Save on 1999 Chevrolet Cavalier Insurance Rates

Want the cheapest auto insurance rates for your Chevrolet Cavalier? Have you had enough of being strong-armed to pay your car insurance bill each month? You are no different than most other car owners. Many insurance companies compete for your hard-earned dollar, so it can be very hard to choose a company to get the lowest rate

You need to do rate comparisons quite often since insurance rates are constantly changing. Just because you found the best deal on Cavalier coverage a couple years back the chances are good that you can find a lower rate today. You’ll find quite a bit of inaccurate information about auto insurance on the web, but I’m going to show you some proven techniques to reduce your auto insurance bill.

More discounts equal less premium

Companies offering auto insurance don’t list every available discount in an easy-to-find place, so the following is a list of both the well known and the more hidden discounts you could be receiving. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Clubs and Organizations – Affiliation with a civic or occupational organization could trigger savings on your policy on Cavalier coverage.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Chevy could qualify for a substantially lower rate.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Safety Course Discount – Taking part in a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • College Student – Any of your kids living away from home attending college and don’t have a car may be able to be covered for less.
  • No Charge for an Accident – Certain companies permit an accident before raising your premiums as long as you don’t have any claims prior to the accident.

Keep in mind that most of the big mark downs will not be given to the entire cost. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, you won’t be that lucky.

To see a list of providers with discount car insurance rates, click here to view.

It’s not one size fits all

When it comes to choosing the best auto insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Each situation is unique so your insurance needs to address that. These are some specific questions may help you determine whether you may require specific advice.

  • Do I need an umbrella policy?
  • What exactly is covered by my policy?
  • I have health insurance so do I need medical payments coverage?
  • Is there coverage for injuries to my pets?
  • Does car insurance cover theft of personal property?
  • Should I get collision insurance on every vehicle?
  • What can I do if my company won’t pay a claim?
  • Is my custom paint covered by insurance?
  • What is covered by UM/UIM coverage?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage information

Knowing the specifics of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverages offered by insurance companies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like funeral costs, rehabilitation expenses and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage

This provides protection when other motorists do not carry enough liability coverage. This coverage pays 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 a good idea.

Auto collision coverage

Collision insurance covers damage to your Cavalier resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like driving through your garage door, hitting a mailbox, scraping a guard rail, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability car insurance

Liability insurance will cover damage or injury you incur to people or other property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for claims like legal defense fees, medical services, loss of income, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like theft, hitting a bird and vandalism. The most 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.

In conclusion

Low-cost 1999 Chevy Cavalier insurance is definitely available from both online companies in addition to many insurance agents, and you need to comparison shop both to have the best selection. A few companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When shopping online for car insurance, never buy poor coverage just to save money. There have been many situations where an insured cut comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

We just presented a lot of ways to compare insurance prices online. 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 best prices are with the least-expected company. Regional companies can often insure niche markets at a lower cost compared to the large companies like State Farm, Geico and Nationwide.

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