Drivers have a choice when trying to find low-cost Chevy Cavalier insurance. You can either spend your time struggling with agents trying to get quotes or use the internet to get rate quotes. There is a better way to buy car insurance and you need to know the best way to compare rates for a Chevy and find the lowest possible price from local insurance agents and online providers.
Buying car insurance is quite easy. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Drivers just need to learn how to compare rates online.
These factors can influence Chevy Cavalier insurance rates
Smart consumers have a good feel for some of the elements that come into play when calculating your car insurance rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that may reward you with big savings.
The list below includes some of the factors used by your company to calculate rates.
- Low deductibles can be expensive – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Chevy. Some instances where coverage would apply could be colliding with a building, damage caused by hail, and burglary. The deductibles are how much you are required to spend before a claim is paid by your company. The more you are required to pay out-of-pocket, the bigger discount you will receive for Cavalier coverage.
- Special features that cut premiums – Choosing a vehicle with an alarm system can help lower your rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your vehicle from being stolen.
- Big city or small town – Living in a small town can save you money when talking about car insurance. Lower population means a lower chance of having an accident as well as less vandalism and auto theft. Urban drivers have traffic congestion and longer commute times. More time commuting can result in more accidents.
- Do you need those extra coverages? – There are a lot of additional coverages you can purchase on your Cavalier policy. Things like rental car reimbursement, better glass coverage and term life insurance are examples of these. These may sound like a good investment initially, but if they’re wasting money remove them from your policy.
Compare the Market for Car Insurance
Finding a lower price on Chevy Cavalier insurance can be surprisingly simple. The only thing you need to do is take time comparing rate quotes provided by online insurance companies. This can be done in just a few minutes using one of these methods.
- The most efficient way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This form eliminates the need for repetitive form entry for each company you want a rate for. Filling out one form will get you rate comparisons instantly. This is by far the quickest method.
- Another way to obtain and compare quotes online is to take the time to go to the website for each individual company and fill out their own quote form. For examples sake, let’s assume you want comparison quotes from Liberty Mutual, Allstate and Travelers. To get rate quotes you would need to take the time to go to each site and enter your information, which is why most consumers use the first method.
To view a list of companies in your area, click here.
It’s your choice how you get your quotes, but make absolute certain that you use exactly the same deductibles and coverage limits for each price quote. If the quotes have unequal deductibles or liability limits it’s impossible to find the best deal for your Chevy Cavalier.
Discounts are basically free money
Car insurance companies don’t always publicize every available discount very well, so the following is a list of some of the best known as well as the least known savings tricks you should be using. If you don’t get every credit you deserve, you’re paying more than you need to.
- Defensive Driving Course – Completing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
- Air Bag Discount – Vehicles with factory air bags can get savings up to 30%.
- Payment Method – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
- No Claims – Drivers with accident-free driving histories pay less when compared with accident-prone drivers.
- Federal Employees – Active or retired federal employment may qualify you for a discount for Cavalier coverage with select insurance companies.
A little note about advertised discounts, many deductions do not apply to the entire cost. Most only apply to individual premiums such as comprehensive or collision. Just because you may think you could get a free car insurance policy, it doesn’t quite work that way.
To see a list of companies who offer car insurance discounts, follow this link.
Which insurance is the “right” coverage?
When buying proper insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.
For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Does my insurance cover damage caused when ticketed for reckless driving?
- When do I need to add a new car to my policy?
- Why am I be forced to buy a membership to get insurance from some companies?
- Does liability extend to a camper or trailer?
- How high should my uninsured/underinsured coverage be in my state?
- I don’t drive much so do I pay less?
- How many claims can I have before being cancelled?
- Do I have any recourse if my insurance company denies a claim?
If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can help protect your family.
Best coverage at the best price
As you restructure your insurance plan, never skimp on coverage in order to save money. There have been many situations where an accident victim reduced comprehensive coverage or liability limits and learned later that it was a big mistake. The proper strategy is to buy enough coverage for the lowest price while still protecting your assets.
Cheaper Chevy Cavalier insurance is possible online and also from your neighborhood agents, so compare prices from both to have the best chance of lowering rates. A few companies may not provide online quoting and most of the time these smaller companies sell through independent agents.
You just learned some good ideas how you can lower your Chevy Cavalier insurance rates. The key thing to remember is the more quotes you get, the better chance you’ll have of finding lower rates. You may even find the lowest rates come from a smaller regional carrier.
