Cheap 1991 Chevrolet Cavalier Car Insurance Quotes

Finding low-cost insurance for your Chevy Cavalier can normally be difficult, but you can learn the following methods to save time.

There are both good and bad ways to compare insurance rates and we’ll show you the absolute fastest way to compare rates on a Chevy and find the best price possible either online or from local insurance agents.

The fastest way that we advise to compare insurance rates in your area takes advantage of the fact most larger insurance companies participate in online systems to give free rates quotes. The one thing you need to do is provide a little information including whether you are married, if it has an alarm system, if your license is active, and the type of vehicles you drive. Your information is then submitted to multiple companies and you receive quotes within a short period of time.

To get price quotes for your 1991 Chevy Cavalier, click here and find out if lower rates are available.

Save $462 a year? Really?

Drivers can’t ignore all the ads for the lowest price auto insurance from companies such as State Farm and Allstate. All the ads make the same claim about savings if you switch your policy.

But how can every company say the same thing?

All the different companies have a preferred profile for the driver that is profitable for them. For example, a profitable customer might be profiled as over the age of 50, is a homeowner, and drives less than 10,000 miles a year. Any driver who meets those qualifications will get the preferred rates and therefore will save when they switch companies.

Potential customers who don’t qualify for this ideal profile will be charged more money which usually ends up with business not being written. The ads say “customers that switch” not “everyone that quotes” save that much money. This is how companies can advertise the way they do.

That is why drivers must compare many company’s rates. Because you never know which insurance coverage company will give you the biggest savings on Chevy Cavalier insurance.

Why your Chevy Cavalier might be costing you more

Consumers need to have an understanding of some of the elements that go into determining car insurance rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that can help you get big savings.

  • Low deductibles can be expensive – Physical damage deductibles represent how much money you are required to spend out-of-pocket before a claim is paid by your company. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims would be colliding with a building, vandalism, or theft. The higher the amount you’re willing to pay, the less your car insurance will be on Cavalier coverage.
  • Liability coverage is peace of mind – Liability coverage is the protection in the event that a jury decides you are liable for causing damage or personal injury in an accident. It provides legal defense which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
  • Rates may be higher depending on your occupation – Careers like real estate brokers, executives and financial analysts have higher average rates due to high stress and long work hours. Conversely, occupations like pilots, engineers and retirees get better rates on Cavalier coverage.
  • Men fork out a little more – Statistics show that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. Both sexes have accidents in similar percentages, but men tend to have more serious accidents. Men also receive more costly citations like DUI and reckless driving.
  • Marriage pays dividends – Having a wife or husband can get you a discount on car insurance. Marriage means you’re more mature and statistics show married drivers get in fewer accidents.
  • High crash test scores lower rates – Cars with high safety ratings get lower rates. Safe vehicles have better occupant injury protection and fewer injuries means lower claim amounts passed on to you as lower rates. If your Chevy Cavalier scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.

Discounts mean cheaper Chevy Cavalier insurance rates

Insuring your vehicles can cost a lot, but you can get discounts that you may not even be aware of. Certain discounts will be triggered automatically when you quote, but some may not be applied and must be specially asked for in order for you to get them. If you aren’t receiving every discount available, you are paying more than you should be.

  • New Car Discount – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Life Insurance – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
  • Clubs and Organizations – Participating in a professional or civic organization may earn a discount when buying insurance coverage on Cavalier coverage.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you may save up to 20% off your total premium.
  • Accident Free – Good drivers with no accidents can save substantially compared to drivers who are more careless.

It’s important to understand that most discounts do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way. But all discounts will cut the cost of coverage.

Companies that may offer some of the above discounts include:

It’s a good idea to ask each company how you can save money. All car insurance discounts might not be offered everywhere.

Tailor your coverage to you

When choosing the best car insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s needs are different.

These are some specific questions might help in determining if your situation would benefit from an agent’s advice.

  • Is my ex-spouse still covered by my policy?
  • Do I need medical payments coverage since I have good health insurance?
  • Does my policy pay for OEM or aftermarket parts?
  • What is the minimum liability in my state?
  • Should I waive the damage coverage when renting a car?
  • How many claims can I have before being cancelled?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverages 101

Knowing the specifics of your policy aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Liability coverages – Liability insurance can cover damages or injuries you inflict on other’s property or people in an accident. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as court costs, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for expenses like chiropractic care, ambulance fees, dental work and X-ray expenses. 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 any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Chevy Cavalier.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive auto coverage – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, damage from a tornado or hurricane, hail damage, hitting a deer and hitting a bird. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage will pay to fix damage to your Cavalier caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a building, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Don’t throw your cash in the trash

Drivers switch companies for many reasons like not issuing a premium refund, policy non-renewal, being labeled a high risk driver or policy cancellation. No matter why you want to switch, choosing a new insurance company can be less work than you think.

In this article, we covered some good ideas how to compare 1991 Chevy Cavalier insurance prices online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even find the lowest rates come from some of the lesser-known companies.

Lower-priced insurance can be purchased online as well as from independent agents, so compare prices from both to have the best selection. Some insurance companies don’t offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

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