2002 Chevrolet Cavalier Insurance Quotes – 9 Tips to Save

Want cheaper insurance coverage rates for your Chevrolet Cavalier? If you’re new to shopping for insurance coverage online, it’s easy to be confused due to the large number of online companies offering coverage.

It is always a good idea to shop coverage around on a regular basis because rates change regularly. If you had the best rates on Cavalier insurance a year ago you can probably find a better price now. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to how to use online quotes to reduce your cost while improving coverage.

Choosing the best insurance company for you is not rocket science. If you currently have a car insurance policy, you will be able to lower your premiums substantially using this strategy. But drivers must understand the way companies market on the web and use this information to your advantage.

Low Cost Car Insurance

There are a lot of ways to compare car insurance prices but there is one way that is more efficient than others. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you can stay home and use online quotes to get pricing more quickly.

Many of the larger companies take part in a program that enables customers to enter their policy data once, and each company can give them a price based on the submitted data. This system prevents you from having to do form submissions for every car insurance company. To submit your quote information now, click here to open in new window.

The only downside to using this type of form is you are unable to specify which carriers to receive prices from. So if you want to select specific providers to receive pricing from, we have a page of car insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just make darn sure you compare the exact same information with each company. If you have different liability limits it’s not possible to determine the lowest rate for your Chevy Cavalier. Just a small difference in coverage limits could mean much higher rates. And when comparing car insurance rates, know that obtaining a wide range of quotes provides better odds of finding the best price.

Lots of discounts mean lots of savings

Car insurance companies do not advertise every available discount very well, so the following is a list of some of the more common as well as the least known savings tricks you should be using.

Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for reduced rates on Cavalier insurance.
No Claims – Claim-free drivers can save substantially when compared with frequent claim filers.
Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
Club Memberships – Being a member of a civic or occupational organization could qualify you for a break on insurance coverage on Cavalier insurance.
Save with a New Car – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
E-sign – Some insurance companies may give you up to $50 simply for signing digitally online.
Government Employees – Active or retired federal employment can earn a discount up to 10% on Cavalier insurance depending on your company.
Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.

Keep in mind that most discount credits are not given to the overall cost of the policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, it just doesn’t work that way.

For a list of providers who offer insurance coverage discounts, follow this link.

Situations that might require an agent

When it comes to choosing coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining whether your personal situation may require specific advice.

Can I rate high risk drivers on liability-only vehicles?
How much liability do I need to cover my assets?
Why am I be forced to buy a membership to get insurance from some companies?
Does my policy cover me when driving someone else’s vehicle?
Does insurance cover tools stolen from my truck?
Is my custom paint covered by insurance?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance coverage information

Knowing the specifics of your car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Chevy Cavalier.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, hitting a bird and falling objects. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for liability

This coverage provides protection from damage that occurs to people or other property. This insurance protects YOU from legal claims by others. Liability 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 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things like repair costs for stationary objects, funeral expenses, attorney fees and medical services. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Coverage for collisions

Collision coverage will pay to fix damage to your Cavalier from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like damaging your car on a curb, crashing into a ditch, driving through your garage door, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses like prosthetic devices, rehabilitation expenses, pain medications, doctor visits and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay