View 2000 Chevrolet Cavalier Car Insurance Rates

Want the cheapest insurance coverage rates for your Chevrolet Cavalier? Saving money on insurance coverage is always nearly impossible for people who are new to buying insurance online. There are so many options that it can turn into a ton of work to compare prices.

You should take the time to take a look at other company’s rates yearly since insurance rates change frequently. Even if you think you had the best price on Cavalier insurance a couple years back there is a good chance you can find better rates now. Don’t believe everything you read about insurance coverage online but with this article, you’re going to get the easiest ways to quit paying high insurance coverage rates.

Finding the best rates is easy if you know what you’re doing. If you have car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. But car owners must know the methods companies use to price insurance differently and take advantage of how the system works.

Compare Insurance Today

When shopping for insurance there are multiple ways to compare quotes and find the best price. The simplest method to find the cheapest 2000 Chevy Cavalier insurance rates is to get quotes online. This can be accomplished in a couple of different ways.

  • Probably the best way to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This easy form saves time by eliminating separate quotation requests for each company. One form gets rate comparisons from multiple companies. It’s the fastest way to compare.
  • A different way to analyze rates requires a visit to each company’s website to complete their respective quote request forms. For instance, we’ll assume you want rates from Liberty Mutual, 21st Century and GMAC. You would have to go to every website to enter your coverage information, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but ensure you’re using the exact same information for every quote you compare. If each company quotes different values for each quote it will be very difficult to find the best deal for your Chevy Cavalier. Quoting even small variations in coverages may result in a large different in cost. Just keep in mind that comparing a large number of companies helps locate a better price.

Don’t believe everything you hear

Auto insurance companies such as State Farm and Allstate regularly use ads on TV and radio. They all seem to make the same claim that you can save if you move your policy. How do they all make the same claim? This is how they do it.

Different companies have a certain “appetite” for the type of customer that is profitable for them. An example of a driver they prefer could possibly be over the age of 40, insures multiple vehicles, and drives less than 7,500 miles a year. A propective insured who fits that profile gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who don’t measure up to these standards will have to pay a more expensive rate and ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everyone that quotes” save that kind of money. That’s why insurance companies can state the savings. Because of the profiling, it is so important to get a wide range of price quotes. You cannot predict the company that will fit your personal profile best.

Why your Chevy Cavalier insurance rates may be high

It’s important that you understand the different types of things that help determine the price you pay for insurance. Knowing what influences your rates helps enable you to make changes that may reward you with lower insurance prices.

The following are a partial list of the pieces that factor into rates.

  • Never go without insurance – Driving without insurance can get your license suspended and insurance companies will penalize you for letting your coverage lapse. Not only will you pay more, but being ticketed for driving with no insurance can result in a steep fine or even jail time.Then you may be required to prove you have insurance by filing a SR-22 with your state DMV.
  • High credit ratings translate to low rates – Having a bad credit history is a big factor in determining your rates. Therefore, if your credit is not that good, you could pay less to insure your 2000 Chevrolet Cavalier by repairing your credit. People with good credit tend to be more responsible than drivers with lower credit scores.
  • Add-on coverages can add up – There are many extra coverages that you can get tricked into buying if you aren’t careful. Coverages for rental car reimbursement, accidental death and additional equipment coverage are examples of these. They may seem like a good idea when talking to your agent, but now you might not need them so eliminate them to save money.
  • Are you male or female? – Statistics show that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. Women and men are in accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations such as DWI and reckless driving.
  • Safer occupants lowers premiums – Vehicles with high crash test scores tend to have better insurance rates. These vehicles result in less severe injuries and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders. If your Chevy has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Discounts for multiple policies – The majority of insurance companies will give a discount to people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. If you currently are using one company, you still need to comparison shop to ensure the best deal. Consumers may find a better deal by buying insurance from a different company.
  • Being married can save on insurance – Getting married can get you a discount when buying insurance. Marriage translates into being more mature and responsible and it’s proven that being married results in fewer claims.
  • Small claims can cost you – If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Car insurance companies give discounts to drivers who do not file claims often. Car insurance is meant to be used in the event of larger claims.

Are you getting all your discounts?

Companies that sell car insurance do not advertise all their discounts in an easy-to-find place, so we took the time to find some of the more common as well as the least known ways to save on insurance.

  • Memberships – Belonging to certain professional organizations could trigger savings on your policy on Cavalier insurance.
  • Passive Restraints – Cars that have air bags can receive discounts of more than 20%.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • Multiple Policy Discount – When you combine your home and auto insurance with one company you will save 10% to 20% off each policy.
  • Defensive Driving Course – Successfully completing a course in driver safety could save 5% or more depending on where you live.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Most only reduce specific coverage prices like comp or med pay. So when the math indicates you could get a free insurance policy, companies don’t profit that way.

For a list of providers with the best insurance discounts, click here.

When might I need an agent?

When it comes to choosing the best car insurance coverage for your vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining if your insurance needs will benefit from professional help.

  • When can I cancel my policy?
  • When do I need to add a new car to my policy?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is my ex-spouse still covered by my policy?
  • Can I afford to pay high deductible claims out of pocket?
  • Should I bundle my homeowners policy with my auto?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance coverage information

Learning about specific coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Liability coverages

This protects you from damage that occurs to other’s property or people in an accident. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of 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 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like structural damage, pain and suffering, bail bonds and medical services. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Collision coverage

This pays for damage to your Cavalier caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like damaging your car on a curb, hitting a mailbox, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical costs insurance

Coverage for medical payments and/or PIP pay for expenses for dental work, pain medications, surgery, EMT expenses and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

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

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, a broken windshield and hail damage. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Final thoughts

When trying to cut insurance costs, you should never buy poor coverage just to save money. There have been many cases where an accident victim reduced collision coverage only to discover later they didn’t purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

People switch companies for a variety of reasons including delays in paying claims, unfair underwriting practices, lack of trust in their agent or high rates after DUI convictions. Regardless of your reason for switching companies, finding the right insurance coverage provider can be less work than you think.

In this article, we covered many tips how you can compare 2000 Chevy Cavalier insurance prices online. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising.

Much more information about insurance coverage can be found below: