Lower Your 2002 Chevrolet Cavalier Car Insurance Rates

Having to pay for high-priced insurance can stress out your bank account and force you to make tough financial choices. Comparing cost estimates can save money and help to make sure you’re not throwing money away.

Big-name insurance companies like Geico and Progressive all claim big savings, bombarding you with catchy ads and it is difficult to separate fact from fiction and do the work needed to find the best deal.

It’s important to shop coverage around once or twice a year because insurance rates fluctuate regularly. Even if you think you had the lowest premium rates on Cavalier insurance two years ago there may be better deals available now. There is a lot of wrong information about insurance on the internet, but in a few minutes you can learn a lot of great tips on how to lower your insurance bill.

If you are insured now or are just looking to switch companies, you can learn to get lower rates and possibly find even better coverage. Buying car insurance is not rocket science. Consumers just need to understand the proper methods to get comparison quotes online.

Lower rates by qualifying for discounts

Insurance coverage is expensive, but there could be available discounts to help offset the cost. Some trigger automatically when you get a quote, but occassionally some discounts must be specifically requested prior to getting the savings.

  • Defensive Driver Discounts – Passing a safe driver course is a good idea and can lower rates and easily pay for the cost of the class.
  • College Student – Children who are enrolled in higher education away from home and don’t have a car may be able to be covered for less.
  • Accident Free – Claim-free drivers can earn big discounts as compared to insureds who have frequent claims or accidents.
  • Paperwork-free – Many larger companies will give you a small discount for completing your application on your computer.
  • Auto/Home Discount – When you combine your auto and homeowners insurance with the same insurance company you will save approximately 10% to 15%.
  • Driver’s Ed – It’s a good idea to have your young drivers participate in a local driver’s education class in high school.

As a sidenote, most credits do not apply the the whole policy. Most only apply to individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, you’re out of luck.

Large insurance coverage companies and some of the discounts include:

  • American Family policyholders can earn discounts including early bird, multi-vehicle, good driver, bundled insurance, TimeAway discount, and Steer into Savings.
  • State Farm may offer discounts for good driver, Drive Safe & Save, Steer Clear safe driver discount, multiple autos, and safe vehicle.
  • 21st Century has savings for driver training, teen driver, theft prevention, student driver, 55 and older, good student, and homeowners.
  • Travelers discounts include new car, continuous insurance, early quote, payment discounts, IntelliDrive, and save driver.
  • Geico includes discounts for membership and employees, emergency military deployment, military active duty, multi-policy, and driver training.

If you want low cost insurance quotes, ask all companies you are considering how you can save money. Discounts may not be offered in your area. To locate insurers that offer multiple discounts, click here to view.

Free car insurance quotes

Reducing your 2002 Chevy Cavalier insurance rates is a great way to save money. You just have to take a few minutes to compare rate quotes from some recommended companies. You can get a good selection of rate quotes using a couple different methods.

If you don’t have a lot of time, the easiest way to get quotes is to use a rate comparison form click here to open form in new window. This easy form prevents you from having to do a different quote for each company. One form will get you price quotes instantly.

A different way to analyze rates consists of going to each company website and repeat the quote process again and again. For sake of this example, let’s say you want to see prices from Geico, Farmers and Travelers. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which can take a lot of time. For a handy list of car insurance company links in your area, click here.

The last way to comparison shop rate quotes is calling or driving to different agent offices. Doing it all online eliminates this option unless you prefer the professional abilities of a local agent. If you prefer, some companies allow you to obtain prices from the web but have your policy serviced through an agent.

Which method you use is up to you, but make darn sure you compare equivalent quote information for every quote you compare. If each company quotes differing limits you will not be able to get a fair rate comparison.

Why you might pay increased rates

Many different elements are considered when pricing auto insurance. Some are pretty understandable like an MVR report, although some other factors are not as apparent like where you live and annual miles driven.

The list below includes a partial list of the pieces companies use to determine your rates.

