1995 Chevrolet Cavalier Insurance Quotes – 8 Ways to Save

Having to pay for overpriced Chevrolet Cavalier insurance can overdraw your personal savings and put a big crunch on your finances. Comparing price quotes is free and is an excellent way to help make ends meet. Companies like Geico and Progressive all claim big savings with advertising and it is challenging if not impossible to separate fact from fiction and do the work needed to find the best deal.

Discounts are great for lower rates

Companies don’t always list every available discount in a way that’s easy to find, so here is a list some of the best known and the more hidden insurance savings. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Accident Waiver – Certain companies allow you one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Sign Online – Some insurance companies will give a small break for buying your policy on their website.
  • Good Student – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off for Cavalier coverage depending on your company.
  • Driver’s Ed – Have your child successfully complete driver’s ed class in school.
  • Homeowners Discount – Simply owning a home can save you money because maintaining a house requires personal responsibility.
  • Claim Free – Drivers who don’t have accidents pay much less compared to drivers who are more careless.

Keep in mind that most credits do not apply to all coverage premiums. Most cut the price of certain insurance coverages like comp or med pay. So when it seems like you could get a free insurance policy, you’re out of luck.

A partial list of companies who might offer these money-saving discounts include:

Double check with all companies you are considering how you can save money. All car insurance discounts might not apply in your state.

Comparison of Car Insurance

Reducing your 1995 Chevy Cavalier insurance rates can be relatively painless. You just need to spend a little time getting comparison quotes online from several insurance companies. This is very easy and can be done using a couple different methods.

  • The first (and easiest) way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do multiple quote forms to each individual car insurance company. Taking the time to complete one form gets rate comparisons from multiple companies.
  • A more time consuming way to find lower rates consists of visiting the website for each individual company and fill out their own quote form. For sake of this example, we’ll assume you want to compare rates from Progressive, 21st Century and State Farm. To get rate quotes you would need to go to every website and enter your policy data, and that’s why the first method is more popular.

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

  • The least recommended method to get comparison rates is driving to insurance agents’ offices. Shopping for car insurance online has reduced the need for local agents unless you want the trained guidance only provided by licensed agents. Drivers can price shop online but still have the advice of a local agent and we’ll cover that in a bit.

Whichever way you use, make darn sure you compare identical deductibles and coverage limits with each company. If you use different values for each quote it will be next to impossible to make an equal comparison.

You may need specialized coverage

When buying the right insurance coverage, there is no one size fits all plan. Everyone’s situation is unique so this has to be addressed. For instance, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Can I afford to buy a different vehicle if my 1995 Chevy Cavalier is totaled?
  • Does my insurance cover my expensive audio equipment?
  • Does medical payments coverage apply to all occupants?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is UM/UIM insurance?
  • How do I insure my teen driver?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and may give you better protection.

Car insurance coverage options for a Chevy Cavalier

Having a good grasp of your policy helps when choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types offered by car insurance companies.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like funeral costs, ambulance fees and nursing services. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

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

Collision insurance covers things such as backing into a parked car, damaging your car on a curb, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Auto liability insurance – Liability coverage provides protection from injuries or damage you cause to a person or their property that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as court costs, attorney fees, medical expenses, pain and suffering and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive car insurance – This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, fire damage and a tree branch falling on your vehicle. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Chevy Cavalier.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Do the work, save more money

When trying to cut insurance costs, never reduce coverage to reduce premium. In many cases, an insured dropped liability limits or collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your strategy should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Affordable 1995 Chevy Cavalier insurance can be bought online in addition to many insurance agents, and you should be comparing both to get a complete price analysis. Some car insurance companies do not provide online price quotes and these small insurance companies work with independent agents.

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