Save on 2004 Chevrolet Cavalier Car Insurance Rates

Getting budget-priced car insurance may be overwhelming for vehicle owners that are relatively new to comparison shopping over the internet. With so many online companies, how are we expected to efficiently compare them all to find the lowest rates?

Are you getting every discount?

Properly insuring your vehicles can get expensive, but there may be some discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time of purchase, but a few need to be manually applied before you will receive the discount.

  • Paper-free Discount – Many car insurance companies will give you a small discount simply for signing on their website.
  • ABS Braking Discount – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions so you can save 10 percent or more.
  • Pay Now and Pay Less – By paying your policy upfront as opposed to paying monthly you may reduce your total bill.
  • Multiple Vehicles – Purchasing coverage when you have several vehicles on a single policy can get a discount on all vehicles.
  • Defensive Driving Course – Taking a class that teaches defensive driver techniques can save you 5% or more if your company offers it.

Discounts save money, but please remember that many deductions do not apply to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, it’s just not the way it works. Any amount of discount will positively reduce your policy premium.

Some of the insurance companies that may have most of the discounts above include:

Before buying, ask each company how many discounts you can get. Some of the discounts discussed earlier may not apply in your area. To choose companies with discount rates, click here.

The most recommended method to compare car insurance company rates utilizes the fact auto insurance companies allow for online access to provide you with free rate quotes. The one thing you need to do is give the companies some data such as how your vehicles are used, if the vehicle is leased, level of coverage desired, and how many miles driven. That rating data is sent automatically to all major companies and you receive quotes almost instantly.

To find the cheapest 2004 Chevy Cavalier insurance rates, click here and find out if lower rates are available.

When in doubt talk to an agent

When it comes to choosing the best auto insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

For instance, these questions can aid in determining if you would benefit from an agent’s advice.

  • What if I don’t agree with a claim settlement offer?
  • Am I covered when pulling a rental trailer?
  • When should I remove comp and collision on my 2004 Chevy Cavalier?
  • Why do I need rental car insurance?
  • Is my teen driver covered when they drive my company car?
  • How can I force my company to pay a claim?
  • Does my insurance cover a custom paint job?
  • Why do I only qualify for high-risk insurance?
  • Does my policy pay for OEM or aftermarket parts?
  • How much underlying liability do I need for an umbrella policy?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance policy coverages for a Chevy Cavalier

Having a good grasp of insurance helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like theft, damage from getting keyed, a tree branch falling on your vehicle and damage from flooding. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision protection

This coverage will pay to fix damage to your Cavalier resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sideswiping another vehicle, colliding with another moving vehicle, sustaining damage from a pot hole, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like hospital visits, EMT expenses, rehabilitation expenses and doctor visits. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Liability

This can cover damage that occurs to people or other property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like funeral expenses, pain and suffering, loss of income and legal defense fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these coverages are similar to your liability insurance amounts.

Better coverage you can count on

When buying insurance coverage, you should never reduce needed coverages to save money. In too many instances, someone dropped comprehensive coverage or liability limits and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to purchase a proper amount of coverage at the best cost while not skimping on critical coverages.

Some insurance providers may not have the ability to get a quote online and most of the time these smaller companies prefer to sell through independent agencies. Cheaper auto insurance can be found online in addition to local insurance agencies, and you should be comparing both to get a complete price analysis.

In this article, we covered many tips how you can lower your 2004 Chevy Cavalier insurance car insurance rates. The key thing to remember is the more companies you get premium rates for, the better your comparison will be. You may even find the lowest car insurance rates come from some of the lesser-known companies.

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