1994 Chevrolet Cavalier Insurance Rates – 10 Ways to Save

Perplexed by the wide range of auto insurance choices in your area? people have so many choices that it can turn into a ton of work to find the best rates.

The purpose of this post is to instruct you on the most effective way to quote insurance. If you currently have car insurance, you will most likely be able to save some money using these methods. Nevertheless, car owners must know the way insurance companies compete online.

How to get the cheapest insurance coverage

There are several ways you can shop for insurance coverage but there is one way that is less labor-intensive and much quicker. You could spend your day talking about coverages with insurance companies in your area, or you could save time and use online quotes to get pricing more quickly.

Most major companies take part in a program where prospective buyers submit one quote, and at least one company then gives them pricing based on that information. This system prevents you from having to do repetitive form submissions for each company. To access this free quoting program, click here (opens in new window).

The single downside to using this type of form is buyers cannot specifically choose which providers to get pricing from. If you wish to select from a list of companies for rate comparison, we have a page of companies who write insurance coverage in your area. Click here for list of insurance companies.

Which method you use is up to you, but try to keep apples-to-apples coverages and limits on every price quote you get. If you enter different limits and deductibles on each one it will be impossible to determine the lowest rate for your Chevy Cavalier. Quoting even small variations in coverage limits may result in large price differences. Keep in mind that comparing a wide range of rates increases the change that you will find a lower rate. Not every company does prices over the internet, so it’s necessary to compare prices from the smaller companies as well.

Earn discounts on auto insurance

The price of auto insurance can be rather high, but you might already qualify for some discounts that you may not even know about. Some of these disounts will be visible when you complete an application, but a few must be manually applied before they will apply. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Defensive Driving Course – Completing a defensive driving course can save you 5% or more depending on where you live.
  • Passive Restraints – Options like air bags can qualify for discounts of 25 to 30%.
  • Drivers Ed for Students – Require your teen driver to participate in a local driver’s education class if offered at their school.
  • Discounts for Multiple Vehicles – Drivers who insure more than one vehicle on a single policy could earn a price break for each car.
  • Buy New and Save – Buying a new car model can save you some money because newer vehicles keep occupants safer.
  • Discount for Low Mileage – Keeping the miles down on your Chevy may enable drivers to earn cheaper auto insurancerates.
  • Paper-free Discount – A handful of auto insurance companies give back up to $50 for buying a policy and signing up on their website.
  • Theft Deterent – Cars that have factory anti-theft systems are stolen with less frequency and will save you 10% or more.
  • Accident Free – Drivers who don’t have accidents can earn big discounts compared to insureds who have frequent claims or accidents.
  • Military Rewards – Being deployed with a military unit may lower your prices slightly.

Please keep in mind that many deductions do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability and collision coverage. So even though you would think you can get free auto insurance, it doesn’t quite work that way.

For a list of auto insurance companies that offer some of these discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover if you might need professional guidance.

  • Does my insurance cover a custom paint job?
  • Are my friends covered when driving my 1994 Chevy Cavalier?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I have coverage when using my vehicle for my home business?
  • What is high-risk coverage and where do I buy it?
  • Do I benefit by insuring my home with the same company?
  • If my 1994 Chevy Cavalier is totaled, can I afford another vehicle?
  • What are the financial responsibility laws in my state?
  • 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 one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form.

Car insurance coverages and their meanings

Learning about specific coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage – This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Chevy Cavalier.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverages – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, damage from a tornado or hurricane, a tree branch falling on your vehicle and hitting a deer. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as rehabilitation expenses, chiropractic care, hospital visits and dental work. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Liability car insurance – Liability insurance can cover injuries or damage you cause to people or other property. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things such as repair bills for other people’s vehicles, medical expenses, court costs and legal defense fees. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Collision coverage – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a mailbox, sideswiping another vehicle, crashing into a building and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Cheaper insurance is a realistic goal

We just showed you a lot of information how to reduce 1994 Chevy Cavalier insurance rates online. It’s most important to understand that the more providers you compare, the better your comparison will be. Drivers may discover the best price on insurance is with some of the smallest insurance companies.

Consumers leave their current company for any number of reasons including denial of a claim, high rates after DUI convictions, policy cancellation and even questionable increases in premium. Regardless of your reason, finding the right insurance provider is not as hard as you think.

As you restructure your insurance plan, don’t be tempted to reduce needed coverages to save money. There have been many cases where an insured cut liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The goal is to purchase a proper amount of coverage for the lowest cost while not skimping on critical coverages.

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