Lower Your 2000 Chevrolet Cavalier Car Insurance Quotes

Want cheaper car insurance rates? Drivers have a choice when trying to find low-cost Chevy Cavalier insurance. You can either waste hours struggling with agents to get rate comparisons or use the internet to get rate quotes. There is a right way and a wrong way to find car insurance online and you need to know the best way to quote coverages for a Chevy and find the cheapest rates.

Chevy Cavalier insurance cost factors

It’s important that you understand the rating factors that help calculate your policy premiums. If you understand what determines base rates, this enables informed choices that could result in much lower annual insurance costs.

Shown below are just a few of the factors utilized by car insurance companies to help set premiums.

  • Adjust physical damage deductibles and save – Physical damage insurance, also called ‘full coverage’, covers damage that occurs to your Chevy. Examples of covered claims are running into the backend of another car, hitting a deer, and rolling your vehicle. The deductibles you choose represent how much money you are willing to pay out-of-pocket if the claim is covered. The more of the claim you pay before a claim is paid (deductible), the bigger discount you will receive on Cavalier insurance.
  • Cars with good safety ratings cost less to insure – Safer cars tend to have better insurance rates. These vehicles reduce occupant injuries and lower injury rates means lower claim amounts which can result in lower premiums. If the Chevy Cavalier is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.
  • More than one policy can earn a discount – Lots of insurance companies apply lower prices for people that buy multiple policies such as combining an auto and homeowners policy. Even though this discount sounds good, it’s in your best interest to check prices from other companies to help guarantee you have the best rates.
  • Do you really need the extra coverages? – There are a lot of extra coverages that you can get tricked into buying if you aren’t careful. Coverages for personal injury protection, towing coverage, and Farm Bureau memberships could be just wasting money. These may sound like a good investment when buying your policy, but if you have no use for them remove them from your policy.
  • File a policy claims and pay more – If you are the type of insured that files lots of claims you can pretty much guarantee either policy cancellation or increased premiums. Insurance companies award lower rates to people who file claims infrequently. Your car insurance is intended to be relied upon for larger claims.
  • Lower insurance rates with GPS tracking and theft deterrents – Owning a car with an alarm system can help lower your rates. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms all help prevent car theft.
  • Get married and pay lower costs – Getting married may save some money on your insurance bill. Marriage means you’re more mature and responsible and it’s statistically proven that married drivers tend to have fewer serious accidents.
  • Your vocation is a factor – Careers such as judges, social workers and stock brokers generally have higher average rates in part from intense work situations and lengthy work days. On the other hand, careers like professors, historians and the unemployed get better rates on Cavalier insurance.

Take advantage of every auto insurance discount

Insurance can cost an arm and a leg, but there are discounts available that can help lower your rates. Some discounts apply automatically at the time you complete a quote, but less common discounts must be inquired about before they will apply.

  • Discount for Low Mileage – Driving less may allow you to get cheaper auto insurancerates.
  • Drive Safe and Save – Safe drivers may save up to 50% more on Cavalier insurance compared to accident prone drivers.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn better auto insurancerates if you take out some life insurance too.
  • Homeowners Savings – Being a homeowner can save you money due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • No Claims – Good drivers with no accidents pay less in comparison to bad drivers.
  • Student Discounts – This discount may save as much as 25% on a car insurance quote. The discount lasts up until you turn 25.

As a disclaimer on discounts, most discounts do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though you would think you would end up receiving a 100% discount, that’s just not realistic.

If you would like to view insurers who offer online auto insurance quotes, follow this link.

Insurance advertising tricks

Drivers can’t ignore all the ads that promise big savings for switching by Progressive, Allstate and GEICO. They all seem to make the point about savings if you change your car insurance policy to them.

How do they all offer drivers better rates? It’s all in the numbers.

Car insurance companies have specific guidelines for the type of driver that will generate a profit. A good example of a profitable customer may need to be a married male, has other policies, and has great credit. Any driver who matches those parameters will probably get the lowest premium rates and therefore will save if they switch.

Potential customers who do not match the requirements may be forced to pay more expensive rates and the customer buying from a different company. The ads say “people who switch” not “everybody who quotes” save that much when switching. That’s the way insurance companies can confidently make claims like that. This illustrates why you really should get car insurance quotes as often as possible. It’s not possible to predict which car insurance company will have the lowest rates.

How to know if you need help

When it comes to choosing coverage, there really is no cookie cutter policy. Every situation is different.

For instance, these questions can aid in determining if your situation would benefit from an agent’s advice.

  • What are the financial responsibility laws in my state?
  • What is the minimum liability in my state?
  • Why am I required to buy liability insurance?
  • How high should my uninsured/underinsured coverage be in my state?
  • Can my teen driver be rated on a liability-only vehicle?
  • Are my tools covered if they get stolen from my vehicle?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Information about specific coverages

Knowing the specifics of auto insurance can help you determine appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Cavalier.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Collision coverages – This will pay to fix damage to your Cavalier 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 coverage protects against things like crashing into a building, hitting a mailbox, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability – Liability coverage can cover injuries or damage you cause to people or other property that is your fault. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like repair costs for stationary objects, structural damage and emergency aid. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as fire damage, falling objects and damage from flooding. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like doctor visits, prosthetic devices and dental work. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Summing up your insurance search

A few companies may not provide online quoting and these regional carriers only sell through independent insurance agencies. Budget-friendly insurance is possible from both online companies and with local insurance agents, so you should compare both to get a complete price analysis.

As you shop your coverage around, do not buy poor coverage just to save money. There have been many situations where someone dropped comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. Your goal is to purchase a proper amount of coverage at the best cost, but do not sacrifice coverage to save money.

Throughout this article, we presented quite a bit of information on how to reduce 2000 Chevy Cavalier insurance car insurance rates online. The most important thing to understand is the more price quotes you have, the higher your chance of finding cheaper car insurance. Consumers could even find that the most savings is with a small mutual company.

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