Comparison shopping for cheap Driverscar insurance may be quite difficult for drivers new to quoting and comparing prices online. With such a big selection of agents and online companies, it can quickly become a real difficult job to find the best rates.
It’s a great practice to do rate comparisons at least once a year since prices go up and down regularly. Even if you think you had the best price on Cavalier coverage a couple years back there is a good chance you can find better rates now. Ignore everything you know about car insurance because I’m going to teach you one of the quickest ways to reduce your cost while increasing coverage.
To find the best auto insurance rates, there are several ways of comparing price quotes from all the different companies. The quickest method to compare 1999 Chevy Cavalier insurance prices consists of obtaining rate quotes online. This can be done using a couple different methods.
Hands down the most simple method to find low rates is an all-inclusive rate comparison click to view form in new window. This method keeps you from doing separate quotes for each price estimate. In just a few minutes this one form will return price quotes from multiple low-cost companies.It’s the quickest way to get rates.
A less efficient way to find more affordable insurance consists of visiting each individual company website and fill out a new quote form. For sake of this example, let’s say you need rates from Farmers, Esurance and GEICO. In order to compare rates, you need to take the time to go to each site and punch in your information repeatedly, which can take a lot of time.
For a list of links to insurance companies in your area, click here.
The method you choose is up to you, but ensure you are comparing the exact same information with every price quote. If your comparisons have different values for each quote then you won’t be able to determine the best price for your Chevy Cavalier. Just a small difference in insurance coverages could skew the results. Keep in mind that comparing more rates from different companies will enable you to find the best price. Not every company allows you to get quotes online, so it’s important to compare prices on coverage from those companies, too.
Some providers don’t necessarily list all possible discounts in a way that’s easy to find, so we took the time to find both well-publicized and also the lesser-known credits available to you.
A little disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most only apply to specific coverage prices like comp or med pay. Just because it seems like you can get free auto insurance, companies don’t profit that way. Any qualifying discounts should definitely cut the cost of your policy.
Insurance companies that may offer quotes with most of these discounts may include but are not limited to:
If you need cheaper auto insurance quotes, ask every insurance company which discounts can lower your rates. Some discounts may not apply in your area. If you would like to see a list of companies that have a full spectrum of discounts, click here.
When choosing coverage for your personal vehicles, there is no best way to insure your cars. Every situation is different.
For example, these questions may help you determine if your situation might need an agent’s assistance.
If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, complete this form.
Understanding the coverages of your policy can help you determine the right coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.
Coverage for medical expenses – Med pay and PIP coverage provide coverage for immediate expenses such as chiropractic care, dental work and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
Liability auto insurance – This will cover injuries or damage you cause to other people or property in an accident. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.
Liability can pay for claims like medical services, loss of income and legal defense fees. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.
Coverage for uninsured or underinsured drivers – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.
Comprehensive car insurance – This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like hitting a deer, vandalism and falling objects. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for claims such as scraping a guard rail, sustaining damage from a pot hole, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.