1996 Chevrolet Cavalier Insurance Rates – 10 Tips for Cheapest Quotes

Want lower insurance rates for your Chevrolet Cavalier? Confused by the dozens of insurance options? Many other consumers are too. There are so many companies to choose from that it can be more work than you anticipated to find lower rates.

How to Lower Your Car Insurance Cost

Most companies like State Farm and Allstate allow you to get prices directly from their websites. Getting online rates doesn’t take much effort as you just enter the coverages you want into the quote form. Once entered, the system requests reports for credit and driving violations and gives you a price quote based on these factors.

Quoting online makes it a lot easier to compare rates but the time required to go to several different sites and type in the same information is monotonous and tiresome. But it’s very important to compare as many rates as possible if you are searching for the lowest possible prices on car insurance.

The easy way to compare rates

The quickest way to compare car insurance pricing utilizes a single form to obtain quotes from many companies. It saves time, eliminates repetitive work, and makes online shopping much simpler. As soon as you send your information, your coverage is rated and you can choose any of the quotes returned. If a lower price is quoted, it’s easy to complete the application and purchase the new policy. The entire process takes less than 15 minutes and can result in significant savings.

In order to fill out one form to compare multiple rates now, click here and submit your coverage information. If you have a policy now, it’s recommended you complete the form with the insurance coverages exactly as shown on your declarations page. This makes sure you’re receiving an apples-to-apples comparison for similar coverage.

Best discounts on 1996 Chevy Cavalier coverage

Companies don’t necessarily list all available discounts very clearly, so we researched some of the best known as well as the least known discounts you could be receiving.

  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more on Cavalier coverage than their less cautious counterparts.
  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with a substantially lower rate.
  • Accident Forgiveness – Some insurance companies will forgive one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Government Employees – Employees or retirees of the government may qualify you for a discount on Cavalier coverage with a few insurance coverage companies.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Claim Free – Drivers who don’t have accidents pay less compared to drivers who are more careless.
  • Homeowners Discount – Being a homeowner may earn you a small savings because owning a home shows financial diligence.
  • Multi-policy Discount – If you insure your home and vehicles with one company you could get a discount of 10% to 20% off each policy.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Most only apply to specific coverage prices like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way.

For a list of insurers offering insurance coverage discounts, click here.

Tailor your coverage to you

When buying proper insurance coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining whether your personal situation would benefit from professional advice.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does my insurance cover a custom paint job?
  • What companies insure drivers after a DUI or DWI?
  • Why am I required to buy liability insurance?
  • What happens if I owe more than my 1996 Chevy Cavalier is worth?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can I get a multi-policy discount?
  • How high should my medical payments coverage be?
  • Can I afford low physical damage deductibles?
  • Exactly who is provided coverage by my policy?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form.

Advertising myths

Car insurance providers like State Farm and Allstate constantly bombard you with ads on TV and radio. They all make the same claim of big savings if you switch to their company. But how can every company say the same thing?

All companies have a preferred profile for the driver that is profitable for them. A good example of a preferred risk might be profiled as between the ages of 40 and 55, owns a home, and has excellent credit. A propective insured who fits that profile will qualify for the lowest rates and most likely will pay quite a bit less when switching companies.

Potential insureds who don’t measure up to the “perfect” profile will be charged higher premiums which usually ends up with the customer not buying. The ad wording is “drivers who switch” not “everyone that quotes” save that kind of money. That’s why companies can advertise the way they do. That is why it’s extremely important to compare as many rates as you can. It’s impossible to know the company that will provide you with the cheapest Chevy Cavalier insurance rates.

Auto insurance coverages

Understanding the coverages of car insurance aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability car insurance

Liability insurance protects you from damage that occurs to other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for things like loss of income, repair costs for stationary objects, funeral expenses, bail bonds and court costs. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Chevy Cavalier.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like rehabilitation expenses, funeral costs and dental work. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverage

Collision coverage covers damage to your Cavalier from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a mailbox, driving through your garage door, colliding with another moving vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This coverage 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 coverage pays for things such as falling objects, rock chips in glass, a broken windshield, damage from a tornado or hurricane and damage from flooding. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Find Good Coverage for Less

When shopping online for car insurance, you should never buy poor coverage just to save money. There are a lot of situations where consumers will sacrifice liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Insureds switch companies for a number of reasons such as denial of a claim, unfair underwriting practices, being labeled a high risk driver and high prices. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.

In this article, we covered a lot of tips how to get a better price on 1996 Chevy Cavalier insurance. It’s most important to understand that the more providers you compare, the better your comparison will be. You may be surprised to find that the lowest rates come from a company that doesn’t do a lot of advertising.

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