2000 Chevrolet Cavalier Insurance Cost

Searching for cheaper car insurance rates? Consumers have a choice when looking for low-cost Chevy Cavalier insurance. They can either waste time calling around getting price quotes or use the internet to make rate comparisons.

There is a better way to find car insurance online so you’re going to learn the proper way to quote coverages for a new or used Chevy and find the best price possible from local insurance agents and online providers.

You need to check car insurance prices yearly since insurance rates change frequently. If you had the best price on Cavalier insurance a few years ago a different company probably has better rates today. You can find a lot of misleading information regarding car insurance on the internet, so we’re going to give you some guaranteed methods to buy car insurance cheaper.

This article will help you learn how to get online quotes. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Drivers just need to know the tricks to find the lowest price on the web.

Chevy Cavalier insurance rates can be determined by these details

It’s important that you understand some of the elements that help determine your auto insurance rates. Knowing what controls the rates you pay allows you to make educated decisions that may reward you with much lower annual insurance costs.

The following are a few of the “ingredients” companies use to determine rates.

  • Pay less if you’re married – Having a wife or husband actually saves money when buying auto insurance. Marriage means you’re more mature and it’s statistically proven that drivers who are married are more cautious.
  • No coverage gaps is important – Driving with no insurance is illegal and you will pay a penalty because you let your coverage have a gap. And not only will your rates increase, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license.
  • Safer cars cost less to insure – Vehicles with high crash test scores get lower rates. Safe vehicles reduce injuries and better occupant protection translates into savings for insurance companies and thus lower rates. If your Chevy has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Don’t get talked into coverage you don’t need – There are a ton of additional coverages you can purchase on your auto insurance policy. Things like vanishing deductibles, better glass coverage and term life insurance are examples of these. These coverages may sound good when talking to your agent, but if they’re wasting money remove them from your policy.

Get lower rates on 2000 Chevy Cavalier insurance

Insurance can be prohibitively expensive, but discounts can save money and there are some available that can drop the cost substantially. Certain discounts will be applied at the time of quoting, but less common discounts must be specially asked for before being credited. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Sign Early and Save – Select companies give a discount for buying a policy prior to your current policy expiration. It can save you around 10%.
  • Safe Drivers – Safe drivers may receive a discount up to 45% less on Cavalier insurance than their less cautious counterparts.
  • Clubs and Organizations – Being a member of a professional or civic organization could trigger savings on auto insurance on Cavalier insurance.
  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class if it’s offered in school.
  • Accident Free – Drivers who don’t have accidents pay much less when compared to frequent claim filers.

It’s important to note that some credits don’t apply to your bottom line cost. Most only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like all those discounts means the company will pay you, companies wouldn’t make money that way. Any amount of discount will bring down the cost of coverage.

A partial list of companies who might offer some of the above discounts may include but are not limited to:

Double check with each insurance company what discounts are available to you. All car insurance discounts might not apply in your state.

Tailor your coverage to you

When it comes to buying the best insurance coverage coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is unique.

These are some specific questions might point out if you would benefit from an agent’s advice.

  • What happens if I owe more than my 2000 Chevy Cavalier is worth?
  • I have health insurance so do I need medical payments coverage?
  • When should my teen driver be added to my policy?
  • Is my state a no-fault state?
  • When should I buy a commercial auto policy?
  • How do I insure my teen driver?
  • Can I afford low physical damage deductibles?
  • Am I covered when driving on a suspended license?
  • Why is insurance for a teen driver so high?

If you don’t know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Car insurance policy specifics

Having a good grasp of car insurance can be of help when determining the best coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, fire damage, damage from a tornado or hurricane, a broken windshield and hitting a bird. The highest amount you can receive from a comprehensive claim 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.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as pain medications, surgery, X-ray expenses and doctor visits. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers you and your occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability insurance

Liability insurance will cover damage or injury you incur to other’s property or people by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like repair costs for stationary objects, medical services, funeral expenses and pain and suffering. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Chevy Cavalier.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Collision coverage protection

Collision insurance pays for damage to your Cavalier caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like backing into a parked car, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Compare but don’t skimp

You just read a lot of ways to compare 2000 Chevy Cavalier insurance prices online. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Drivers may discover the best prices are with a small mutual company.

Cheaper insurance is possible from both online companies and with local insurance agents, and you need to price shop both to get a complete price analysis. There are still a few companies who do not offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

As you go through the steps to switch your coverage, it’s a bad idea to reduce needed coverages to save money. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage at an affordable rate while not skimping on critical coverages.

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