Trying to find lower auto insurance rates for your Chevrolet Cavalier? Feel like you’re a prisoner to high-priced auto insurance? Believe me, there are lots of people in the same boat. Since consumers have many auto insurance companies to choose from, it’s difficult to choose the lowest price provider.
Insurance can cost an arm and a leg, but there could be available discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time of quoting, but a few need to be specially asked for before being credited. If you’re not getting every credit available, you are throwing money away.
Keep in mind that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think all those discounts means the company will pay you, it just doesn’t work that way. But all discounts will bring down the amount you have to pay.
Car insurance companies that may offer these money-saving discounts include:
Double check with all companies you are considering which discounts they offer. All car insurance discounts might not apply in your area.
Most companies quote coverage price quotes directly from their websites. Getting online quotes doesn’t take much effort as you just type in the coverage amounts you desire as requested by the quote form. Once you submit the form, the system makes automated requests for your driving record and credit report and generates pricing information determined by many factors. This makes comparing rates easy, but the work required to visit many different websites and type in the same information can be a bit repetitive. But it is imperative to compare as many rates as possible if you are searching for the best price possible.
The easy way to compare rates
A less time-consuming method to find better insurance coverage pricing requires only one form that analyzes rates from more than one company. This type of form saves time, requires less work, and makes price shopping online much more efficient. After sending the form, it is quoted and you can choose any of the resulting price quotes.
If a lower price is quoted, you simply finish the application and buy the new coverage. The entire process can be completed in a matter of minutes and you will know how your current rates stack up.
To find out how much you can save on insurance coverage, simply click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you complete the form with your coverages as shown on your current policy. This ensures you’re receiving an apples-to-apples comparison using the same coverage and limits.
When choosing the best insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions could help you determine if you may require specific advice.
If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.
Learning about specific coverages of insurance helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are the usual coverages found on most insurance policies.
Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like rolling your car, colliding with a tree, hitting a parking meter, crashing into a ditch and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.
Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for bills like pain medications, nursing services and prosthetic devices. They are used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
Comprehensive or Other Than Collision – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like damage from a tornado or hurricane, falling objects and a broken windshield. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Liability insurance – This protects you from damage or injury you incur to people or other property by causing an accident. It protects you against other people’s claims, and 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 liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have 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 pays for claims like medical expenses, funeral expenses, emergency aid, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.
UM/UIM Coverage – Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Chevy Cavalier.
Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages do not exceed the liability coverage limits.
When you buy insurance online, don’t be tempted to buy poor coverage just to save money. There have been many situations where an insured cut full coverage and found out when filing a claim they didn’t purchase enough coverage. The proper strategy is to find the BEST coverage at the best price, not the least amount of coverage.
Discount 2003 Chevy Cavalier insurance can be purchased on the web and also from your neighborhood agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.
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