Are you confused by the dozens of insurance coverage companies? You’re not the only one! Consumers have so many options that it can easily become more work than you anticipated to find the perfect company for you.
Consumers need to check insurance coverage prices yearly since rates are rarely the same from one policy term to another. If you had the lowest rates on Cavalier coverage a couple years back a different company probably has better rates today. You’ll find quite a bit of inaccurate information about insurance coverage on the internet, so by reading this article, you’re going to learn some tested techniques to find cheap insurance coverage.
Buying car insurance is not that difficult. If you currently have a car insurance policy, you should be able to reduce your rates substantially using this strategy. Nevertheless, vehicle owners need to have an understanding of the way companies market insurance on the web and use this information to your advantage.
There are several ways to compare rate quotes from insurance companies in your area. The best method to find the lowest 1997 Chevy Cavalier rates consists of obtaining rate quotes online. This is very easy and can be done in several different ways.
For a list of links to insurance companies in your area, click here.
Whichever method you choose, make sure you use apples-to-apples coverage information for every quote you compare. If the quotes have different deductibles you will not be able to determine which rate is truly the best. Having just a slight variation in limits may result in large price differences. Just keep in mind that getting more free quotes helps locate the best price.
Companies offering auto insurance do not advertise every discount in an easy-to-find place, so we break down some of the best known and the harder-to-find savings tricks you should be using.
It’s important to note that many deductions do not apply to all coverage premiums. Some only apply to individual premiums such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, you won’t be that lucky.
Companies that possibly offer these discounts may include but are not limited to:
Before buying, ask every prospective company which discounts they offer. All car insurance discounts might not apply in your state.
When it comes to buying the best car insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.
For example, these questions may help highlight if your insurance needs may require specific advice.
If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, simply complete this short form.
Knowing the specifics of a car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.
Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for expenses for ambulance fees, nursing services, chiropractic care and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Coverage for liability – Liability insurance provides protection from damage or injury you incur to other people or property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.
Liability coverage protects against claims like legal defense fees, structural damage, medical services and court costs. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.
Collision – This coverage pays for damage to your Cavalier caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as damaging your car on a curb, rolling your car, crashing into a ditch, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.
Comprehensive (Other than Collision) – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as damage from getting keyed, hitting a deer and falling objects. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Protection from uninsured/underinsured drivers – This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Chevy Cavalier.
Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.