How Much Does 1994 Chevrolet Cavalier Insurance Cost?

If you’re new to shopping for insurance coverage online, you may be confused by the vast number of online companies offering insurance.

It’s a good idea to shop coverage around on a regular basis since insurance rates are variable and change quite frequently. Even if you think you had the best deal for Cavalier coverage on your last policy you will most likely find a better rate today. Forget all the misinformation about insurance coverage because we’re going to demonstrate the tricks you need to know to get good coverage at a lower rate.

Insurance Coverage Prices

There are multiple methods to compare 1994 Chevy Cavalier insurance coverage quotes, but one way is easier and takes less work. You can waste hours driving to insurance companies in your area, or you can stay home and use online quoting to get rates in a matter of minutes.

Many insurance companies enroll in a system where insurance shoppers enter their coverage request one time, and each participating company provides a quote for coverage. This prevents consumers from doing repetitive form submissions for every insurance coverage company. To find out how much you’re overpaying now click here to start a free quote.

The only drawback to doing it this way is you can’t choose the providers to get quotes from. So if you want to choose specific providers to compare prices, we put together a list of low cost insurance coverage companies in your area. Click to view list.

It’s up to you which method you use, but double check that you are using apples-to-apples quote information for every company. If your comparisons have unequal deductibles or liability limits it’s not possible to find the best deal for your Chevy Cavalier. Slightly different insurance coverages may result in large price differences. It’s important to know that having more price comparisons helps you find the best rates.

Policy discounts you shouldn’t miss

The cost of insuring your cars can be expensive, but you may find discounts that many people don’t even know exist. A few discounts will automatically apply at quote time, but some may not be applied and must be inquired about in order for you to get them.

  • Resident Student – Youth drivers who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • No Accidents – Good drivers with no accidents can save substantially compared to bad drivers.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy could earn a price break for each car.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts could cut 10% or more off your PIP or medical payments premium.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you may earn at least 10% off all policies.
  • Clubs and Organizations – Participating in a professional or civic organization may earn a discount when buying auto insurance for Cavalier coverage.

As a disclaimer on discounts, some credits don’t apply to the overall cost of the policy. Some only apply to specific coverage prices like comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck. But all discounts will cut your overall premium however.

To see a list of insurance companies who offer auto insurance discounts, click here to view.

Insurance agents can help

When buying the right insurance coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Why does it cost so much to insure a teen driver?
  • Am I covered when delivering products for my home-based business?
  • Is upholstery damage covered by car insurance?
  • Are my tools covered if they get stolen from my vehicle?
  • Should I have combined single limit or split liability limits?
  • Do I pay less for low miles?
  • Am I covered if I break a side mirror?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Car insurance coverage basics

Knowing the specifics of a car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for hospital visits, nursing services and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Auto liability – This coverage provides protection from damage or injury you incur to people or other property. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like funeral expenses, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your 1994 Chevy Cavalier.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as fire damage, hitting a deer and falling objects. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverages – Collision coverage covers damage to your Cavalier resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like driving through your garage door, crashing into a ditch, rolling your car and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Be Smart and Buy Smart

In this article, we presented many tips how you can get a better price on 1994 Chevy Cavalier insurance. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even find the most savings is with a company that doesn’t do a lot of advertising.

As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. In many instances, someone sacrificed uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.

Cheap insurance is definitely available both online in addition to many insurance agents, so compare prices from both to get a complete price analysis. Some insurance providers do not provide the ability to get a quote online and these small insurance companies work with independent agents.

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