1990 Chevrolet Cavalier Insurance Rates – 8 Tricks for Best Quotes

Consumers not familiar with buying insurance online will find purchasing cut-rate auto insurance quite difficult.

Finding Insurance Coverage Deals

Performing a rate comparison can take time and effort if you don’t understand the easiest way. You could waste time discussing policy coverages with insurance companies in your area, or you could save time and use online quoting to get rates in a matter of minutes.

Many companies enroll in a system that enables customers to send in one quote, and each participating company provides a quote based on that information. This prevents consumers from doing quote requests to each company. To use this form to compare 1990 Chevy Cavalier insurance rates click here to open in new window.

One minor caviat to pricing coverage this way is you cannot specify the providers to receive prices from. So if you prefer to pick specific providers to compare, we put together a list of the cheapest insurance coverage companies in your area. Click here to view list.

Whichever way you use, make darn sure you compare apples-to-apples deductibles and coverage limits with each company. If you enter different liability limits then you won’t be able to determine the best price for your Chevy Cavalier. Slightly different limits may cause a big price difference. And when quoting insurance coverage, remember that quoting more helps you find lower pricing.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there really is no one size fits all plan. Each situation is unique.

Here are some questions about coverages that can aid in determining if you might need an agent’s assistance.

  • What is high-risk coverage and where do I buy it?
  • Does having multiple vehicles earn me a discount?
  • Is my custom paint covered by insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • What if I owe more than I can insure my car for?
  • Can I make deliveries for my home business?
  • At what point should I drop full coverage?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Parts of your insurance policy

Knowing the specifics of a insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Chevy Cavalier.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical costs insurance

Med pay and PIP coverage pay for expenses for nursing services, EMT expenses, dental work, prosthetic devices and pain medications. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Auto collision coverage

This coverage covers damage to your Cavalier resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like scraping a guard rail, hitting a parking meter and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from flooding, damage from getting keyed, rock chips in glass and hitting a bird. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability coverage provides protection from injuries or damage you cause to a person or their property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as legal defense fees, medical services and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.