1997 Chevrolet Cavalier Car Insurance Quotes – 7 Tricks for Best Rates

Want cheaper car insurance rates for your Chevrolet Cavalier? I can’t think of anyone who anticipates paying for car insurance, particularly when they are paying too much.

Consumers have so many auto insurance companies to choose from, and even though it’s nice to have a selection, more options can take longer to compare rates and find the lowest cost car insurance.

Find hidden discounts on insurance

Insurance is not inexpensive, but discounts can save money and there are some available to reduce the price significantly. A few discounts will automatically apply at the time you complete a quote, but less common discounts must be asked about prior to receiving the credit.

  • No Claim Discounts – Drivers who don’t have accidents get the best insurance rates when compared to drivers with a long claim history.
  • Buy New and Save – Buying a new car instead of a used car may earn a small discount due to better safety requirements for new model year vehicles.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen so companies will give you a small discount.
  • Full Payment Discount – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Professional Organizations – Having an affiliation with specific professional or occupational memberships or organizations could earn you a nice discount on your next renewal.
  • Telematics Devices – Drivers that enable companies to study when and where they use their vehicle by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if their driving habits are good.
  • Distant Student Discount – College-age children who are attending college and won’t have access to an insured vehicle could get you a discount.

Remember that most discount credits are not given to the overall cost of the policy. Some only reduce the cost of specific coverages such as comprehensive or collision. Even though the math looks like having all the discounts means you get insurance for free, it just doesn’t work that way.

To see a list of providers that offer multiple discounts, click this link.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. For example, these questions can aid in determining if your insurance needs might need an agent’s assistance.

  • Does coverage extend to my business vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What is the rate difference between pleasure use and commuting?
  • What is roadside assistance coverage?
  • What can I do if my company won’t pay a claim?
  • Should I get collision insurance on every vehicle?
  • Does my policy pay for OEM or aftermarket parts?

If you’re not sure about those questions, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Specific coverages for a 1997 Chevy Cavalier

Having a good grasp of your policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages available from insurance companies.

Auto collision coverage

Collision coverage covers damage to your Cavalier resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sustaining damage from a pot hole, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

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

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as fire damage, theft, rock chips in glass, falling objects and damage from flooding. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.


Liability coverage provides protection from damage that occurs to other’s property or people. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things like medical expenses, emergency aid, attorney fees and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for doctor visits, prosthetic devices, rehabilitation expenses, dental work and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Don’t break the bank

Affordable 1997 Chevy Cavalier insurance is available online and from local agencies, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies may not provide the ability to get quotes online and many times these smaller companies only sell coverage through local independent agents.

We just showed you a lot of information how to reduce 1997 Chevy Cavalier insurance rates online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Consumers could even find that the lowest rates are with some of the lesser-known companies. These smaller insurers often have lower car insurance rates on specific markets compared to the large companies like Allstate or State Farm.

When getting insurance quotes online, you should never skimp on coverage in order to save money. There have been many situations where someone sacrificed liability limits or collision coverage and learned later that they should have had better coverage. Your strategy should be to buy enough coverage at a price you can afford and still be able to protect your assets.

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