2001 Chevrolet Cavalier Insurance Quotes – 8 Tricks for Best Rates

Searching for lower auto insurance rates for your Chevrolet Cavalier? Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.

There is such a variety of insurance companies to choose from, and although it’s a good thing to have multiple companies, it makes it harder to find a good deal.

These eight discounts can slash insurance rates

Car insurance companies don’t always publicize all their discounts very clearly, so here is a list some of the more common and the harder-to-find discounts you could be receiving.

  • No Accidents – Drivers who don’t have accidents pay less when compared with accident-prone drivers.
  • Paperwork-free – Certain companies will give a small break for buying a policy and signing up on their website.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you could save 5% or more.
  • Discount for New Cars – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Low Mileage Discounts – Fewer annual miles on your Chevy could be rewarded with better rates on cars that stay parked.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less for Cavalier insurance than less cautious drivers.
  • Bundle and Save – If you insure your home and vehicles with one company you may earn up to 20% off your total premium.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only cut individual premiums such as collision or personal injury protection. Even though it may seem like you could get a free insurance policy, you’re out of luck.

Companies who might offer some of the above discounts include:

Check with every prospective company how you can save money. Savings may not be available in your area.

Cheap Insurance Coverage Comparisons

The are a couple different ways of comparing rate quotes and find the best price. The best way to compare 2001 Chevy Cavalier insurance prices is simply to get online rate quotes. This is very easy and can be done in several different ways.

  • Probably the best way to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This type of form saves time by eliminating separate forms for each company you want a rate for. Just one form will return price quotes from all major companies.
  • A more difficult way to obtain and compare quotes online requires you to visit each individual company website to complete a price quote. For example, we’ll assume you want to compare Liberty Mutual, Allstate and State Farm. You would have to take the time to go to each site to input your insurance information, which is why the first method is quicker.

    To view a list of companies in your area, click here.

However you get your quotes, double check that you are using the exact same deductibles and coverage limits on every quote you get. If your comparisons have differing limits it will be next to impossible to determine the lowest rate for your Chevy Cavalier. Having just a slight variation in coverage limits can result in a big premium difference. It’s important to know that more quotes helps locate a better price.

When might I need the advice of an agent?

When it comes to choosing the best auto insurance coverage for your vehicles, there really is no best way to insure your cars. Each situation is unique so your insurance should reflect that These are some specific questions could help you determine if your situation might need professional guidance.

  • How high should deductibles be on a 2001 Chevy Cavalier?
  • Is my dog or cat covered if injured in an accident?
  • If I drive on a suspended license am I covered?
  • What is the minimum liability in my state?
  • Should I buy full coverage?
  • Do I have coverage when making deliveries for my home business?
  • What is high-risk coverage and where do I buy it?
  • Am I better off with higher deductibles on my 2001 Chevy Cavalier?
  • How do I insure my teen driver?
  • Are rock chip repairs covered?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Detailed coverages of your auto insurance policy

Having a good grasp of your auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring. These are typical coverage types found on most auto insurance policies.

Auto liability insurance

Liability insurance protects you from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers claims such as repair bills for other people’s vehicles, court costs, repair costs for stationary objects, bail bonds and emergency aid. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Auto collision coverage

This coverage covers damage to your Cavalier from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like sustaining damage from a pot hole, colliding with a tree, colliding with another moving vehicle and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive auto coverage

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, hitting a bird and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like surgery, funeral costs, pain medications, dental work and prosthetic devices. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Don’t throw your cash in the trash

Lower-priced 2001 Chevy Cavalier insurance can be bought both online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

When buying insurance coverage, do not reduce needed coverages to save money. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The ultimate goal is to get the best coverage possible at the best price, not the least amount of coverage.

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