Save on 1993 Chevrolet Cavalier Insurance Quotes

I can’t think of a single person who likes having to buy auto insurance, especially knowing the cost is too high. Many insurers vie for your business, and it can be difficult to compare rates to find the absolute lowest cost out there.

Consumers should take time to do rate comparisons quite often because rates change regularly. Even if you think you had the best rates on Cavalier coverage six months ago the chances are good that you can find a lower rate today. So just forget anything you know (or think you know) about auto insurance because I’m going to teach you how to use online quotes to lower your annual insurance bill.

How to Compare Auto Insurance

There are multiple methods to shop for 1993 Chevy Cavalier auto insurance, but one way is easier and takes less work. You could spend the better part of a day talking to insurance companies in your area, or you can stay home and use online quoting to achieve your goal.

Many popular insurance companies belong to an insurance system where insurance shoppers submit their information once, and at least one company provides a quote determined by their information. This eliminates the need for form submissions to each company.

To compare 1993 Chevy Cavalier rates now click here to start a free quote.

One minor caviat to using this type of form is you can’t choose which companies to get quotes from. If you would rather choose from a list of companies to receive pricing from, we have a page of companies who write auto insurance in your area. Click to view list.

Which method you use is up to you, but be sure to compare apples-to-apples coverages for each price quote. If your comparisons have higher or lower deductibles you can’t possibly determine which rate is truly the best.

Policy discounts you shouldn’t miss

Auto insurance companies do not list all available discounts very clearly, so we break down some of the best known and the harder-to-find discounts you could be receiving. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Clubs and Organizations – Participating in a civic or occupational organization could qualify you for a break on insurance on Cavalier coverage.
  • Discount for Swiching Early – A few companies offer discounts for buying a policy before your current expiration date. The savings is around 10%.
  • Bundle and Save – When you combine your home and auto insurance with the same company you could get a discount of 10% to 20% off each policy.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Claim Free – Claim-free drivers can save substantially compared to bad drivers.
  • Save with a New Car – Insuring a new car can be considerably cheaper compared to insuring an older model.

As a disclaimer on discounts, some credits don’t apply to the entire cost. Most only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way.

Car insurance companies that possibly offer these discounts include:

Before buying, ask each company how you can save money. Savings might not be offered everywhere.

Insurance agents can help

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Every situation is different and your policy should reflect that. For example, these questions might help in determining whether your personal situation might need professional guidance.

  • Why am I required to get a high-risk car insurance policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I have any recourse if my insurance company denies a claim?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is rental equipment covered for theft or damage?
  • Do I need PIP (personal injury protection) coverage in my state?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Car insurance coverage basics

Understanding the coverages of your car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by car insurance companies.

Coverage for collisions

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

Collision coverage protects against things like backing into a parked car, damaging your car on a curb, crashing into a ditch, colliding with a tree and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability insurance

This can cover damage that occurs to a person or their property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like structural damage, bail bonds, repair costs for stationary objects, court costs and funeral expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants 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 is very important.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses like prosthetic devices, rehabilitation expenses, hospital visits and dental work. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from a tornado or hurricane, fire damage, damage from flooding and vandalism. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Take this to the bank

Discount 1993 Chevy Cavalier insurance can be sourced online in addition to many insurance agents, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who do not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

We just showed you quite a bit of information on how to save on insurance. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers may even find the lowest premiums are with some of the smallest insurance companies. They may often insure only within specific states and give getter rates compared to the large companies like State Farm, Geico and Nationwide.

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