2004 Chevrolet Cavalier Car Insurance Quotes – 7 Tips for Cheaper Rates

Trying to find the cheapest insurance for a Chevy Cavalier could be an all-consuming task, but you can use our auto insurance buying tips to find lower rates. There is a better way to buy auto insurance and you need to know the absolute fastest way to price shop coverage for your Chevy and obtain the cheapest rates from local insurance agents and online providers.

Consumers need to compare prices every six months since rates trend upward over time. Just because you had the best rates on Cavalier coverage two years ago you may be paying too much now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the proper way to eliminate unnecessary coverages and save money.

Discounts are basically free money

Car insurance companies don’t necessarily list all their discounts very clearly, so the following is a list of some of the best known as well as the least known insurance savings. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% on Cavalier coverage with a few insurance companies.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more on Cavalier coverage than drivers with accident claims.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance.
  • Accident Waiver – Certain companies will forgive one accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can get savings of up to 25% or more.
  • Military Rewards – Having a deployed family member could be rewarded with lower premiums.
  • No Accidents – Good drivers with no accidents pay less when compared with bad drivers.

It’s important to note that most discounts do not apply to the entire policy premium. Most cut the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, it doesn’t quite work that way.

Car insurance companies that may offer these discounts may include but are not limited to:

Before buying, ask each company which discounts you may be entitled to. Discounts may not be available in your area.

How to Get Insurance

Finding a better price on insurance is surprisingly easy. All that’s required is to take the time comparing rate quotes online with multiple companies. It is quite easy and can be accomplished in several different ways.

  1. One of the best ways consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This type of form keeps you from doing repetitive form submissions for each company you want a rate for. A single form will get you price quotes instantly. It’s the fastest way to compare.
  2. A more difficult way to get quotes online requires you to visit each company’s website to complete a price quote. For sake of this example, we’ll pretend you want comparison quotes from USAA, Liberty Mutual and Geico. To find out each rate you need to go to every website to enter your coverage information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  3. The hardest way to get comparison rates is to drive around to local insurance agencies. Buying insurance online has reduced the need for local agents unless you prefer the personal advice that only a license agent can provide. You can, however, comparison shop online and get advice from an agent in your area and we’ll talk about that later.

Whichever method you choose, be sure to compare the exact same coverages and limits with every price quote. If you compare unequal deductibles or liability limits it’s impossible to make an equal comparison.

Which insurance is the “right” coverage?

When it comes to choosing the best insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions could help you determine whether or not you may require specific advice.

  • Can I drive in Mexico and have coverage?
  • What vehicles should carry emergency assistance coverage?
  • How can I find cheaper teen driver insurance?
  • What can I do if my company denied a claim?
  • How much liability coverage do I need in my state?
  • Do all my vehicles need collision coverage?
  • Should I have combined single limit or split liability limits?
  • Can I afford low physical damage deductibles?

If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Insurance coverage considerations

Knowing the specifics of your policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverage

This 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 and then insurance will cover the remainder.

Collision coverage pays for things like driving through your garage door, crashing into a building and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like falling objects, a tree branch falling on your vehicle and theft. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Insurance for medical payments

Med pay and PIP coverage reimburse you for immediate expenses like surgery, EMT expenses, prosthetic devices, nursing services and ambulance fees. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Chevy Cavalier.

Because many people 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 should not be overlooked.

Liability coverages

Liability coverage will cover injuries or damage you cause to people or other property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as pain and suffering, court costs, medical expenses and legal defense fees. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Feed the piggy bank

Throughout this article, we presented a lot of techniques to shop for 2004 Chevy Cavalier insurance online. The most important thing to understand is the more rate comparisons you have, the better likelihood of reducing your rate. You may be surprised to find that the best price on car insurance is with a smaller regional carrier.

The cheapest insurance is attainable both online in addition to many insurance agents, so you should compare both in order to have the best chance of saving money. Some car insurance companies do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

Consumers who switch companies do it for a variety of reasons including not issuing a premium refund, policy cancellation, policy non-renewal and poor customer service. It doesn’t matter why you want to switch switching companies is actually quite simple.

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