1994 Chevrolet Cavalier Insurance Cost

Looking for lower auto insurance rates for your Chevrolet Cavalier? Are you overwhelmed by the dozens of auto insurance company choices? You’re not alone. Drivers have so many choices that it can easily become a ton of work to find better rates.

It’s a good habit to compare rates at least once a year since insurance rates trend upward over time. If you had the lowest price for Cavalier insurance a year ago a different company probably has better rates today. You can find a lot of misleading information regarding auto insurance online, so I’m going to show you some excellent ideas to slash your auto insurance rates.

Finding Insurance

The are a couple different ways to compare rate quotes from local insurance companies. By far the easiest way to find competitive 1994 Chevy Cavalier insurance rates involves getting comparison quotes online. This can be done in just a few minutes using one of these methods.

  • The most efficient way to get quotes is to use a rate comparison form like this one (opens in new window). This form saves time by eliminating a different quote to each individual insurance company. A single form gets you coverage quotes from insurance companies with the best prices. It’s definitely the quickest method.
  • A more difficult way to get comparison quotes consists of visiting each individual company website and request a quote. For examples sake, we’ll pretend you want to compare Geico, Liberty Mutual and Travelers. To find out each rate you need to go to every website to input your insurance information, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

Whichever way you use, ensure you’re using identical coverages and limits for each comparison quote. If each company quotes different limits and deductibles on each one it will be very difficult to decipher which rate is best. Quoting even small variations in insurance coverages may result in large price differences. It’s important to know that quoting more gives you a better chance of getting the best rates.

Do you qualify for discounts?

Car insurance companies do not list every discount in an easy-to-find place, so we researched both well-publicized and the more hidden car insurance savings.

  • Multiple Vehicles – Buying coverage for multiple vehicles on the same car insurance policy qualifies for this discount.
  • E-sign – Some insurance companies may give you up to $50 for buying your policy over the internet.
  • No Charge for an Accident – Some insurance companies allow you one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Homeowners Savings – Owning a home can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off for Cavalier insurance depending on your company.
  • Student Driver Training – Have your child complete a driver education course in high school.

Consumers should know that most discount credits are not given to the entire cost. Some only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, companies don’t profit that way.

Companies who might offer some of the above discounts include:

It’s a good idea to ask each insurance company which discounts they offer. All car insurance discounts might not apply in your state.

Factors that might impact rates for a Chevy Cavalier

Consumers need to have an understanding of the different types of things that go into determining auto insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that can help you get lower auto insurance prices.

Listed below are a partial list of the pieces used by your company to calculate your rates.

  • High credit ratings translate to low rates – Your credit history is a important factor in determining your rates. So if your credit is not that good, you could be paying less to insure your 1994 Chevrolet Cavalier by spending a little time repairing your credit. People with high credit scores tend to be more responsible as compared to drivers with lower credit scores.
  • Males pay more for insurance – Statistics have proven that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. Men and women cause accidents at a similar rate, but the males tend to have more serious accidents. They also get cited for more serious violations such as DWI and reckless driving.
  • Your spouse saves you money – Having a spouse can actually save you money on your policy. It translates into being more responsible and it’s statistically proven that being married results in fewer claims.
  • Don’t sacrifice liability coverage – Liability insurance is the coverage that protects you in the event that you are found liable for damages from an accident. It provides you with a defense in court which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.
  • Higher deductibles cost less – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Chevy. Some instances where coverage would apply would be running into the backend of another car, damage caused by hail, and windstorm damage. Your deductibles are how much you are required to spend out-of-pocket before a claim is paid by your company. The more expense you are required to pay out-of-pocket, the less your auto insurance will be for Cavalier insurance.

Don’t assume everyone needs the same coverage

When it comes to buying the right insurance coverage, there is no “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that may help you determine if your insurance needs might need an agent’s assistance.

  • What companies insure drivers after a DUI or DWI?
  • When would I need additional glass coverage?
  • Do I need PIP coverage since I have good health insurance?
  • I have health insurance so do I need medical payments coverage?
  • Is my state a no-fault state?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does my 1994 Chevy Cavalier qualify for pleasure use?
  • Is my 1994 Chevy Cavalier covered for smoke damage?
  • Are my tools covered if they get stolen from my vehicle?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.

Car insurance coverage information

Having a good grasp of a car insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Collision insurance

Collision coverage will pay to fix damage to your Cavalier resulting 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 insurance covers things such as rolling your car, colliding with a tree, backing into a parked car, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Liability car insurance

This can cover damage that occurs to other people or property by causing an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like medical services, legal defense fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, hail damage, hitting a bird, theft and rock chips in glass. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as chiropractic care, prosthetic devices, pain medications and nursing services. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Save your hard earned cash

Cheap 1994 Chevy Cavalier insurance is available online in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some companies do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

We just presented many ideas to save on insurance. The key concept to understand is the more quotes you get, the better likelihood of reducing your rate. Consumers may even find the best prices are with the smaller companies.

When buying insurance coverage, never skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage at a price you can afford, not the least amount of coverage.

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