Compare 2001 Chevrolet Cavalier Car Insurance Quotes

Trying to find better insurance coverage rates for your Chevrolet Cavalier? Scraping up a payment for pricey Chevrolet Cavalier insurance can draw down your savings account and force you to make tough financial choices. Comparing price quotes can lower your rates and help to slash your bill and have more diposable income.

Since you have so many companies to choose from, it can be diffult for drivers to locate the lowest cost insurer.

It’s smart to compare rates every six months because prices change quite often. Even if you got the best rate on Cavalier coverage on your last policy there may be better deals available now. Don’t believe everything you read about insurance coverage out there, but we’re going to give you some excellent ideas to lower your insurance coverage premiums.

This information will teach you the best way to quote coverages and some tricks to saving. If you currently have car insurance, you will most likely be able to save some money using this information. But consumers need to have an understanding of the way companies sell insurance online and use this information to your advantage.

Verify you’re applying every discount

Some insurance providers do not list every discount in a way that’s easy to find, so below is a list both well-publicized as well as the least known discounts that you can inquire about if you buy auto insurance online.

  • Student Discounts – Being a good student can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Telematics Discount – Drivers who agree to allow driving data collection to scrutinize where and when they drive by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if their driving habits are good.
  • One Accident Forgiven – Not a discount per se, but some companies like GEICO, State Farm, and Progressive allow you one accident before your rates go up so long as you haven’t had any claims prior to being involved in the accident.
  • Military Deployment Discount – Being deployed with a military unit may lower your auto insurance rates slightly.
  • Multi-line Discount – Companies who offer life insurance give a lower premium rate if you buy some life insurance too.
  • Multi-car Discount – Buying insurance for multiple vehicles with one company qualifies for this discount.
  • Sign Early and Save – Select insurance companies give a discount for signing up before your current policy expires. You may see this discount when you get auto insurance quotes online.
  • Multiple Policy Discount – If you combine your auto and homeowners policies with the same insurance company you will save over 10 percent off each policy depending on the company.
  • Homeowners Savings – Owning a home may earn you a small savings because maintaining a house is proof that your finances are in order.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

To find insurance companies that have a full spectrum of discounts, click here.

How to shop insurance online

All the larger insurance companies allow consumers to get prices for coverage online. Getting quotes is pretty painless as all you need to do is type in your coverage information into a form. After you complete the form, their rating system requests reports for credit and driving violations and returns pricing information based on these and other factors. This helps simplify price comparisons, but the work required to visit many different websites and type in the same information gets old quite quickly. But it’s absolutely necessary to do this if you are searching for better prices.

A better way to compare rates uses one form to return rates from many companies. The form is fast, requires much less work on your part, and makes online quotes much more efficient. As soon as the form is sent, it is rated and you are able to buy any one of the pricing results.

If you find a better price you simply finish the application and buy the new coverage. This process just takes a couple of minutes and may save quite a bit of money.

To compare rates using this form now, click here and enter your vehicle and coverage information. If you have a policy now, it’s recommended you complete the form with deductibles and limits exactly as shown on your declarations page. Doing this assures you will have comparison quotes using the same coverage and limits.

When should I discuss my situation with an agent?

When it comes to choosing the right insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is unique so this has to be addressed. These are some specific questions might point out whether you may require specific advice.

  • How high should my uninsured/underinsured coverage be in my state?
  • What is the ISO rating for a 2001 Chevy Cavalier?
  • When do I need to add a new car to my policy?
  • What exactly is covered by my policy?
  • Do I have coverage if my license is suspended?
  • What is PIP insurance?
  • Does coverage extend to Mexico or Canada?
  • What is covered by UM/UIM coverage?
  • Is my 2001 Chevy Cavalier covered for smoke damage?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Parts of your insurance policy

Knowing the specifics of your insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages found on the average insurance policy.

Coverage for collisions

Collision insurance pays for damage to your Cavalier from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a ditch, backing into a parked car, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

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

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

Comprehensive insurance

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like theft, rock chips in glass, vandalism, hail damage and falling objects. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses like EMT expenses, pain medications and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverages

This protects you from damage or injury you incur to a person or their property. It protects you from claims by other people. It does not 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 liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like court costs, medical expenses and bail bonds. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

More choices the merrier

We’ve covered many ways to get a better price on 2001 Chevy Cavalier insurance. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding the cheapest auto insurance. You may even discover the lowest priced auto insurance comes from a small mutual company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.

When buying insurance coverage, it’s not a good idea to buy less coverage just to save a little money. In too many instances, drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at the best possible price, but do not sacrifice coverage to save money.

To learn more, take a look at the resources below: