Searching for better car insurance rates for your Chevrolet Cavalier? Paying for high-priced Chevrolet Cavalier insurance can take a big chunk out of your bank account and force you to prioritize other expenses. Shopping your coverage around is a great way to slash your bill and have more diposable income. With so many car insurance companies to choose from, it can be challenging to locate the lowest cost car insurance company.
It’s smart to price shop coverage before your policy renews due to the fact that insurance rates change quite often. Even if you think you had the best price for Cavalier insurance last year you can probably find a lower rate today. You can find a lot of misleading information regarding car insurance online but with this article, you’re going to get the easiest ways to find cheap car insurance.
There are a lot of ways to shop for insurance, but there is one way that is easier and takes less work. You can spend countless hours driving to agents in your area, or you can stay home and use online quotes to achieve your goal.
The majority of car insurance companies take part in a program where prospective buyers submit their information once, and each participating company can provide price quotes based on that data. This eliminates the need for quote forms to each individual insurance company.
To compare 1999 Chevy Cavalier rates using this form now click here (opens in new window).
The one downside to comparing rates this way is that consumers can’t choose which carriers to receive prices from. If you would rather choose from a list of companies for rate comparison, we have a page of low cost insurance companies in your area. Click to view list.
It’s up to you how you get prices quotes, just ensure you’re using identical coverage information for each comparison quote. If you are comparing different liability limits it’s impossible to make a fair comparison for your Chevy Cavalier.
When buying adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. For example, these questions might help in determining if your insurance needs would benefit from professional advice.
If it’s difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.
Learning about specific coverages of your auto insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on most auto insurance policies.
Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Chevy Cavalier.
Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for immediate expenses such as funeral costs, doctor visits, dental work, hospital visits and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay
Collision coverages – Collision coverage covers damage to your Cavalier from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims like colliding with a tree, backing into a parked car, crashing into a building, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.
Comprehensive insurance – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like hail damage, hitting a deer, theft and a broken windshield. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Auto liability – Liability coverage can cover damage that occurs to a person or their property in an accident. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.
Liability coverage pays for things like loss of income, repair costs for stationary objects, structural damage and attorney fees. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.