chance of lowering rates. Some insurance companies may not offer online price quotes and these regional insurance providers sell through independent insurance agencies.

You just read some good ideas how to get a better price on 2001 Chevy Cavalier insurance. It’s most important to understand that the more you quote insurance coverage, the better likelihood of getting the cheapest insurance coverage. Consumers could even find that the most savings is with the least-expected company.

People leave their current company for many reasons like policy non-renewal, extreme rates for teen drivers, denial of a claim or even not issuing a premium refund. Regardless of your reason, switching insurance companies is easier than you think.

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