1996 Chevrolet Cavalier Insurance Quotes

Searching for the cheapest insurance coverage rates for your Chevrolet Cavalier? Are you tired of scraping the payment together to insure your Chevy every month? You’re in the same situation as many other drivers. Big-name insurance companies like Progressive, GEICO and Farmers Insurance continually hit you with ad campaigns and it is challenging if not impossible to see through the deception and effectively compare rates to find the best deal.

It’s a good habit to check insurance coverage prices before your policy renews since insurance rates change quite often. Even if you think you had the lowest price for Cavalier insurance last year you can probably find a better price now. So just forget all the misinformation about insurance coverage because it’s time to teach you how to use online quotes to reduce your cost while increasing coverage.

Automobile Insurance Quotes

Most major insurance companies provide coverage prices online. This process is quite easy as you simply type in your personal and coverage information into the quote form. After the form is submitted, the system requests reports for credit and driving violations and generates a price. This makes it a lot easier to compare rates but the time required to go to many different websites and type in the same information can be a bit tiresome and repetitive. But it is imperative to compare as many rates as possible in order to find better insurance coverage pricing.

A more efficient way to lower your rates requires only one form to obtain quotes from a lot of companies. This type of form saves time, eliminates repetitive work, and makes rate comparisons much simpler. As soon as the form is sent, it is rated and you are able to buy your choice of the price quotes you receive.

If a lower price is quoted, it’s easy to complete the application and buy the policy. The whole process can be completed in a matter of minutes and may result in a nice savings.

In order to compare pricing, click here to open in new window and fill out the form. If you have coverage now, it’s recommended you copy deductibles and limits just like they are on your policy. Doing this assures you will receive comparison quotes for similar coverage.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, but you can get discounts to cut the cost considerably. Most are applied at the time of quoting, but some must be manually applied before you get the savings. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Bundle and Save – If you have multiple policies with one insurance company you will save 10% to 20% off each policy.
  • Own a Home – Owning a house can save you money because maintaining a house requires personal responsibility.
  • Student in College – Children who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • Paperwork-free – Certain companies will discount your bill up to fifty bucks just for signing your application online.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off for Cavalier insurance with a few car insurance companies.
  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company qualifies for this discount.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less for Cavalier insurance than their less cautious counterparts.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like you could get a free car insurance policy, companies don’t profit that way. But all discounts will bring down the amount you have to pay.

Insurance companies that may offer some of the above discounts include:

Double check with every prospective company how you can save money. Discounts might not be offered in your area.

When might I need an agent?

When buying proper insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique so your insurance should reflect that For example, these questions can help discover whether your personal situation might need an agent’s assistance.

  • Do I need added coverage for expensive stereo equipment?
  • I don’t drive much so do I pay less?
  • Should I have combined single limit or split liability limits?
  • Why do I only qualify for high-risk insurance?
  • Does coverage extend to Mexico or Canada?
  • Is business equipment covered while in my vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Insurance coverage breakdown

Understanding the coverages of your insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are the normal coverages found on the average insurance policy.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for short-term medical expenses for dental work, X-ray expenses, doctor visits and pain medications. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, hail damage and hitting a bird. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a ditch, crashing into a building, hitting a mailbox, hitting a parking meter and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

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 limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as medical services, funeral expenses and pain and suffering. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.