2003 Chevrolet Cavalier Car Insurance Rates – 6 Policy Discounts

Trying to find the cheapest auto insurance rates for your Chevrolet Cavalier? Tired of being strong-armed to pay your car insurance bill each month? You are in the same boat as millions of other consumers. You have so many insurance companies to pick from, and although it’s nice to be able to choose, having more car insurance companies makes it harder to locate the cheapest rates.

Consumers should take time to shop coverage around quite often because rates are constantly changing. Just because you had the best price on Cavalier insurance a few years ago other companies may now be cheaper. There is a lot of wrong information about auto insurance on the web, but by reading this article, you’re going to learn some solid techniques on how to buy auto insurance cheaper.

Cheap Car Insurance Comparisons

All major car insurance companies like Allstate and Progressive allow you to get coverage price quotes on their websites. Getting online rates is fairly simple as you simply enter your coverage preferences into the quote form. Upon sending the form, the system orders your driving and credit reports and generates pricing information. This helps simplify price comparisons, but having to visit many different websites and enter the same data into a form is monotonous and tiresome. But it’s absolutely necessary to get many rate quotes if you are searching for the best price possible.

The easy way to compare rates

An easier way to find lower prices is to use a quote form to obtain quotes from several different companies. It’s a real time-saver, eliminates form submissions, and makes online price comparison much simpler. As soon as the form is sent, it gets priced with multiple companies and you can pick any of the pricing results.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. This process only takes a few minutes and you will know how your current rates stack up.

To compare pricing, click here to open in a new tab and enter your vehicle and coverage information. If you have your current policy handy, we recommend you complete the form with coverages and limits as close as possible to your current policy. This makes sure you are getting a rate comparison based on identical coverages.

When should I talk to an agent?

When it comes to buying coverage, there is no perfect coverage plan. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that might point out whether or not you would benefit from an agent’s advice.

• Should I rate my 2003 Chevy Cavalier as pleasure use or commute?
• How do I buy GAP insurance?
• Should I drop comprehensive coverage on older vehicles?
• Am I covered if I break a side mirror?
• Am I covered when driving on a suspended license?
• Which is better, split liability limits or combined limits?
• When should I remove comp and collision on my 2003 Chevy Cavalier?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Learn about insurance coverages for a Chevy Cavalier

Understanding the coverages of insurance helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are the normal coverages found on the average insurance policy.

Liability coverages – This will cover damage or injury you incur to a person or their property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. 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 coverage pays for claims like court costs, funeral expenses and loss of income. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive or Other Than Collision – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like theft, rock chips in glass, vandalism and hitting a deer. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage – Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Chevy Cavalier.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Medical costs insurance – Coverage for medical payments and/or PIP pay for short-term medical expenses for funeral costs, pain medications and hospital visits. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision – This covers damage to your Cavalier resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like damaging your car on a curb, scraping a guard rail, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.