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.
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.
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.
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.
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.
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.
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.
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.
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
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 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.
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 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.
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.
Additional detailed information is located by following these links: