Cheap 1994 Chevrolet Cavalier Insurance Cost

Want the cheapest insurance rates for your Chevrolet Cavalier? Are you tired of trying to scrape together enough money to insure your Chevy every month? You are no different than many other drivers. Many auto insurance companies compete for your insurance dollar, so it’s not easy to compare every insurance company and get the definite lowest rate

It’s a good idea to shop coverage around at least once a year since insurance rates are constantly changing. Even if you think you had the best deal on Cavalier coverage last year there is a good chance you can find better rates now. Starting right now, forget anything you know (or think you know) about insurance because you’re going to get a crash course in how to quote online to properly buy coverages and cut your premium.

If you have a policy now or are shopping for new coverage, you can learn to shop for the lowest rates while maximizing coverage. Finding the best rates is not that difficult. Drivers just need to know how to compare price quotes over the internet.

Lower rates by qualifying for discounts

Car insurance can cost a lot, but there could be available discounts that can drop the cost substantially. Some discounts apply automatically at the time of purchase, but some must be asked for before you will receive the discount. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Distant Student – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Multiple Vehicles – Insuring multiple vehicles on one policy qualifies for this discount.
  • 55 and Retired – Mature drivers may qualify for better car insurance rates on Cavalier coverage.
  • Discounts for Safe Drivers – Safe drivers may save up to 50% more on Cavalier coverage than drivers with accidents.
  • Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
  • Low Mileage – Keeping the miles down on your Chevy can qualify you for lower rates on the low mileage vehicles.
  • Life Insurance – Some companies give a break if you buy auto and life insurance together.

Keep in mind that some credits don’t apply the the whole policy. The majority will only reduce individual premiums such as collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, you’re out of luck. But any discount will bring down your premiums.

To see a list of providers with the best car insurance discounts, click here to view.

Comprehensive Auto Insurance Comparison

Performing a rate comparison can take time and effort if you don’t utilize the fastest way to get free quotes. You could waste time talking about coverages with insurance companies in your area, or you could save time and use online quotes to get prices fast.

Many insurance companies participate in an industry program that allows shoppers to submit their information once, and each participating company can provide price quotes based on the submitted data. This prevents consumers from doing quotation requests to each individual auto insurance company.

To get comparison pricing now click to open in new window.

One minor caviat to pricing coverage this way is you cannot specify the companies you will receive quotes from. So if you prefer to choose individual companies for rate comparison, we put together a list of auto insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just ensure you are comparing the exact same coverage information for every quote you compare. If you use different values for each quote it’s impossible to determine which rate is truly the best.

Some factors that can determine what Chevy Cavalier insurance costs

It’s important that you understand the rating factors that play a part in calculating car insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that can help you get big savings.

  • Do you need those extra coverages? – There are many additional coverages that you can get tricked into buying if you aren’t careful. Things like personal injury protection, accidental death and term life insurance are some examples. They may seem like a good idea when talking to your agent, but if they’re wasting money remove them from your policy.
  • High numbers of claims are not good – Auto insurance companies provide better rates to insureds who are claim-free. If you file claims often, you can look forward to either higher rates or even cancellation. Insurance coverage is designed for larger claims.
  • Rates may be higher depending on your occupation – Careers like real estate brokers, business owners and stock brokers tend to pay the highest rates due to job stress and long work hours. On the other hand, occupations like farmers, students and the unemployed have the lowest average rates on Cavalier coverage.
  • Drive less and save money – The higher the mileage driven every year the more you will pay for car insurance. Most insurance companies rate vehicles based upon how you use the vehicle. Cars left parked in the garage qualify for better rates than vehicles that are driven to work every day. Having the wrong rating on your Cavalier can result in significantly higher rates. Make sure your car insurance declarations sheet is rated on the correct usage for each vehicle.
  • Protect yourself with liability coverage – Liability coverage is the coverage that protects you when you are found liable for damages caused by your negligence. Liability provides legal defense starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.

Car insurance is unique, just like you

When buying the best insurance coverage coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. For example, these questions can help discover whether or not you would benefit from professional advice.

  • Is extra glass coverage worth it?
  • Can I get a multi-policy discount?
  • When can I cancel my policy?
  • Am I covered if I wreck a rental car?
  • Are all vehicle passengers covered by medical payments coverage?
  • Should I have a commercial auto policy?
  • Where can I get insurance after a DUI in my state?
  • Do I need motorclub coverage?
  • Am I missing any policy discounts?
  • How do I buy GAP insurance?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Misconceptions in auto insurance advertisements

Consumers can’t get away from ads that promise big savings by Progressive, GEICO, Allstate and State Farm. All the ads say the same thing of big savings if you switch to their company.

How can each company make the same claim? This is how they do it.

All companies are able to cherry pick for the type of customer that earns them a profit. For example, a driver they prefer might be profiled as between the ages of 40 and 55, has no driving citations, and has a short commute. A customer who fits that profile will qualify for the lowest rates and most likely will save a lot of money.

Potential customers who don’t meet the requirements will be charged a more expensive rate which leads to business not being written. The ads state “customers who switch” not “people who quote” save that much money. This is how companies can truthfully make those claims.

That is why drivers must compare many company’s rates. It’s just too difficult to predict which auto insurance company will have the lowest Chevy Cavalier insurance rates.

Car insurance coverage information

Having a good grasp of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement. Shown next are typical coverage types found on most insurance policies.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sideswiping another vehicle, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Coverage for liability

This coverage can cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as pain and suffering, court costs, medical services and funeral expenses. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Chevy Cavalier.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually these coverages are set the same as your liablity limits.

Comprehensive protection

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like rock chips in glass, hitting a deer, hitting a bird and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like dental work, pain medications and funeral costs. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Get your money’s worth

You just read many tips how you can shop for 1994 Chevy Cavalier insurance online. It’s most important to understand that the more providers you compare, the better your comparison will be. Drivers may discover the best prices are with some of the lesser-known companies. Some small companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate and Progressive.

Cost effective insurance can be bought on the web and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

As you shop your coverage around, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed full coverage and found out when filing a claim they didn’t have enough coverage. The aim is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

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