Cheaper 2001 Chevrolet Cavalier Insurance Quotes

Looking for the cheapest car insurance rates? Shoppers have options when shopping for the lowest priced Chevy Cavalier insurance. They can either waste time calling around to get rate comparisons or leverage the internet to get rate quotes. There is a right way and a wrong way to shop for car insurance and we’ll show you the proper way to price shop coverage for a Chevy and get the best price possible.

If you are insured now or are just looking to switch companies, you can use these tips to cut your premiums and possibly find even better coverage. The purpose of this article is to tell you how to get online quotes and some tips to save money. Drivers just need to learn how to shop for auto insurance on the web.

How to get the cheapest car insurance

All the larger car insurance companies allow consumers to get prices for coverage direct online. Getting online quotes can be done by anyone because it’s just a matter of typing in your personal and coverage information on the page. After you complete the form, their rating system orders your driving and credit reports and generates a price based on these and other factors.

This streamlines rate comparisons, but the time it takes to visit several different sites and enter the same data into a form gets old quite quickly. But it is imperative to have as many quotes as possible if you want to find better prices.

The easiest way to find better car insurance pricing is to use a quote form that gets price quotes from a lot of companies. This type of form saves time, requires much less work on your part, and makes comparison shopping much easier to do. After sending the form, your coverage is rated and you can choose any or none of the quotes that you receive. If the quotes result in lower rates, you simply finish the application and purchase coverage. It takes less than 15 minutes and may result in a nice savings.

To save time and fill out one form to compare multiple rates now, click here and fill out the form. If you have coverage now, it’s recommended you type in the coverage information as shown on your current policy. Using the same limits helps guarantee you will have rate quotes for exact coverage.

Drivers can save with these money-saving discounts

Car insurance is neither fun to buy or cheap, but there are discounts available to cut the cost considerably. Some of these disounts will be visible at the time of quoting, but a few must be inquired about before they will apply.

  • Sign Online – A few companies give back up to $50 for completing your application digitally online.
  • No Claims – Drivers who don’t have accidents pay less when compared with drivers with a long claim history.
  • One Accident Forgiven – Not a discount per se, but certain companies permit an accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Distant Student – Youth drivers living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Full Payment Discount – If paying your policy premium upfront rather than spreading payments over time you can actually save on your bill.
  • Good Student – A discount for being a good student may save as much as 25% on a insurance quote. The good student discount can last well after school through age 25.
  • Theft Prevention System – Cars, trucks, and SUVs with anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.

As a sidenote, many deductions do not apply to the entire cost. Most only apply to specific coverage prices like collision or personal injury protection. Just because you may think all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A list of companies and some of the discounts can be read below.

  • State Farm has savings for good driver, passive restraint, student away at school, safe vehicle, and Drive Safe & Save.
  • Progressive may have discounts that include continuous coverage, multi-vehicle, homeowner, multi-policy, online quote discount, good student, and online signing.
  • Progressive discounts include multi-policy, multi-vehicle, good student, homeowner, and online signing.
  • MetLife policyholders can earn discounts including good driver, multi-policy, good student, accident-free, and defensive driver.
  • Farm Bureau may offer discounts for multi-vehicle, renewal discount, 55 and retired, driver training, good student, multi-policy, and youthful driver.
  • GEICO has discounts for military active duty, emergency military deployment, air bags, membership and employees, and multi-vehicle.
  • SAFECO offers premium reductions for teen safe driver, anti-theft, teen safety rewards, accident prevention training, homeowner, and drive less.

Before buying, ask all the companies which discounts they offer. Some credits may not apply to policyholders in your area. To choose insurance companies offering car insurance discounts, click this link.

How you can control Chevy Cavalier insurance rates

When buying insurance it’s important to understand a few of the rating criteria that go into determining your policy premiums. When consumers understand what positively or negatively impacts your premiums, this enables informed choices that could result in lower premium levels. Many factors are part of the calculation when you get a price on insurance. Some of the criteria are obvious such as your driving history, but other factors are less obvious such as whether you are married or how safe your car is.

