Compare 2002 Chevrolet Cavalier Insurance Rates

Drivers have options when trying to find affordable Chevy Cavalier insurance. You can either waste hours driving around to get rate comparisons or leverage the internet to compare rates. There is a right way and a wrong way to compare car insurance rates and you need to know the absolute fastest way to quote coverages on a Chevy and get the cheapest rates.

If you have a policy now or are shopping for new coverage, you will benefit by learning to shop for the lowest rates while maximizing coverage. This article will tell you the best way to quote coverages. Consumers just need to learn the proper way to buy insurance online.

How to get free auto insurance quotes online

Getting a cheap price on 2002 Chevy Cavalier insurance is a great way to save money. All you need to do is invest a little time to compare rate quotes from different insurance companies. It is quite easy and can be accomplished in several different ways.

The simplest way to find low rates is to use a rate comparison form (click to open form in new window). This method keeps you from doing separate forms for each company. One quote request will return quotes direct from many companies. Just one form and you’re done.

A more difficult way to compare rate quotes requires a trip to the website for every company you want to comare and repeat the quote process again and again. For sake of this example, let’s say you want comparison quotes from USAA, GEICO and American Family. To get rate quotes you would need to go to each individual site and enter your information, which is why most consumers use the first method.

For a handy list of car insurance company links in your area, click here.

You can use whichever method you prefer to find lower rates, just try to use exactly the same coverages for each quote you get. If you enter different limits and deductibles on each one it will be nearly impossible to make a fair rate comparison.

Can you really save $438 a year?

Consumers can’t avoid all the ads that promise big savings by companies like Progressive, GEICO, Allstate and State Farm. They all convey the message that you’ll save big if you move your policy.

How do they all make almost identical claims? It’s all in the words they use.

Insurance companies have an ideal profile for the type of driver that earns them a profit. One example of a profitable customer may need to be over the age of 50, insures multiple vehicles, and drives a lower-performance vehicle. Any person that meets those criteria receives the best car insurance rates and is almost guaranteed to cut their rates if they switch.

People who are not a match for these standards will probably be forced to pay more expensive rates which leads to the customer not buying. If you pay close attention to the ads, they say “people that switch” not “everyone who quotes” save that much when switching. That is how insurance companies can confidently make it sound like they have such great premium rates. Different companies use different criteria so you should get price quotes at each policy renewal. It’s just not possible to know which insurance companies will have the lowest car insurance rates for your situation.

Chevy Cavalier insurance rate factors

One of the most helpful ways to save on insurance is to to have a grasp of the rating factors that come into play when calculating the level of your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this helps enable you to make changes that can earn you better insurance rates.

Listed below are a partial list of the pieces that factor into your rates.

  • Responsible drivers pay lower premiums – Your driving citation history impacts your car insurance rates tremendously. Having just one speeding ticket can increase the cost of insurance substantially. Careful drivers get better prices compared to bad drivers. People who have license-revoking tickets like hit and run, DWI or reckless driving convictions might be required by their state to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to legally drive.
  • Where you live can influence prices – Having an address in areas with lower population is a good thing when trying to find low car insurance rates. Fewer drivers and short commutes corresponds to lower accident rates as well as less vandalism and auto theft. Urban drivers have to deal with much more traffic and higher rates of accident claims. More time commuting means higher likelihood of an accident.
  • Bad credit hurts insurance premiums – Having a bad credit score can be a huge factor in determining what you pay for insurance. If your credit score is lower than you’d like, you could be paying less to insure your 2002 Chevrolet Cavalier if you improve your credit rating. Drivers with high credit scores tend to file fewer claims and have better driving records than those with lower credit ratings.
  • Limits of liability coverage – Your policy’s liability coverage is the coverage that protects you when you are ruled to be at fault for physical damage or personal injury to other. Your policy’s liability insurance provides for a legal defense starting from day one. It is affordable coverage compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • Better rates on safer cars – Cars with five star safety ratings get lower rates. These vehicles result in less severe injuries and lower rates of occupant injuries means less claims paid which can mean better rates for you.
  • Compare rates if you combine your policies – Some insurance companies provide discounts to buyers who consolidate policies with them. It’s known as a multi-policy discount. Even if you already get this discount, consumers should still check prices from other companies to make sure you are getting the best deal.
  • Small coverages can add up – There are a lot of add-on coverages that may not really be needed on your 2002 Cavalier policy. Things like rental car coverage, death and dismemberment, and Farm Bureau memberships could be just wasting money. These may sound like a good investment when discussing your needs, but if you don’t need them consider taking them off your policy.

