How Much Does 1997 Chevrolet Cavalier Car Insurance Cost?

Trying to find cheaper car insurance rates for your Chevrolet Cavalier? Searching for cheaper insurance for a new or used Chevy Cavalier can normally be a painful process, but you can learn a few tricks to make it easier.

There are both good and bad ways to shop for car insurance so we’re going to tell you the proper way to quote coverages for a new or used Chevy and locate the lowest price either online or from local insurance agents.

Consumers need to take a look at other company’s rates once or twice a year since rates are usually higher with each renewal. Just because you had the best deal for Cavalier insurance two years ago you may be paying too much now. You’ll find quite a bit of inaccurate information about car insurance on the web, but with this article, you’re going to get a lot of great tips on how to buy car insurance cheaper.

Cut your premium with discounts

The price of auto insurance can be rather high, but companies offer discounts that many people don’t even know exist. A few discounts will automatically apply at the time you complete a quote, but some may not be applied and must be specially asked for before being credited. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • New Vehicle Savings – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less for Cavalier insurance than their less cautious counterparts.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Student in College – Children who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Homeowners Savings – Owning a house may trigger a insurance policy discount due to the fact that maintaining a home shows financial diligence.

It’s important to understand that most of the big mark downs will not be given to the entire cost. Some only apply to individual premiums such as comp or med pay. Even though it may seem like you can get free auto insurance, insurance companies aren’t that generous. But any discount will bring down your overall premium however.

Insurance companies that may have these discounts may include but are not limited to:

Check with each insurance company which discounts you may be entitled to. Some discounts might not apply in your area.

Car Insurance Prices

Performing a rate comparison is a ton of work if you don’t understand the fastest way to get free quotes. You can spend countless hours driving to insurance companies in your area, or you could use the internet to quickly compare rates.

Most major companies participate in a marketplace that enables customers to submit one quote, and each company returns a rated price. This system prevents you from having to do quote forms to each individual car insurance company.

To submit your quote information now, click here to open in new window.

The only drawback to doing it this way is you can’t choose which providers you want pricing from. So if you prefer to choose specific insurance companies to compare, we have assembled a list of car insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just be sure to compare identical deductibles and coverage limits with each company. If you enter differing limits you can’t possibly truly determine the lowest rate.

Impacting insurance rates for a Chevy Cavalier

It’s important that you understand the rating factors that help determine the rates you pay for insurance. Knowing what impacts premium levels enables informed choices that can help you get lower insurance prices.

  • Liability coverage protects you – Your policy’s liability coverage is the coverage that protects you if you are found liable for damages from an accident. It provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
  • Lower rates come with age – More mature drivers tend to be more responsible, tend to cause fewer accidents and receive fewer citations. Youthful drivers are statistically proven to be more careless when driving and because of this, their insurance rates are much higher.
  • Rates may be lower depending on your job – Occupations like lawyers, executives and stock brokers are shown to have the highest rates due to high stress levels and lengthy work days. On the other hand, professions such as pilots, students and the unemployed pay the least for Cavalier insurance.
  • Do you need those extra coverages? – There are many extra bells and whistles that can waste your money when buying insurance. Coverages for vanishing deductibles, accident forgiveness and term life insurance are some examples. They may seem like a good idea when talking to your agent, but if they’re wasting money eliminate them to save money.
  • Allowing your policy to lapse raises rates – Driving without insurance is against the law and you will pay a penalty because you let your coverage lapse. Not only will you pay more, but not being able to provide proof of insurance may earn you a steep fine or even jail time.You may have 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 people who carry more than one policy. It’s known as a multi-policy discount. This can amount to 10 percent or more. Even if you’re getting this discount you still need to comparison shop to confirm you are receiving the best rates possible. You may still find better rates by insuring with multiple companies.

What is the best insurance coverage?

When it comes to buying the best insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions can aid in determining if your insurance needs would benefit from professional advice.

  • Does my car insurance cover rental cars?
  • Is my 1997 Chevy Cavalier covered for flood damage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is my Chevy Cavalier covered if I use it for business?
  • What is the minimum liability in my state?
  • When should I buy a commercial auto policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered if my car is in a flood?
  • Should I put collision coverage on all my vehicles?
  • Does my 1997 Chevy Cavalier qualify for pleasure use?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

Parts of your insurance policy

Learning about specific coverages of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as nursing services, hospital visits and pain medications. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Liability coverage

This will cover damage or injury you incur to people or other property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like legal defense fees, structural damage and attorney fees. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for collisions

Collision insurance will pay to fix damage to your Cavalier resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a building, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive coverage

This covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from getting keyed, fire damage, theft and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Summing up your auto insurance search

Insureds change insurance companies for many reasons like being labeled a high risk driver, lack of trust in their agent, high rates after DUI convictions and high prices. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.

Lower-priced 1997 Chevy Cavalier insurance can be found on the web as well as from independent agents, and you should be comparing both in order to have the best chance of saving money. A few companies don’t offer the ability to get a quote online and these small, regional companies work with independent agents.

When you buy insurance online, you should never sacrifice coverage to reduce premiums. There are many occasions where an insured dropped full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.

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