How Much Does 1991 Chevrolet Cavalier Insurance Cost?

Comparing and finding more affordable prices for insurance is always quite difficult for drivers who are new to online price comparisons. You have so many different companies and agents to choose from that it can easily become a difficult situation to compare rates.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these methods. Buying more affordable insurance coverage is easy if you know what you’re doing. Nevertheless, consumers need to learn the way insurance companies compete online and take advantage of how the system works.

Choices you make can impact your insurance premiums

Multiple criteria are part of the calculation when pricing auto insurance. Some are pretty understandable like an MVR report, but other factors are less apparent such as your marital status or your commute time.It’s important that you understand some of the factors that come into play when calculating the price you pay for car insurance. If you have a feel for what impacts premium levels, this enables you to make decisions that can help you get much lower annual insurance costs.

Listed below are a few of the “ingredients” used by your company to calculate your prices.

  • Use but don’t abuse your insurance – Auto insurance companies provide lower rates to drivers that do not abuse their auto insurance. If you file claims often, you can expect higher premiums or even policy non-renewal. Your insurance policy is intended for more catestrophic claims.
  • Infrequent drivers can save – The more you drive every year the higher the price you pay to insure it. The majority of insurers charge to insure your cars based on their usage. Vehicles used primarily for pleasure use can get a lower rate than those that get driven frequently. Ask your agent if your car insurance policy states the correct usage. A policy that improperly rates your Cavalier can result in significantly higher rates.
  • Older drivers pay less – Older drivers tend to be more responsible, are lower risk to insure and get fewer tickets.Inexperience drivers have a tendency to be inattentive when driving with friends so they pay higher car insurance rates.
  • Gaps in coverage mean higher prices – Having a gap between insurance policy dates is a quick way to increase your rates. And not only will insurance be more expensive, the inability to provide proof of insurance might get you fines or a revoked license.

How to compare car insurance price quotes

Effectively comparing car insurance prices can be a lot of work if you don’t know the most efficient way. You could spend your day talking about coverages with insurance agencies in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Many of the larger companies belong to a marketplace that allows shoppers to submit their information once, and every company can give them a price based on that information. This eliminates the need for quotation requests to each individual car insurance company.

To find out what other companies charge click to open in new window.

One minor caviat to using this type of form is you don’t know exactly which companies to receive prices from. So if you prefer to choose specific providers for rate comparison, we have assembled a list of car insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just try to keep the exact same quote information for each price quote. If your comparisons have different limits and deductibles on each one then you won’t be able to determine the lowest rate for your Chevy Cavalier. Even a minor difference in insurance coverages could mean much higher rates. It’s important to know that comparing more company’s prices provides better odds of finding lower pricing. Some smaller insurers to not give online quotes, so it’s necessary to compare price estimates from those companies as well.

Discounts to earn cheaper car insurance rates

Companies offering auto insurance do not advertise all possible discounts in an easy-to-find place, so we researched a few of the more well known as well as some of the hidden credits that you can use to lower your rates. If you don’t get every credit you deserve, you are not getting the best rate possible.

  • Discounts for Federal Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease on Cavalier coverage depending on your company.
  • Active Service Discounts – Having a family member in the military could mean lower premium rates.
  • Driver’s Ed – It’s a good idea to have your young drivers complete a driver education course if offered at their school.
  • Air Bags and Passive Restraints – Vehicles with factory air bags may get savings of up to 25% or more.
  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and that can save you a little bit as well.

Please keep in mind that many deductions do not apply to the overall cost of the policy. Most cut individual premiums such as collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, car insurance companies aren’t that generous.

A list of companies and some of the discounts are included below.

  • GEICO has savings for daytime running lights, anti-theft, defensive driver, anti-lock brakes, air bags, driver training, and five-year accident-free.
  • Auto-Owners Insurance offers premium reductions for anti-lock brakes, student away at school, good student, safe driver, company car, and mature driver.
  • American Family offers discounts for mySafetyValet, defensive driver, TimeAway discount, bundled insurance, good driver, air bags, and accident-free.
  • Esurance may have discounts that include emergency road assistance, claim free, good driver, anti-theft, and Pac-12 alumni.
  • Progressive may include discounts for online signing, good student, online quote discount, homeowner, multi-policy, and continuous coverage.
  • State Farm includes discounts for Drive Safe & Save, anti-theft, good driver, defensive driving training, driver’s education, student away at school, and multiple autos.
  • AAA policyholders can earn discounts including pay-in-full, multi-policy, education and occupation, good driver, AAA membership discount, multi-car, and anti-theft.

If you are trying to find the cheapest auto insurance quotes, ask every insurance company which discounts can lower your rates. Some credits might not apply in your state. To see companies who offer cheap car insurance quotes, click here.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining whether you might need professional guidance.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What is UM/UIM insurance?
  • What can I do if my company won’t pay a claim?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Will my rates increase for filing one claim?
  • Do I need roadside assistance coverage?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Information about specific coverages

Understanding the coverages of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as funeral costs, EMT expenses and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability

This coverage protects you from damage that occurs to other’s property or people. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like court costs, attorney fees and funeral expenses. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Chevy Cavalier.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for collisions

Collision 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 can pay for claims such as sustaining damage from a pot hole, crashing into a building, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, vandalism, theft, damage from a tornado or hurricane and falling objects. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

One last thing

Insureds change insurance companies for a variety of reasons including unfair underwriting practices, delays in responding to claim requests, extreme rates for teen drivers or policy cancellation. Regardless of your reason, finding the right insurance coverage provider can be pretty painless.

As you prepare to switch companies, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where an insured cut liability limits or collision coverage and learned later that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find at the lowest possible cost while not skimping on critical coverages.

Discount 1991 Chevy Cavalier insurance is possible both online as well as from insurance agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who may not have online price quotes and many times these regional carriers only sell through independent agents.

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