Do you qualify for discounts?

Insurance is neither fun to buy or cheap, but you may be missing some discounts to help offset the cost. Some of these disounts will be visible when you purchase, but some must be specifically requested before you get the savings. If you aren’t receiving every discount possible, you are throwing money away.

  • Driver Education Discount – Have your child successfully complete driver’s ed class if it’s offered in school.
  • One Accident Forgiven – Not necessarily a discount, but a handful of insurance companies will let one accident slide before they charge you more for coverage if you have no claims before the accident.
  • Pay Early and Save – By paying your entire bill at once instead of making monthly payments you may have a lower total premium amount.
  • Onboard Data Collection – Drivers that enable their insurance company to study driving habits remotely such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if they exhibit good driving behavior.
  • Responsible Drivers – Drivers who don’t get into accidents may receive a discount up to 45% on Cavalier coverage than drivers with accidents.

One thing to note about discounts is that most discounts do not apply the the whole policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, insurance companies wouldn’t stay in business. But all discounts will positively reduce your overall bill.

Larger insurance companies and a partial list of their discounts are outlined below.

  • State Farm includes discounts for safe vehicle, passive restraint, defensive driving training, multiple policy, and student away at school.
  • Progressive offers premium reductions for good student, homeowner, online quote discount, online signing, and multi-policy.
  • Progressive policyholders can earn discounts including online signing, online quote discount, good student, multi-policy, and continuous coverage.
  • MetLife discounts include defensive driver, accident-free, good student, multi-policy, claim-free, and good driver.
  • Farm Bureau may include discounts for safe driver, 55 and retired, driver training, renewal discount, multi-policy, youthful driver, and good student.
  • GEICO offers discounts including multi-policy, federal employee, anti-lock brakes, daytime running lights, emergency military deployment, and membership and employees.
  • SAFECO has discounts for safe driver, anti-theft, bundle discounts, accident prevention training, and anti-lock brakes.

If you are trying to find cheaper car insurance quotes, ask each company or agent which discounts they offer. Depending on the company, some discounts may not be available everywhere. To find insurance companies that offer discounts, follow this link.

Don’t assume everyone needs the same insurance coverage coverage

When buying adequate coverage, there isn’t really a one size fits all plan. Every insured’s situation is different.

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

  • Does liability extend to a camper or trailer?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Should I carry comprehensive and collision coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need roadside assistance coverage?
  • Does coverage extend to Mexico or Canada?
  • Am I covered if I break a side mirror?
  • What happens if I owe more than my 2002 Chevy Cavalier is worth?
  • Should I buy full coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Auto insurance 101

Learning about specific coverages of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy.

Liability auto insurance

Liability coverage will cover damage or injury you incur to a person or their property that is your fault. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers claims like loss of income, funeral expenses, repair costs for stationary objects and structural damage. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like falling objects, damage from a tornado or hurricane, damage from getting keyed, fire damage and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage

This provides protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a mailbox, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like surgery, dental work and doctor visits. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

At the end of the day…

Insureds change insurance companies for a number of reasons such as lack of trust in their agent, extreme rates for teen drivers, policy non-renewal and even unfair underwriting practices. Regardless of your reason for switching companies, finding the right auto insurance provider can be easier than you think.

As you quote car insurance, don’t be tempted to skimp on coverage in order to save money. In many cases, someone sacrificed liability coverage limits only to discover later that the savings was not a smart move. The goal is to buy a smart amount of coverage at a price you can afford but still have enough coverage for asset protection.

You just read quite a bit of information on how to compare 2002 Chevy Cavalier insurance prices online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the best prices are with a company that doesn’t do a lot of advertising.

Additional detailed information can be found by following these links: