Cheaper 2004 Chevrolet Cavalier Car Insurance Rates

Trying to find cheaper insurance rates? Buyers have lots of choices when searching for low-cost Chevy Cavalier insurance. They can either spend hours struggling with agents trying to get quotes or save time using the internet to get rate quotes. There is a right way and a wrong way to find insurance online so we’re going to tell you the best way to quote coverages for a Chevy and locate the lowest price.

Compare Auto Insurance Costs

Finding cheaper 2004 Chevy Cavalier auto insurance prices can be surprisingly simple. Consumers just need to invest a few minutes comparing price quotes online from several insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. One of the best ways consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This type of form keeps you from doing boring form submissions to each individual auto insurance company. Filling out one form will get you rate comparisons instantly. It’s definitely the quickest method.
  2. Another way to compare rate quotes consists of going to each company’s website and complete a new quote form. For examples sake, we’ll assume you want comparison quotes from Nationwide, 21st Century and GMAC. You would have to go to every website to enter your coverage information, which is why most consumers use the first method.

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

  3. The least efficient way of getting rate comparisons is driving around to local insurance agencies. Buying insurance online makes this process obsolete unless you require the professional guidance of a local agent. However, consumers can get prices online but buy from a local insurance agent and we’ll talk about that later.

However you get your quotes, be sure to compare the exact same coverages and limits with every price quote. If your comparisons have differing limits then you won’t be able to find the best deal for your Chevy Cavalier.

Buyer beware of insurance advertising tricks

Consumers get pounded daily by advertisements for car insurance savings from the likes of Allstate, GEICO and Progressive. All the ads make the same claim about savings if you switch your coverage to them.

How do they all claim to save you money?

All companies can use profiling for the driver that earns them a profit. A good example of a profitable customer might be profiled as over the age of 50, a clean driving record, and has excellent credit. A driver who fits that profile will qualify for the lowest rates and as a result will probably cut their rates substantially.

Potential customers who don’t measure up to the “perfect” profile will be charged a higher premium which leads to the customer not buying. The ads say “drivers who switch” not “people who quote” save that much. This is how companies can advertise the savings. That is why you need to get a wide range of price quotes. It’s just too difficult to predict which insurance companies will provide you with the cheapest Chevy Cavalier insurance rates.

Chevy Cavalier insurance rates can be determined by these details

Smart consumers have a good feel for the rating factors that go into determining the rates you pay for insurance coverage. Understanding what controls the rates you pay enables informed choices that can help you get big savings.

Listed below are some of the items insurance coverage companies consider when setting your rates.

  • Safer cars are cheaper to insure – Cars with high safety ratings tend to have better insurance rates. Safe vehicles have better occupant injury protection and fewer injuries means less money paid by your insurance company passed on to you as lower rates. If your Chevy Cavalier is rated at least four stars on or an “acceptable” rating on it may be receiving lower rates.
  • Liability coverage is cheap – The liability section of your policy is the coverage that protects you when you are found liable for damages from an accident. It provides for a legal defense starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
  • Do you know you’re credit rating? – A driver’s credit rating is a large factor in determining what you pay for insurance coverage. People with high credit ratings tend to be more responsible than those with lower ratings. If your credit can use some improvement, you could pay less to insure your 2004 Chevrolet Cavalier by spending a little time repairing your credit.
  • Your insurance coverage rates can be influenced by your job – Careers like doctors, business owners and financial analysts tend to have higher average rates because of high stress levels and long work hours. Conversely, occupations like actors, engineers and the unemployed receive lower rates on Cavalier coverage.

Discounts are great for lower rates

Companies don’t always list every discount in a way that’s easy to find, so here is a list some of the more common as well as the least known discounts you could be receiving. If you aren’t receiving every discount possible, you are throwing money away.

  • Accident Waiver – A few companies will forgive one accident before your rates go up if you are claim-free for a certain period of time.
  • No Claims – Drivers who don’t have accidents can earn big discounts compared to drivers who are more careless.
  • New Vehicle Savings – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Paperless Signup – Some insurance companies may give you up to $50 for buying your policy over the internet.
  • Use Seat Belts – Drivers who require all occupants to buckle their seat belts could save 15% off the personal injury premium cost.
  • College Student – Kids in college who attend school more than 100 miles from home and don’t have a car can receive lower rates.
  • Multi-car Discount – Having more than one vehicle on the same car insurance policy could earn a price break for each car.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less on Cavalier coverage than less cautious drivers.

Drivers should understand that most of the big mark downs will not be given to the entire cost. The majority will only reduce specific coverage prices like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way.

For a list of insurers with discount car insurance rates, follow this link.

You may need specialized coverage

When choosing adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Each situation is unique.

For example, these questions could help you determine whether your personal situation might need an agent’s assistance.

  • Can my babysitter drive my car?
  • What is the rate difference between pleasure use and commuting?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does coverage extend to Mexico or Canada?
  • Can I rent a car in Mexico?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Insurance coverages explained

Learning about specific coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like vandalism, hitting a deer and hitting a bird. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.


This will cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU from claims by other people. 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. You might see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as attorney fees, repair costs for stationary objects, emergency aid and medical expenses. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

UM/UIM Coverage

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as doctor visits, ambulance fees and nursing services. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage

Collision coverage pays for damage to your Cavalier resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with a tree, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

More effort can pay off

Lower-priced 2004 Chevy Cavalier insurance is possible from both online companies and also from your neighborhood agents, and you should be comparing both to have the best selection. A few companies may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

We just showed you a lot of information how to lower your insurance rates. It’s most important to understand that the more quotes you get, the higher your chance of finding lower rates. Consumers could even find that the best prices are with a company that doesn’t do a lot of advertising.

As you prepare to switch companies, it’s not a good idea to buy poor coverage just to save money. Too many times, someone dropped collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your aim should be to buy a smart amount of coverage at the best price while still protecting your assets.

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