How Much Does 1993 Chevrolet Cavalier Insurance Cost?

Want cheaper insurance rates for your Chevrolet Cavalier? Drivers that are new to buying car insurance online are likely to discover buying cheaper car insurance is harder than it should be.

If you are paying for car insurance now, you will be able to lower your premiums substantially using this information. The purpose of this post is to tell you how to get online quotes and some tips to save money. But drivers do need to know the way companies sell insurance online and take advantage of how the system works.

Compare auto insurance price quotes

When comparison shopping, there are several ways to compare rate quotes from many available auto insurance companies in your state. The simplest method to comparison shop is to jump online and get quotes. This can be done in several different ways.

  • Without a doubt, the easiest way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This quick form saves time by eliminating separate forms for each company you want a rate for. In just a few minutes this one form gets coverage cost estimates from auto insurance companies with the best prices.It’s the quickest way to get rates.
  • A less efficient way to obtain and compare quotes online consists of going to each company website and fill out their own quote form. For examples sake, let’s say you want rates from Auto-Owners, Progressive and American Family. In order to get each rate, you would have to go to every website and punch in your information repeatedly, which can get rather old.

    For a handy list of car insurance company links in your area, click here.

  • The most difficult way to compare price quotes is to drive around to all the different insurance agencies. Doing it all online has reduced the need for local agents unless your situation requires the trained guidance of a local agent. It is possible with some companies price shop online and still use a local agent.

You can use whichever method you prefer to find lower rates, just double check that you are using equivalent deductibles and coverage limits on every price quote you get. If the quotes have different liability limits then you won’t be able to determine the lowest rate for your Chevy Cavalier. Just slight variations in insurance coverages may cause a big price difference. Just remember that comparing more rates from different companies increases your odds of finding the best rates.

Insurance agents can help

When it comes to buying adequate coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight whether you might need professional guidance.

  • When would I need rental car insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • When should I drop full coverage on my 1993 Chevy Cavalier?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered if I drive in a foreign country?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

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

Auto insurance coverage options for a Chevy Cavalier

Learning about specific coverages of your policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Coverage for liability

This can cover damage or injury you incur to people or other property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers claims like medical services, attorney fees, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Comprehensive or Other Than Collision

This pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like fire damage, a tree branch falling on your vehicle, damage from getting keyed, falling objects and hitting a deer. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance

Med pay and PIP coverage reimburse you for bills for prosthetic devices, pain medications, EMT expenses and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Collision protection

Collision coverage covers damage to your Cavalier caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a mailbox, colliding with a tree, driving through your garage door, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

UM/UIM Coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chevy Cavalier.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.