2001 Chevrolet Cavalier Insurance Rates

Consumers have options when looking for low-cost Chevy Cavalier insurance. You can either spend your time contacting agents getting price quotes or leverage the internet to compare rates. There is a better way to compare insurance coverage rates so you’re going to learn the quickest way to compare rates on a Chevy and get the lowest possible price from local insurance agents and online providers.

Choosing the best insurance company for you is not rocket science. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these methods. Consumers just need to learn the tricks to get comparison rates online.

Automobile Insurance Quotes

Most major insurance companies such as Allstate and Progressive allow you to get prices for coverage directly from their websites. Getting online rates is fairly straightforward as you just enter your required coverages as requested by the quote form. When complete, the company’s rating system automatically retrieves your credit score and driving record and generates pricing information based on many factors.

Being able to quote online simplifies rate comparisons, but the time required to go to several different sites and enter the same data into a form gets old quite quickly. But it is imperative to have as many quotes as possible in order to find better car insurance pricing.

A less time-consuming method to compare car insurance pricing requires only one form to return rates from several different companies. It saves time, requires much less work on your part, and makes online quotes much more enjoyable. After sending your information, your coverage is rated and you can select your choice of the quotes returned. If the quotes result in lower rates, you can click and sign and buy the new coverage. The entire process takes less than 15 minutes and may save quite a bit of money.

To quickly find out how much you’re overpaying now, simply click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended you duplicate the coverage information identical to your current policy. Using the same limits helps guarantee you will have a price comparison for the exact same coverage.

Don’t miss these discounts

Companies don’t necessarily list all available discounts in a way that’s easy to find, so we break down both the well known and the harder-to-find ways to save on car insurance. If you aren’t receiving every discount available, you are paying more than you should be.

  • Low Mileage Discounts – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • Driver Safety – Taking part in a defensive driving course can save you 5% or more depending on where you live.
  • Claim Free – Claim-free drivers pay much less compared to frequent claim filers.
  • Multiple Cars – Having all your vehicles with the same company can get a discount on all vehicles.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up to age 25.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching policies prior to your current policy expiring. The savings is around 10%.

It’s important to understand that some of the credits will not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, you’re out of luck.

For a list of companies with discount car insurance rates, click this link.

When might I need help?

When it comes to buying proper insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining whether or not you might need professional guidance.

  • When should my teen driver be added to my policy?
  • Should I buy additional glass protection?
  • What is roadside assistance coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • What is high-risk coverage and where do I buy it?
  • Is my nanny covered when driving my vehicle?
  • How much liability insurance is required?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and you can get the answers you need.

Auto insurance 101

Having a good grasp of insurance can help you determine appropriate coverage for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Auto liability insurance

Liability insurance can cover damage that occurs to people or other property by causing an accident. This insurance protects YOU against claims from 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. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for things like legal defense fees, medical services, pain and suffering and bail bonds. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, damage from flooding, falling objects, theft and a broken windshield. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision insurance will pay to fix damage to your Cavalier caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like driving through your garage door, sustaining damage from a pot hole, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for medical payments

Med pay and PIP coverage reimburse you for bills like X-ray expenses, dental work and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Shop around and save

Cheap 2001 Chevy Cavalier insurance is definitely available from both online companies and with local insurance agents, so you should compare both so you have a total pricing picture. Some companies do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

When you buy insurance online, do not buy less coverage just to save a little money. Too many times, consumers will sacrifice physical damage coverage and discovered at claim time that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Consumers switch companies for a variety of reasons including high prices, questionable increases in premium, unfair underwriting practices and delays in paying claims. It doesn’t matter why you want to switch choosing a new insurance company can be easy and end up saving you some money.

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