How Much Does 1992 Chevrolet Cavalier Car Insurance Cost?

Finding a different company that has the cheapest auto insurance probably sounds like a formidable task if you have never taken advantage of rate quotes online. Don’t let that bother you because there is an easy way to compare rates.

If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these techniques. The purpose of this article is to instruct you on how to effectively get price quotes and some tricks to saving. But consumers must comprehend how the larger insurance companies determine prices and take advantage of how the system works.

How insurance companies determine Chevy Cavalier insurance rates

Consumers need to have an understanding of some of the things that help determine your auto insurance rates. If you know what determines premiums, this enables you to make decisions that may result in cheaper rates.

• Prevent your car from being stolen – Owning a car with advanced anti-theft systems can earn a premium discount. Systems that thwart theives such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
• Experienced drivers pay less – Older insureds are more cautious drivers, cost insurance companies less in claims and tend to be get fewer driving tickets.Inexperience drivers are statistically shown to be easily distracted when driving with friends so they pay higher auto insurance rates.
• Male prices may be higher – Over time, data shows that females take fewer risks when driving. However, this does not mean females are better at driving than males. Females and males have at-fault accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also tend to get more serious tickets like driving under the influence (DUI). Young males have the highest risk to insure so they pay the highest premiums.
• Multi-policy discounts can save money – Most insurance companies give better rates to clients that purchase more than one policy such as combining an auto and homeowners policy. The discount can add up to ten percent or more. Even if you already get this discount, drivers will still want to compare rates to guarantee you are still saving the most. Drivers may still find better rates even if you have your coverage with different companies
• Keep the miles off and save – The more you drive each year the more you will pay for auto insurance. A lot of insurance companies charge rates based upon how you use the vehicle. Autos that sit idle most of the time receive lower rates than vehicles that have high annual mileage. Ask your agent if your auto insurance coverage reflects the right rating data, because it can save money. An improperly rated Cavalier can cost quite a bit.
• Pay more if you have a long commute – Living in a small town can be a good thing when trying to find low car insurance rates. Less people translates into fewer accidents in addition to lower liability claims City drivers have congested traffic and longer commutes to work. Higher commute times means more chance of being in an accident.
• Traffic violations will cost you – Attentive drivers pay lower auto insurance prices compared to drivers with tickets. Having a single moving violation can bump up the cost substantially. Drivers who have received serious violations like reckless driving or DUI may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to prevent their license from being revoked.

The fastest way that we advise to compare insurance rates in your area is to know the fact most larger insurance companies actually pay money for the chance to provide you with a free rate quote. The one thing you need to do is provide a little information such as how much coverage you want, how much education you have, types of safety features, and driver details. Your insurance information is instantly submitted to multiple top-rated companies and they return rate quotes instantly.

To find lower rates now, click here then complete the form.

Discounts can really help save money

Auto insurance companies don’t always list all available discounts in a way that’s easy to find, so the below list has a few of the more well known in addition to some of the lesser obvious credits available to you.

• Include Life Insurance and Save – Not all insurance carriers offer life insurance, but some may give you a lower premium rate if you buy life insurance.
• Driver Education Discount – Teen drivers should successfully complete driver’s ed class as it can save substantially.
• Discounts for New Vehicles – Insuring a new car can save up to 30% because newer vehicles keep occupants safer.
• Student in College – Children who are attending college and don’t have a car could get you a discount.
• Good Driver Discount – Safe drivers can get discounts for up to 45% lower rates on Cavalier coverage than less cautious drivers.
• Memberships – Joining qualifying employment or professional organizations is a simple method to lower premiums on your next insurance statement.
• Low Miles Discount – Maintaining low annual mileage may enable drivers to earn slightly better insurancerates than normal.
• Sign Online – Some insurance companies will provide an incentive for completing your application online.
• Military Deployment Discount – Having a family member in the military could trigger a small discount.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. A few only apply to specific coverage prices like liability and collision coverage. Despite the appearance that you could get a free insurance policy, it just doesn’t work that way.

A few of the larger companies and some of the premium reductions they offer include:

• Geico may offer discounts for membership and employees, anti-lock brakes, multi-policy, defensive driver, anti-theft, federal employee, and seat belt use.
• USAA has savings for driver training, new vehicle, annual mileage, defensive driver, family discount, and multi-vehicle.
• Progressive offers premium reductions for online quote discount, homeowner, good student, multi-vehicle, continuous coverage, and multi-policy.
• American Family includes discounts for TimeAway discount, multi-vehicle, good student, air bags, bundled insurance, and early bird.
• Esurance offers discounts including good driver, emergency road assistance, anti-lock brakes, multi-car, and defensive driver.
• Farmers Insurance has discounts for youthful driver, alternative fuel, business and professional, distant student, switch companies, mature driver, and early shopping.
• State Farm may include discounts for defensive driving training, accident-free, safe vehicle, driver’s education, student away at school, passive restraint, and good driver.

If you need inexpensive auto insurance quotes, ask every insurance company how many discounts you can get. Some discounts may not apply in your area.

Will just any policy work for me?

When it comes to choosing coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions might point out if your situation could use an agent’s help.

• How much can I save by bundling my policies?
• How do I buy GAP insurance?
• Am I covered when driving in Canada or Mexico?
• Is my 1992 Chevy Cavalier covered for smoke damage?
• What should my uninsured motorist coverage limits be in my state?
• Why does it cost so much to insure a teen driver?
• Is my teenager covered with friends in the car?
• Am I insured when driving a different vehicle?
• Should I waive the damage coverage when renting a car?
• Do I need more liability coverage?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Coverages available on your insurance policy

Having a good grasp of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your 1992 Chevy Cavalier.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for nursing services, funeral costs, chiropractic care, doctor visits and rehabilitation expenses. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers you and your occupants in addition to getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Liability

This will cover injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against other people’s claims. It does not 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. You might see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like attorney fees, emergency aid, repair costs for stationary objects and court costs. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision protection

This pays for damage to your Cavalier resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like driving through your garage door, hitting a mailbox, colliding with another moving vehicle, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from getting keyed, fire damage and vandalism. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Never pay more for less

In this article, we covered some good ideas how you can get a better price on 1992 Chevy Cavalier insurance. The most important thing to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. You may be surprised to find that the most savings is with a small mutual company.

While you’re price shopping online, you should never buy poor coverage just to save money. There are too many instances where someone dropped liability coverage limits and found out when filing a claim that the small savings ended up costing them much more. Your focus should be to get the best coverage possible for the lowest cost and still be able to protect your assets.

Some insurance providers do not offer price quotes online and many times these regional carriers only sell through independent agencies. Cost effective 1992 Chevy Cavalier insurance is possible both online and from local agencies, so you should compare both to get a complete price analysis.

Additional insurance coverage information is available below:

• Auto Insurance FAQ (Farmers Insurance)
• Get the Right Protection (InsureUonline.org)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Vehicle Insurance (Wikipedia)