  • Rental and towing coverage may not be needed – Policies have add-on coverages that may not really be needed on your auto insurance policy. Insurance for replacement cost coverage, death and dismemberment, and motor club memberships may be costing you every month. You may think they are a good idea when you first buy your policy, but your needs may have changed so remove them from your policy.
  • Buy as much liability as you can afford – Your policy’s liability coverage will provide protection if a court rules you are at fault for an accident. Liability insurance provides for a legal defense to attempt to prove you were not liable. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
  • Location can modify price – Having an address in small towns and rural areas has it’s advantages when shopping for auto insurance. Fewer people translates into fewer accident claims and also fewer theft and vandalism claims. Urban drivers tend to have more traffic problems and more severe claims. The longer drive time translates into higher accident risk.
  • Single drivers take more risk – Walking down the aisle may cut your premiums on your policy. Having a significant other means you’re more stable financially it has been statistically shown that drivers who are married are more cautious.
  • Is insurance coverage cheaper for females or males? – Statistics demonstrate that women are safer drivers than men. However, this does not mean females are better drivers. Females and males are responsible for at-fault accidents at about the same rate, but men have costlier accidents. Men also statistically get higher numbers of serious violations such as reckless driving.
  • Bundling policies can get discounts – Most major insurance companies apply better rates to buyers who consolidate policies with them such as combining an auto and homeowners policy. Even with this discount applied, drivers will still want to compare other company rates to help ensure you have the lowest rates.There is a good possibility that you can save even more than the discount by buying from different companies
  • Teen drivers are expensive to insure – Teenage drivers have a tendency to be inattentive and easily distracted when driving therefore auto insurance rates are much higher. Having to add a teenage driver onto your auto insurance can really hurt. Older drivers are shown to be more cautious, tend to file fewer claims .

Insurance coverage is unique, just like you

When it comes to choosing adequate coverage, there really is no perfect coverage plan. Each situation is unique and your policy should reflect that. Here are some questions about coverages that can help discover if you could use an agent’s help.

  • Can I rate high risk drivers on liability-only vehicles?
  • Is my custom paint covered by insurance?
  • What is the minimum liability in my state?
  • Should I bundle my homeowners policy with my auto?
  • Where can I get insurance after a DUI in my state?
  • How can I get my company to pay me more for my totalled car?
  • Is my cargo covered for damage or theft?

If you can’t answer these questions, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Are you falling for claims of savings?

Drivers can’t get away from ads that claim the lowest auto insurance rates from the likes of State Farm and Allstate. They all seem to make the promise about how much you will save if you just switch your car insurance policy to them.

How does every company have lower policy pricing? It’s all in the wording.

Companies require specific criteria for the driver that is profitable for them. One example of a preferred risk could be over the age of 45, has no tickets, and has a high credit rating. Any customer who fits that profile will probably get the lowest premium rates as well as save a lot of money.

Insureds who do not meet these standards will be quoted a higher premium and this can result in the prospect going elsewhere. The trick companies use is to say “people that switch” not “everybody who quotes” save that much money. That’s why companies can make claims like that.

Because of these techniques, you should compare price quotes frequently. Because you never know with any certainty which company will have the best premium rates.

Insurance coverage considerations

Learning about specific coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement. These are the normal coverages offered by insurance companies.

Comprehensive coverage

Comprehensive insurance 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 pays for claims like damage from getting keyed, falling objects, a tree branch falling on your vehicle, a broken windshield and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage

This coverage protects you from damage or injury you incur to other people or property in an accident. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things such as loss of income, medical services, medical expenses, pain and suffering and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for 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. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with a tree, crashing into a ditch, crashing into a building, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills such as X-ray expenses, chiropractic care and rehabilitation expenses. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Buy Smart and Save

Affordable 2002 Chevy Cavalier insurance is definitely available both online in addition to local insurance agencies, and you need to price shop both so you have a total pricing picture. Some insurance coverage companies don’t offer price quotes online and usually these smaller providers sell through independent agents.

Throughout this article, we presented many ways to compare 2002 Chevy Cavalier insurance rates online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the lowest rates are with a smaller regional carrier. They can often provide lower car insurance rates in certain areas compared to the large companies like State Farm, Geico and Nationwide.

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