1995 Chevrolet Cavalier Car Insurance Quotes – 9 Tips for Cheapest Rates

Looking for better insurance coverage rates? Shoppers have lots of choices when shopping for affordable Chevy Cavalier insurance. They can either waste time calling around getting price quotes or save time using the internet to get rate quotes.

There are more efficient ways to shop for insurance coverage and we’ll show you the proper way to get price quotes for a Chevy and locate the best price possible from both online companies and local agents.

The purpose of this article is to let you in on the most effective way to quote insurance. If you currently have a car insurance policy, you will most likely be able to save some money using these techniques. Drivers only need to know the best way to buy auto insurance online.

The quickest method we recommend to get policy rate comparisons is to take advantage of the fact almost all companies participate in online systems to give free rates quotes. All consumers are required to do is provide a small amount of information including whether the vehicles are used for commuting, what your job is, whether you are married, and if it has an alarm system. The data is then sent to insurance companies and they respond with quotes quickly.

To get price quotes for your Chevy Cavalier now, click here and find out if you can get cheaper insurance.

Get affordable rates with these nine discounts

Companies don’t always list every disount available in a way that’s easy to find, so the next list breaks down a few of the more common and also the more inconspicuous discounts that may be available.

  • Multiple Vehicles – Insuring multiple vehicles on the same auto insurance policy could earn a price break for each car.
  • Military Discounts – Having an actively deployed family member could mean lower premium rates.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may get savings as much as 30%.
  • Own a Home and Save – Being a homeowner can get you a discount because of the fact that having a home is proof that your finances are in order.
  • Low Mileage – Keeping the miles down on your Chevy can earn lower auto insurancerates on the low mileage vehicles.
  • Discounts for Safe Drivers – Accident-free drivers can get discounts for up to 45% lower rates for Cavalier coverage as compared to drivers with claims.
  • Club Memberships – Joining qualifying employment or professional organizations may earn a discount on your policy.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school or through a local driver safety program.
  • Life Insurance Discount – Some insurance carriers give a lower premium rate if you buy life insurance from them.

As a sidenote, most discount credits are not given the the whole policy. Most cut individual premiums such as medical payments or collision. Even though the math looks like you could get a free auto insurance policy, nobody gets a free ride.

For a list of providers that offer discounts, click here to view.

Auto insurance can be complex

When choosing the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different.

For example, these questions may help you determine whether you could use an agent’s help.

  • Can I rent a car in Mexico?
  • How much liability coverage do I need in my state?
  • Does coverage extend to my business vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is my Chevy Cavalier covered if I use it for business?
  • Am I covered if hit by an uninsured driver?
  • What is the rate difference between pleasure use and commuting?
  • How can I force my company to pay a claim?
  • Do I need an umbrella policy?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and you can get the answers you need.

Car insurance coverages and their meanings

Having a good grasp of your car insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for nursing services, pain medications, EMT expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sideswiping another vehicle, crashing into a ditch, backing into a parked car, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Liability coverages

Liability insurance protects you from 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 your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as emergency aid, loss of income and pain and suffering. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive auto coverage

This coverage pays for 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 insurance covers claims such as hail damage, damage from getting keyed and hitting a deer. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Chevy Cavalier.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Save your cold hard cash

Cost effective 1995 Chevy Cavalier insurance can be found online as well as from independent agents, so you should compare both in order to have the best chance of saving money. Some insurance providers do not provide internet price quotes and many times these regional insurance providers prefer to sell through local independent agencies.

Throughout this article, we presented a lot of tips how to reduce 1995 Chevy Cavalier insurance premium rates online. The key concept to understand is the more providers you compare, the better your comparison will be. Drivers may discover the best price on insurance coverage is with a smaller regional carrier.

When trying to cut insurance costs, don’t be tempted to buy poor coverage just to save money. There have been many situations where someone dropped liability coverage limits only to regret they didn’t purchase enough coverage. Your goal is to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.

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