No one likes having to buy auto insurance, especially when the cost is way too high. Companies like Allstate, Progressive and GEICO all promote huge savings with ad campaigns and consumers find it hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.
It is always a good idea to take a look at other company’s rates occasionally because rates are adjusted regularly by insurance companies. Even if you think you had the lowest price on Cavalier coverage last year you will most likely find a better rate today. Block out anything you think you know about auto insurance because we’re going to demonstrate the best methods to buy cheaper auto insurance.
If you have insurance now or are just looking to switch companies, you can follow these tips to find the best rates while maintaining coverages. Buying car insurance is easy if you know what you’re doing. Drivers only need an understanding of the best way to compare prices on the web.
Companies offering auto insurance don’t list all available discounts very clearly, so we took the time to find some of the more common and also the lesser-known discounts you could be receiving. If you’re not getting every credit available, you are throwing money away.
Keep in mind that most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like comp or med pay. Just because you may think you would end up receiving a 100% discount, auto insurance companies aren’t that generous.
For a list of insurers offering auto insurance discounts, click here to view.
When buying the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether you may require specific advice.
If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.
Knowing the specifics of a insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages offered by insurance companies.
Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like rock chips in glass, a tree branch falling on your vehicle, fire damage, falling objects and theft. The maximum payout 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 dropping full coverage.
This will pay to fix damage to your Cavalier caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers things such as scraping a guard rail, crashing into a ditch, hitting a mailbox, crashing into a building and rolling your car. This coverage can be expensive, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.
This coverage can cover damage that occurs to a person or their property. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.
Liability coverage pays for things like emergency aid, funeral expenses and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.
This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Chevy Cavalier.
Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.
Medical payments and Personal Injury Protection insurance kick in for expenses like nursing services, chiropractic care, ambulance fees, dental work and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible
As you prepare to switch companies, make sure you don’t buy poor coverage just to save money. Too many times, an insured dropped collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.
We just covered quite a bit of information on how to reduce 1993 Chevy Cavalier insurance prices online. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. Consumers may even find the best prices are with a smaller regional carrier. Regional companies may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.
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