1990 Chevrolet Cavalier Car Insurance Rates – 6 Tricks for Best Quotes

Buying the most affordable auto insurance on the internet may at first seem to be somewhat difficult for drivers that are not comfortable with quoting and comparing prices on the internet. With such a large number of agents and online companies available, how can you possibly compare every auto insurance company to find the best price?

Which car insurance is cheapest?

The majority of larger companies provide prices online. Getting prices online is pretty painless because you just enter as detailed in the form. Behind the scenes, the quote system will order credit information and your driving record and generates a price based on the information you submitted.

Quoting online streamlines rate comparisons, but having to visit multiple sites and type in the same data is monotonous and tiresome. But it is imperative to have as many quotes as possible if you are searching for a lower rate.

Keep reading for an easier way to compare prices

A better way to compare rates requires only one form that analyzes rates from a bunch of companies at once. The form is fast, eliminates repetitive work, and makes online price comparison a little more enjoyable. Immediately after you send the form, it is quoted and you can choose any one of the pricing results. If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. It takes just a few minutes to complete and can result in significant savings.

If you want to compare rates using this form now, click here to open in a new tab and enter your information. To compare your current rates, we recommend you complete the form with the insurance coverages identical to your current policy. Doing this assures you will have an apples-to-apples comparison using the same coverage and limits.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions can aid in determining whether you may require specific advice.

  • Do all my vehicles need collision coverage?
  • How much liability insurance is required?
  • When can I cancel my policy?
  • Is a blown tire covered by insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does my 1990 Chevy Cavalier qualify for pleasure use?
  • If I drive on a suspended license am I covered?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance coverages 101

Understanding the coverages of auto insurance can be of help when determining the right coverages for your vehicles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, theft and hail damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical costs insurance

Med pay and PIP coverage pay for expenses such as dental work, ambulance fees and nursing services. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Liability coverage

Liability insurance will cover injuries or damage you cause to people or other property. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as court costs, emergency aid and loss of income. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Auto collision coverage

This will pay to fix damage to your Cavalier resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like scraping a guard rail, hitting a mailbox, backing into a parked car, hitting a parking meter and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

UM/UIM Coverage

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as 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. For this reason, having high UM/UIM coverages is important protection for you and your family.