  • Save money by raising physical damage deductibles – Your deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Physical damage protection, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of covered claims are rearending another vehicle, animal collisions, and having a roll-over accident. The higher the amount the insured has to pay upfront, the lower your rates will be for Cavalier insurance.
  • Responsible drivers pay less – Drivers with clean records pay less for auto insurance than people who have multiple driving citations. Only having one chargable violation could increase your next policy renewal by as much as twenty percent. Drivers who get dangerous tickets such as DUI or reckless driving may be required to file a SR-22 with their state motor vehicle department in order to legally drive.
  • How much liability insurance do you need? – Liability insurance will provide protection in the event that you are determined to be liable for causing damage or personal injury in an accident. It provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so do not cut corners here.
  • Premiums are high for teenagers – More experienced drivers have been proven to be more responsible, file fewer claims and get fewer tickets.Teenage drivers have a tendency to be inattentive with other occupants in the car so insurance rates are higher.
  • Know your vehicle’s NHTSA crash test rating – Cars with high safety ratings are cheaper to insure. Safer cars have better occupant injury protection and fewer injuries means lower claim amounts and lower rates for you.
  • Save money by having multiple policies – The majority of insurers allow discounts to clients that buy multiple policies in the form of a multi-policy discount. This can amount to ten or even fifteen percent. Even if you qualify for this discount already, it’s in your best interest to compare other company rates to confirm you are receiving the best rates possible. You may still save money by buying insurance from a different company.
  • Gender matters – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. Both genders tend to get into at-fault accidents at a similar rate, but the men get into accidents with more damage. Not only are claims higher, but men get more serious tickets such as reckless driving.

Do I need special coverages?

When buying the best insurance coverage coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions might help in determining whether you might need professional guidance.

  • Why does it cost so much to insure a teen driver?
  • When would I need additional glass coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I have coverage for damage caused while driving under the influence?
  • Is rental equipment covered for theft or damage?
  • Is my custom paint covered by insurance?
  • Can I rent a car in Mexico?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Save $387 a year. For real?

Consumers can’t escape the ads for cheaper car insurance by companies like GEICO, State Farm and Progressive. All the companies advertise the message that you’ll save big just by switching your car insurance coverage to their company.

How is it plausible that every one can sell you cheaper insurance coverage? This is the way they can do it.

Many companies give the best rates for the type of customer that will be a good risk. For instance, a desirable insured may be married and over the age of 30, has a low-risk occupation, and has great credit. A driver who matches those parameters is entitled to the best price and will pay quite a bit less when switching companies.

Potential insureds who don’t qualify for those criteria will have to pay a higher premium and this can result in the driver buying from a lower-cost company. The ads say “drivers who switch” not “all people who quote” can save as much as they claim. This is how insurance companies can confidently lure you into getting a quote. Because of the profiling, drivers must compare quotes as often as possible. It’s just too difficult to predict with any certainty which company will provide the lowest rates.

Specific coverage details

Knowing the specifics of your policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like theft, hail damage and a broken windshield. The highest amount a insurance company will pay at claim time 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.

Auto liability

Liability insurance will cover damage or injury you incur to a person or their property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as repair bills for other people’s vehicles, medical expenses and court costs. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Insurance for medical payments

Med pay and PIP coverage provide coverage for expenses for chiropractic care, rehabilitation expenses, funeral costs, pain medications and surgery. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Coverage for collisions

This coverage covers damage to your Cavalier from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a parking meter, rolling your car, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Cavalier.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Best coverage at the best price

Discount 2001 Chevy Cavalier insurance can be sourced both online as well as from insurance agents, and you should be comparing both in order to have the best chance of saving money. Some companies may not have online quoting and most of the time these smaller providers work with independent agents.

When buying insurance coverage, do not sacrifice coverage to reduce premiums. There have been many situations where an insured cut physical damage coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at the lowest possible cost.

In this article, we covered some good ideas how you can lower your 2001 Chevy Cavalier insurance rates. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even find the best rates are with a small local company.

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