Save on 1996 Chevrolet Cavalier Insurance Quotes

Trying to find the cheapest auto insurance rates for your Chevrolet Cavalier? Have you finally had enough of not being able to scrape enough together to pay your auto insurance bill each month? You are in the same boat as the majority of other consumers. Due to the large number of insurance companies to choose from, it is very difficult to find the lowest price auto insurance provider.

Insurance coverage policy discounts you can’t miss

Some insurers do not advertise the entire discount list in an easy-to-find place, so the list below contains a few of the more well known and the more hidden credits available to lower your premiums when you buy auto insurance online.

  • Good Grades Discount – A discount for being a good student can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
  • Bundle and Save – When you have multiple policies with the same insurance company you may earn nearly 15% which can help you find cheaper auto insurance.
  • College Student – Older children living away from home attending college and don’t have a car could get you a discount.
  • Pay Upfront and Save – By paying your entire bill at once rather than paying monthly you can avoid monthly service charges.
  • Government Employee Discount – Being employed by or retired from a federal job could provide a small rate reduction on Cavalier insurance depending on your company.
  • Own a Home – Just being a homeowner can earn you a little savings since owning and maintaining a home demonstrates responsibility.
  • Driver Training Discounts – Taking part in a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • 55 and Retired – Drivers over the age of 55 may be able to get better insurance coverage rates on Cavalier insurance.
  • Organization Discounts – Participating in qualifying employment or professional organizations may earn a discount when getting a auto insurance quote.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Some only reduce individual premiums such as comp or med pay. So even though they make it sound like adding up those discounts means a free policy, company stockholders wouldn’t be very happy. Any amount of discount should help reduce your premiums.

To locate providers that offer many of these discounts, click here to view.

Insurance rate influencing factors

A large part of saving on insurance coverage is knowing some of the elements that come into play when calculating the level of your policy premiums. If you have some idea of what determines premiums, this enables informed choices that may reward you with better insurance coverage rates.

  • Where you live – Choosing to live in a rural area is a good thing when trying to find low car insurance rates. Less people living in that area translates into fewer accidents and lower theft and vandalism rates. Urban drivers have to deal with more traffic problems and higher rates of accident claims. More time commuting means higher likelihood of an accident.
  • Driver age impacts prices – More experienced drivers have been proven to be more responsible, file fewer claims .Young drivers are known to be inattentive and easily distracted with other occupants in the car and because of this, their insurance coverage rates are much higher.
  • Cheaper premiums using alarm systems – Driving a car with a theft deterrent system can save you a little every year. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft.
  • Too many policy claims drive up premiums – If you are a frequent claim filer, you shouldn’t be surprised to get either a policy non-renewal or much higher rates. Companies generally give the best rates to policyholders who do not rely on their insurance for small claims. Insurance coverage is designed for major claims that would cause financial hardship.

Insurance agents can help

When choosing the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every situation is different so this has to be addressed. For example, these questions might help in determining whether you could use an agent’s help.

  • Should I waive the damage coverage when renting a car?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my ex-spouse still covered by my policy?
  • Does coverage extend to a rental car in a foreign country?
  • When should I remove comp and collision on my 1996 Chevy Cavalier?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I need more liability coverage?
  • How high should my uninsured/underinsured coverage be in my state?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Can switching companies really save?

Drivers get pounded daily by advertisements that promise big savings for switching from the likes of State Farm, GEICO and Progressive. All the ads make an identical promise that drivers will save a bundle if you just switch your coverage.

But how can every company offer drivers better rates? This is how they do it.

Insurance companies require specific criteria for the type of driver that earns them the highest profit. For example, this type of insured could be between the ages of 30 and 50, owns their home, and insures a new vehicle. Any driver that hits that “sweet spot” will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.

Drivers who do not match this ideal profile will have to pay higher rates which translates to the customer buying from someone else. The wording the ads use say “customers that switch” not “everyone who quotes” save money. That’s why insurance companies can make those claims. Because every company is different, you really need to do a rate comparison at every renewal. It’s impossible to know which company will provide the lowest rates.

Parts of your insurance policy

Learning about specific coverages of insurance helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages available from insurance companies.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as chiropractic care, doctor visits, nursing services and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

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. This is the reason having UM/UIM coverage is very important.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like fire damage, damage from flooding and theft. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as backing into a parked car, scraping a guard rail, crashing into a building, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability car insurance

Liability insurance can cover damage or injury you incur to other people or property by causing an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things like repair bills for other people’s vehicles, medical expenses, structural damage and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Don’t throw your cash in the trash

We covered many ways to get a better price on 1996 Chevy Cavalier insurance. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Consumers could even find that the biggest savings come from a smaller regional carrier. They can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

When shopping online for auto insurance, you should never reduce coverage to reduce premium. In many instances, someone sacrificed uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage at the lowest possible cost, but don’t skip important coverages to save money.

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