2004 Chevrolet Cavalier Car Insurance Quotes – 10 Policy Discounts

Trying to find cheaper auto insurance rates for your Chevrolet Cavalier? Searching for cheaper insurance for a new or used Chevy Cavalier can normally be difficult, but you can follow the following methods to make it easier. There is a right way and a wrong way to buy auto insurance so we’re going to tell you the proper way to quote coverages on a Chevy and locate the lowest price.

If you are insured now or need a new policy, you can use these tips to get lower rates and still get good coverage. Finding affordable insurance coverage is simple if you know the tricks. Drivers only need to know the proper way to compare rates online.

Ways to get auto insurance rate quotes

Effectively comparing auto insurance prices can take hours if you don’t understand the most efficient way. You can spend your afternoon driving to insurance agencies in your area, or you could use the web to get the quickest rates.

Most of the larger companies belong to an insurance system where prospective buyers complete one form, and every company can give them a price for coverage. This eliminates the need for quotation requests to every company.

To compare rates using this form now click here (opens in new window).

The only downside to doing it this way is that consumers can’t choose the insurers you want to price. If you would rather choose specific providers for rate comparison, we put together a list of auto insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but make sure you use the exact same coverage information for each comparison quote. If the quotes have different values for each quote then you won’t be able to get a fair rate comparison.

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Are you falling for claims of savings?

Consumers constantly see and hear ads for cheaper car insurance by Progressive, Allstate and Geico. They all state the claim that people will save if you just switch to their company.

How can each company make almost identical claims? This is the trick they use.

Many companies have an ideal profile for the type of insured that is profitable for them. For instance, a desirable insured could be a female over age 40, owns their home, and drives a car with an anti-theft system. Anyone who meets those qualifications will probably get cheap auto insurance rates as well as save when they switch companies.

Consumers who cannot meet the requirements will be charged higher premiums which leads to the customer buying from someone else. The ad wording is “customers who switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way insurance companies can lure you into getting a quote. Each company has different criteria, so drivers should get as many free insurance quotes as possible. It’s impossible to know which car insurance company will give you the biggest savings.

Do you qualify for these ten discounts?

Companies that sell car insurance don’t always advertise every discount they offer in an easy-to-find place, so the next list breaks down a few of the more common as well as the least known credits that you can use to lower your rates.

• ABS Braking Discount – Vehicles equipped with ABS or steering control can reduce accidents so companies give up to a 10% discount.
• Discounts for Multiple Vehicles – Buying a policy with primary and secondary vehicles with one company can get a discount on all vehicles.
• Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt could save 15% on the premium charged for medical payments and/or PIP.
• New Vehicle Savings – Buying a new car model can cost up to 25% less since newer models are generally safer.
• Payment Discounts – If you pay your bill all at once as opposed to paying monthly you may have a lower total premium amount.
• Auto/Life Discount – Larger insurance companies have a lower premium rate if you buy some life insurance in addition to your auto policy.
• Accident Forgiveness – but certain companies may permit one accident without raising rates if your claims history is clear prior to the accident.
• Senior Citizen Rates – If you qualify as a senior citizen, you may receive a slight reduction on a insurance quote for Cavalier coverage.
• Early Signing – A few insurance companies allow discounts for switching policies before your current policy expires. Ten percent is about the average savings.
• Low Mileage Discounts – Low mileage vehicles could earn slightly better car insurancerates than normal.

Consumers should know that many deductions do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, you’re out of luck.

Some of the insurance companies that may offer policyholders these money-saving discounts include:

• State Farm
• Nationwide
• Geico
• AAA
• 21st Century
• The Hartford

Before you buy a policy, ask every insurance company which discounts they offer. Some of the discounts discussed earlier might not be available to policyholders in your area. To view insurance companies that offer the discounts shown above, click this link.

Don’t assume everyone needs the same car insurance coverage

When it comes to buying coverage, there really is not a best way to insure your cars. Everyone’s needs are different.

For instance, these questions could help you determine if you might need an agent’s assistance.

• How can I find cheaper teen driver insurance?
• What happens if I owe more than my 2004 Chevy Cavalier is worth?
• Can my teen driver be rated on a liability-only vehicle?
• Am I covered if I drive in a foreign country?
• Do I have coverage when pulling a U-Haul trailer?
• Exactly who is provided coverage by my policy?
• Where can I find high-risk insurance?
• What companies insure drivers after a DUI or DWI?
• What are the best liability limits?
• What is high-risk coverage and where do I buy it?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

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Coverages available on your policy

Understanding the coverages of auto insurance can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for short-term medical expenses such as hospital visits, doctor visits, funeral costs, X-ray expenses and pain medications. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive auto coverage – This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hitting a bird, a tree branch falling on your vehicle and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverage – Liability coverage protects you from damage that occurs to a person or their property that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as medical services, repair bills for other people’s vehicles, bail bonds and funeral expenses. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your 2004 Chevy Cavalier.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Collision – Collision insurance pays for damage to your Cavalier resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as scraping a guard rail, hitting a parking meter, colliding with another moving vehicle, damaging your car on a curb and sideswiping another vehicle. 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.

Be a smart shopper

Lower-priced car insurance can be bought on the web and from local insurance agents, so you need to shop insurance with both to have the best chance of lowering rates. Some car insurance companies don’t offer price quotes online and most of the time these small insurance companies only sell coverage through independent insurance agents.

Throughout this article, we presented a lot of tips how to get a better price on 2004 Chevy Cavalier insurance. It’s most important to understand that the more price quotes you have, the better likelihood of getting the cheapest insurance. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising.

When shopping online for car insurance, you should never skimp on coverage in order to save money. There have been many cases where consumers will sacrifice liability limits or collision coverage only to discover later that the savings was not a smart move. The ultimate goal is to purchase plenty of coverage for the lowest cost while still protecting your assets.

Additional detailed information is available by following these links:

• Choosing a Car for Your Teen (State Farm)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• Side Impact Crash Tests (iihs.org)
• How to Avoid Common Accidents (State Farm)

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