Cheap 2005 Chevrolet Cavalier Insurance Quotes

Finding better insurance prices for a Chevy Cavalier can normally be a lot of work, but you can follow these tips to find lower rates. There is a right way and a wrong way to buy auto insurance and we’ll show you the absolute fastest way to get price quotes for a Chevy and get the lowest possible price.

The most recommended method to compare insurance rates in your area is to know car insurance companies pay for the opportunity to provide you with a free rate quote. To get started, all you need to do is give them rating details including whether the vehicles are used for commuting, the make and model of your vehicles, distance driven, and whether your vehicle is owned or leased. The data gets sent immediately to multiple top-rated companies and you will get price comparisons immediately.

To find the cheapest 2005 Chevy Cavalier insurance rates, click here and find out if you can get cheaper insurance.

Pay less by taking advantage of discounts

Companies offering auto insurance don’t list all available discounts very clearly, so we took the time to find some of the best known as well as the least known insurance savings. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Federal Government Employee – Active or retired federal employment can earn a discount up to 10% on Cavalier coverage with certain companies.
  • Student Driver Training – Have your child take driver’s ed class in school.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out life insurance from them.
  • New Vehicle Savings – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Cavalier coverage than drivers with accident claims.

It’s important to note that most credits do not apply to the entire policy premium. Most only cut individual premiums such as liability and collision coverage. Just because you may think it’s possible to get free car insurance, it doesn’t quite work that way.

Insurance companies that possibly offer these money-saving discounts include:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Discounts might not be offered in every state.

Your coverage should be tailored to you

When choosing the right insurance coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover whether or not you will benefit from professional help.

  • Where can I get insurance after a DUI in my state?
  • Do I have coverage when using my vehicle for my home business?
  • What is UM/UIM insurance?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I buy full coverage?
  • How high should my medical payments coverage be?
  • Does my insurance cover a custom paint job?
  • Are my tools covered if they get stolen from my vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does coverage extend to my business vehicle?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.

Parts of your auto insurance policy

Understanding the coverages of your auto insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Liability auto insurance

Liability coverage protects you from damages or injuries you inflict on other people or property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as funeral expenses, repair costs for stationary objects, repair bills for other people’s vehicles, pain and suffering and bail bonds. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, a broken windshield and damage from flooding. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for X-ray expenses, EMT expenses, funeral costs and nursing services. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision insurance

This covers damage to your Cavalier resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like driving through your garage door, hitting a parking meter, colliding with another moving vehicle, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.