Finding low-cost insurance for a Chevy Cavalier can be a lot of work, but you can follow these tips to make it easier.
There is a right way and a wrong way to buy insurance and we’ll show you the quickest way to compare rates for a Chevy and obtain the cheapest rates.
The quickest way to get rate comparisons is to know most of the larger companies pay for the opportunity to compare rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details such as driver ages, the type of vehicles you drive, how much education you have, and how many miles driven. That rating data is automatically sent to insurance carriers in your area and they provide comparison quotes instantly.
Insurance can cost an arm and a leg, but companies offer discounts that you may not even be aware of. Some trigger automatically when you purchase, but some may not be applied and must be specially asked for in order for you to get them. If you’re not getting every credit you qualify for, you’re just leaving money on the table.
It’s important to note that some of the credits will not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way. But any discount will reduce your overall premium however.
Companies that may offer these benefits include:
Check with each insurance company how you can save money. Savings might not be offered everywhere.
When choosing adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different.
For example, these questions might point out if your situation would benefit from an agent’s advice.
If you can’t answer these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.
Knowing the specifics of your policy can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording.
Comprehensive auto coverage
This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for things such as damage from flooding, fire damage, damage from getting keyed and vandalism. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Liability auto insurance
Liability coverage can cover damages or injuries you inflict on other people or property. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.
Liability can pay for things such as medical expenses, attorney fees, structural damage and medical services. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.
This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things such as sustaining damage from a pot hole, hitting a mailbox, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Chevy Cavalier.
Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages are set the same as your liablity limits.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP reimburse you for immediate expenses like funeral costs, hospital visits and dental work. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Drivers switch companies for a number of reasons such as an unsatisfactory settlement offer, not issuing a premium refund, lack of trust in their agent or even policy non-renewal. Whatever your reason, finding the right car insurance provider is not as hard as you think.
When buying insurance coverage, never skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced liability limits or collision coverage and discovered at claim time that the savings was not a smart move. Your aim should be to buy enough coverage for the lowest price while not skimping on critical coverages.
Lower-priced 1990 Chevy Cavalier insurance is possible online as well as from independent agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.
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