Compare 2003 Chevrolet Cavalier Insurance Quotes

Looking for lower insurance rates? Shoppers have options when shopping for the best price on Chevy Cavalier insurance. You can either spend your time calling around trying to get quotes or leverage the internet to compare rates.

There is a better way to compare insurance rates and we’ll show you the proper way to compare rates on a Chevy and get the lowest possible price from local insurance agents and online providers.

This information will tell you how to effectively get price quotes and some tricks to saving. If you have car insurance now, you will most likely be able to save some money using this information. Vehicle owners only need an understanding of the proper way to find the lowest price over the internet.

The method we recommend to compare insurance rates from multiple companies utilizes the fact most insurance companies pay for the opportunity to compare rate quotes. The only thing you need to do is give them some information including how old drivers are, if your license is active, types of safety features, and whether you drive to work or school. Those rating factors gets transmitted to multiple auto insurance providers and you will get price comparisons instantly.

If you would like to compare rates now, click here and complete the form.

Discounts for cheap insurance rates

Companies that sell car insurance don’t always list every policy discount very clearly, so below is a list some of the best known and also the lesser-known credits that may apply to you.

  • Low Miles Discount – Low mileage vehicles can earn better rates on cars that stay parked.
  • Memberships – Participating in a qualifying organization could qualify you for a break when getting a car insurance quote.
  • Onboard Data Collection – Policyholders that allow data collection to study driving manner by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates as long as they are good drivers.
  • Sign Early and Save – A few larger companies allow discounts for switching companies prior to your current policy expiring. This discount can save up to 10%.
  • Senior Discount – Drivers that qualify as senior citizens may receive a small decrease in premiums on Cavalier coverage.
  • Military Deployment Discount – Being on active duty in the military could mean lower insurance rates.
  • Anti-theft Discount – Cars, trucks, and SUVs with anti-theft systems have a lower chance of being stolen and will save you 10% or more.
  • Distant Student Discount – Children who are attending college and don’t have a car can receive lower rates.
  • Seat Belt Usage – Forcing all vehicle occupants to buckle their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.

Drivers should understand that many deductions do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you can get free auto insurance, companies don’t profit that way. Any qualifying discounts will help reduce your policy cost.

To find insurance companies who offer online insurance quotes, click this link.

Smart buyers can lower their insurance premiums

An important part of buying insurance is that you know the different types of things that play a part in calculating the price you pay for auto insurance. If you understand what influences your rates, this allows you to make educated decisions that could help you find lower auto insurance prices.

The items below are some of the factors utilized by car insurance companies to help set your rates.

  • Credit score impact auto insurance costs – Your credit rating is a large factor in determining what you pay for auto insurance. People that have very good credit scores tend to be more responsible and file fewer claims than drivers who have lower credit scores. If your credit rating can be improved, you could potentially save money when insuring your 2003 Chevrolet Cavalier by spending a little time repairing your credit.
  • Liability limits should be high – Your policy’s liability coverage is the protection when you are ruled to be at fault for damages caused by your negligence. Your policy’s liability insurance provides you with a defense in court to defend your case. This coverage is relatively inexpensive compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • Bad drivers pay high prices – Getting just one citation may cause rates to rise by as much as twenty percent. Drivers with clean records get better prices compared to bad drivers. People who have serious violations such as reckless driving, hit and run or driving under the influence may need to prove financial responsibility with their state motor vehicle department in order to legally drive.
  • Pay more of a claim out-of-pocket – Your deductibles are the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. Insurance for physical damage to your car, also called ‘full coverage’, is used to repair damage to your car. Some coverage claims are collision with another vehicle, collision with a deer, and damage from wind. The more you have to pay, the lower your rates will be on Cavalier coverage.
  • Drive less and get lower rates – The more miles you rack up on your Chevy each year the more you’ll pay to insure it. Many insurance companies charge rates based upon how much you drive. Cars left parked in the garage can get a lower rate compared to those used for work or business. It’s always a good idea to double check that your auto insurance policy correctly shows the correct usage. A policy that improperly rates your Cavalier may be costing you higher rates.
  • Lower rates for vehicles with better crash test results – Vehicles with high crash test scores tend to be cheaper to insure. These vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates. If your Chevy Cavalier is rated at a minimum four stars on Safercar.gov you may be receiving a better rate.
  • Reserve auto insurance claims for larger damages – If you are the type of insured that files lots of claims you can pretty much guarantee either higher rates or even cancellation. Companies award the lowest premiums to insureds who are not frequent claim filers. Your car insurance is intended for larger claims.

Tailor your insurance coverage to you

When choosing proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions could help you determine if your situation might need an agent’s assistance.

  • What is high-risk coverage and where do I buy it?
  • Do I need medical payments coverage since I have good health insurance?
  • What companies insure drivers after a DUI or DWI?
  • Does coverage extend to a rental car in a foreign country?
  • Who is covered when they drive my 2003 Chevy Cavalier?
  • Am I covered when pulling a rental trailer?
  • Do I really need UM/UIM coverage?
  • What is UM/UIM insurance?
  • Do I pay less for low miles?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Does car insurance advertising bend the truth?

Consumers constantly see and hear ads for the lowest price car insurance from the likes of Progressive, Geico, Allstate and State Farm. They all tend to make the same promise that people will save after switching your car insurance policy to them.

How is it possible that every company can charge you a lower premium? It’s all in the words they use.

All the different companies are able to cherry pick for the type of driver that will be a good risk. A good example of a driver they prefer might be described as between the ages of 30 and 50, has never had a claim, and drives a lower-performance vehicle. Someone that fits those parameters receives the best auto insurance rates and therefore will cut their rates substantially.

Potential insureds who don’t qualify for those criteria may receive a more expensive rate which results in the prospect going elsewhere. If you pay close attention to the ads, they say “people that switch” not “everybody who quotes” can get the lowest rates when switching. That is how insurance companies can make claims that they all have the best premium rates.

Because of this risk profiling, you really should compare price quotes frequently. Because you cannot predict which insurance companies will be your best fit.

Insurance coverages explained

Knowing the specifics of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Chevy Cavalier.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Collision coverage

This coverage pays for damage to your Cavalier resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like rolling your car, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a broken windshield, damage from flooding and vandalism. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance

Liability insurance protects you from damage or injury you incur to a person or their property. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as structural damage, attorney fees, repair bills for other people’s vehicles, court costs and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Medical expense insurance

Med pay and PIP coverage reimburse you for short-term medical expenses such as rehabilitation expenses, ambulance fees and nursing services. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Save your cold hard cash

As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. Too many times, someone dropped collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The goal is to buy the best coverage you can find at an affordable rate, but do not skimp to save money.

Consumers switch companies for many reasons like high prices, an unsatisfactory settlement offer, delays in paying claims or lack of trust in their agent. Regardless of your reason for switching companies, switching companies can be easier than you think.

Budget-friendly car insurance is available on the web and from local agencies, so you should be comparing quotes from both to have the best selection. There are still a few companies who do not provide rate quotes online and these small insurance companies only sell through local independent agencies.

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