Compare 1991 Chevrolet Cavalier Insurance Rates

Scraping up a payment for overpriced Chevrolet Cavalier insurance can drain your bank account, especially in this economy. Doing a price comparison is a smart way to tighten up your finances.

With so many options when it comes to auto insurance, it can be impossible to find the cheapest insurer.

The purpose of this article is to familiarize you with the best way to quote coverages and some money-saving tips. If you currently have a car insurance policy, you will most likely be able to save some money using these methods. Nevertheless, consumers do need to understand the way insurance companies sell insurance online and apply this information to your search.

Don’t overlook these discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not know about. Certain discounts will be triggered automatically at the time of purchase, but some may not be applied and must be requested specifically in order for you to get them.

  • More Vehicles More Savings – Having multiple cars or trucks with the same company can get a discount on all vehicles.
  • Federal Government Employee – Active or retired federal employment could cut as much as 10% off for Cavalier coverage with a few insurance companies.
  • Accident Free – Claim-free drivers can earn big discounts when compared with frequent claim filers.
  • Bundle and Save – When you combine your home and auto insurance with the same company you will save up to 20% off your total premium.
  • Student Driver Training – Have your child complete a driver education course if offered at their school.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Clubs and Organizations – Affiliation with certain professional organizations could trigger savings on insurance for Cavalier coverage.
  • College Student – Children who are attending college and don’t have a car may be able to be covered for less.
  • Sign Online – A handful of insurance companies may give you up to $50 just for signing your application digitally online.

Consumers should know that some of the credits will not apply to all coverage premiums. Most only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky. Any amount of discount will bring down the cost of coverage.

A partial list of companies that possibly offer these benefits are:

Check with all companies you are considering which discounts they offer. Discounts may not apply everywhere.

Chevy Cavalier insurance rates consist of many parts

Smart consumers have a good feel for the different types of things that help determine the rates you pay for auto insurance. When you know what positively or negatively influences your rates enables informed choices that could result in lower auto insurance prices.

The following are some of the items auto insurance companies consider when setting premiums.

  • Do you need the policy add-ons? – There are many extra coverages that you can buy on your Cavalier policy. Things like personal injury protection, towing coverage and motor club memberships are examples of these. These may sound like a good investment initially, but if you don’t need them remove them from your policy.
  • Rates may be lower depending on your job – Occupations like real estate brokers, business owners and stock brokers have the highest rates because of stressful work requirements and long work hours. On the other hand, professions such as scientists, students and the unemployed get better rates for Cavalier coverage.
  • Never let your coverage lapse – Driving without insurance is against the law and you will pay a penalty because you let your coverage lapse. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.You may then be required to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Consolidate policies to earn discounts – Many insurance companies will give a discount to insureds who buy several policies from them in the form of a multi-policy discount. Even with this discount, it’s still a good idea to shop around to verify if the discount is saving money.
  • Lower miles equals lower premium – The more you drive in a year’s time the more you will pay for auto insurance. Most companies apply a rate determined by how the vehicle is used. Cars used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Improper usage on your Cavalier can cost quite a bit. Double check that your auto insurance policy is rated on the correct driver usage.
  • Do you know you’re credit rating? – Your credit history is a important factor in calculating your auto insurance rates. Therefore, if your credit history is not that good, you could be paying less to insure your 1991 Chevrolet Cavalier by improving your credit score. Consumers who have high credit scores tend to be less risk to insure than drivers who have lower credit scores.
  • Claim-free discounts can add up – If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance companies give discounts to insureds who are claim-free. Auto insurance is intended for major claims that would cause financial hardship.
  • Tickets mean higher rates – Only having one speeding ticket can bump up the cost by as much as thirty percent. Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Drivers with flagrant tickets such as DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.

Is my situation unique?

When it comes to buying the best insurance coverage coverage, there is no “perfect” insurance plan. Each situation is unique and your policy should reflect that. For instance, these questions can help discover if you might need an agent’s assistance.

  • Does my liability insurance cover pulling a trailer or camper?
  • Should I rate my 1991 Chevy Cavalier as pleasure use or commute?
  • Do I need replacement cost coverage?
  • How can I get my company to pay me more for my totalled car?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does my car insurance cover rental cars?
  • Is rental equipment covered for theft or damage?
  • What should my uninsured motorist coverage limits be in my state?
  • When should my teen driver be added to my policy?

If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Parts of your insurance policy

Understanding the coverages of your policy can help you determine which coverages you need for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like dental work, nursing services, hospital visits, funeral costs and doctor visits. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Auto liability

This can cover injuries or damage you cause to other people or property in an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as repair bills for other people’s vehicles, medical expenses, court costs, emergency aid and loss of income. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Comprehensive coverage

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like falling objects, damage from a tornado or hurricane, damage from getting keyed and hitting a deer. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This provides protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Chevy Cavalier.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits are set the same as your liablity limits.

Collision protection

Collision insurance will pay to fix damage to your Cavalier from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with another moving vehicle, rolling your car, driving through your garage door, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Saving money makes a lot of cents

As you shop your coverage around, do not reduce coverage to reduce premium. In too many instances, someone sacrificed liability limits or collision coverage only to find out they didn’t have enough coverage. Your goal should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

Cost effective 1991 Chevy Cavalier insurance is definitely available online and with local insurance agents, and you should be comparing both to get a complete price analysis. Some insurance providers do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

We’ve covered some good ideas how you can get a better price on insurance. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. You may even find the lowest rates come from the least-expected company. These companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate, Geico and Progressive.

Much more information about auto insurance can be found on the following sites: