Cheap 1998 Chevrolet Cavalier Insurance Rates

Want cheaper car insurance rates for your Chevrolet Cavalier? No one cherishes buying car insurance, especially when they are paying too much.

Since consumers have many insurance providers from which to choose, it can be challenging to locate the most affordable provider.

It’s smart to compare rates on a regular basis because prices change regularly. Despite the fact that you may have had the lowest rates for Cavalier coverage a year ago other companies may now be cheaper. Starting now, forget all the misinformation about car insurance because you’re going to learn the right way to save on car insurance.

Compare the Market for Car Insurance

There are several ways to compare rate quotes from local car insurance companies. One of the best ways to find competitive 1998 Chevy Cavalier insurance rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in several different ways.

The fastest way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This easy form prevents you from having to do multiple quote forms for each company. Just one form will return quotes from several companies.

A less efficient way to get comparison quotes is to manually visit each individual company website to complete a price quote. For example, let’s assume you want to compare Nationwide, Liberty Mutual and Geico. To get each rate you have to visit each site and enter your policy data, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

The hardest way to compare rates is to drive around to local insurance agencies. Shopping for car insurance online can eliminate the need for a local agent unless you require the trained guidance only provided by licensed agents. You can, however, price shop online and get advice from an agent in your area and we’ll cover that in a bit.

It’s up to you how you get prices quotes, just make darn sure you compare identical coverage limits for each comparison quote. If you use different values for each quote it will be impossible to decipher which rate is best. Having just a slight variation in insurance coverages could mean much higher rates. And when comparison shopping, quoting more will improve the odds of getting the best price.

What determines your Chevy Cavalier insurance premium

Smart consumers have a good feel for the rating factors that go into determining the price you pay for insurance coverage. Knowing what controls the rates you pay helps enable you to make changes that may reward you with better insurance coverage rates.

  • Pleasure use or commuting – The higher the mileage driven every year the higher your rates will be. The majority of insurers rate vehicles based on their usage. Vehicles left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. An improperly rated Cavalier may be costing you. Make sure your insurance coverage declarations sheet shows the correct usage for each vehicle.
  • Liability coverage is peace of mind – The liability section of your policy is the coverage that protects you if you are found liable for damages caused by your negligence. It will provide legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
  • Policy add-ons can waste money – There are many extra coverages that can waste your money if you aren’t careful. Coverages for vanishing deductibles, accident forgiveness and term life insurance are examples of these. They may seem good when talking to your agent, but if they’re wasting money eliminate them to save money.
  • Claim-free discounts can add up – If you tend to file frequent claims, you can definitely plan on higher rates. Car insurance companies award cheaper rates to insureds who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.

Verify you’re getting all your discounts

Insurance can be prohibitively expensive, but you may find discounts to reduce the price significantly. Certain discounts will be triggered automatically when you quote, but some must be asked for before being credited.

  • Seat Belts Save – Requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
  • No Claims – Good drivers with no accidents can earn big discounts when compared with bad drivers.
  • Organization Discounts – Being a member of certain professional organizations is a good way to get lower rates on your policy for Cavalier coverage.
  • Homeowners Savings – Simply owning a home can help you save on insurance because owning a home shows financial diligence.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Save over 55 – Mature drivers may be able to get reduced rates for Cavalier coverage.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts may earn rate discounts up to 30%.

Drivers should understand that some of the credits will not apply to the entire policy premium. Some only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, companies wouldn’t make money that way. But any discount will cut your overall premium however.

For a list of providers offering insurance discounts, follow this link.

When should I talk to an agent?

When it comes to choosing adequate coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that might point out if your insurance needs may require specific advice.

  • How high should deductibles be on a 1998 Chevy Cavalier?
  • Will I lose any money if I cancel my policy before it expires?
  • Is rental equipment covered for theft or damage?
  • Am I covered if I wreck a rental car?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I need replacement cost coverage on my 1998 Chevy Cavalier?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I need roadside assistance coverage?
  • Should I buy full coverage?
  • Which is better, split liability limits or combined limits?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Insurance specifics

Knowing the specifics of a insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average insurance policy.

Liability insurance

Liability coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as medical services, legal defense fees, court costs, loss of income and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying as much as you can afford.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, hitting a bird, a tree branch falling on your vehicle, a broken windshield and hitting a deer. The maximum amount a 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.

Collision protection

This coverage pays for damage to your Cavalier resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like sideswiping another vehicle, sustaining damage from a pot hole, colliding with another moving vehicle, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like nursing services, X-ray expenses, funeral costs, rehabilitation expenses and hospital visits. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 1998 Chevy Cavalier.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are set the same as your liablity limits.

Don’t throw your cash in the trash

As you prepare to switch companies, you should never reduce needed coverages to save money. There are many occasions where an insured dropped comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your aim should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Cheap 1998 Chevy Cavalier insurance is attainable both online and with local insurance agents, and you should be comparing both to have the best selection. There are still a few companies who do not offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

We’ve covered some good ideas how to shop for insurance online. It’s most important to understand that the more providers you compare, the higher your chance of finding lower rates. Consumers may even find the best price on auto insurance is with a small mutual company. Regional companies can often provide lower rates in certain areas compared to the large companies like State Farm and Allstate.

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