Have you fallen victim to an underperforming, overpriced car insurance policy? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their car insurance policy. Companies like Progressive, GEICO and Farmers Insurance continually hit you with ad campaigns and it can be hard to see through the deception and find the best price available.
Consumers need to do rate comparisons quite often because prices tend to go up over time. Despite the fact that you may have had the best deal for Cavalier coverage two years ago you will most likely find a better rate today. There is too much inaccurate information about car insurance on the internet, so I’m going to show you some of the best ways to put money back in your pocket.
If you have a current car insurance policy or need a new policy, you can use these techniques to cut your premiums while maximizing coverage. Finding the best rates is quite easy. Drivers just need to know the most efficient way to shop their coverage around on the web.
Comparing insurance rates is a ton of work if you don’t know the most efficient way. You can waste hours talking about coverages with local insurance agents in your area, or you could save time and use online quoting to quickly compare rates.
Many insurance companies belong to an insurance system that enables customers to complete one form, and at least one company can give them a price. This saves time by eliminating form submissions to each individual insurance company.
To submit your quote information now, click here to open in new window.
The one disadvantage to using this type of system is you cannot specify the companies to receive prices from. So if you want to choose specific insurance companies to compare rates, we have assembled a list of the cheapest insurance companies in your area. Click to view list.
However you get your quotes, compare the exact same information for every company. If your comparisons have different deductibles it will be very difficult to determine the lowest rate for your Chevy Cavalier.
Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not know about. Most are applied at quote time, but a few must be requested specifically prior to getting the savings. If you aren’t receiving every discount possible, you are paying more than you should be.
Consumers should know that some of the credits will not apply to the overall cost of the policy. A few only apply to individual premiums such as liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will reduce your overall premium however.
Companies who might offer these benefits include:
Double check with each insurance company which discounts you may be entitled to. Discounts might not be offered in your state.
When it comes to buying the right insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions might help in determining whether your personal situation might need an agent’s assistance.
If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.
Learning about specific coverages of insurance aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on the average insurance policy.
This protects you from damage or injury you incur to people or other property that is your fault. 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 liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage protects against claims like attorney fees, legal defense fees, emergency aid, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.
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 then your collision coverage will kick in.
Collision can pay for things such as hitting a mailbox, scraping a guard rail and rolling your car. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.
Insurance for medical payments
Coverage for medical payments and/or PIP provide coverage for immediate expenses for EMT expenses, pain medications, prosthetic devices, chiropractic care and dental work. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.
Comprehensive coverage (or Other than Collision)
This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as theft, a broken windshield and damage from flooding. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Cost effective 2000 Chevy Cavalier insurance can be purchased on the web as well as from independent agents, so compare prices from both to have the best selection. A few companies don’t offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.
As you restructure your insurance plan, make sure you don’t skimp on coverage in order to save money. Too many times, consumers will sacrifice physical damage coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase plenty of coverage at an affordable rate while still protecting your assets.
For more information, feel free to browse the resources below: