How to Uncover the Best Price When Insuring Your Chevy Cavalier

Are you irritated from scraping the payment together to keep your car insured? You’re in the same situation as the majority of other consumers. Insurance companies such as Allstate, Progressive and GEICO all claim big savings, bombarding you with ad campaigns and consumers find it hard to separate fact from fiction and do the work needed to find the best deal.

If you have a policy now or need new coverage, you can use these tips to reduce the price you pay while maintaining coverages. Finding affordable coverage is quite easy. Drivers just need to learn the most efficient way to shop their coverage around on the web.

Finding more affordable auto insurance rates can be quick and easy. You just have to take the time comparing to find the company with . Insurance prices can be quoted by following the guidelines below.

The fastest way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This style of form saves time by eliminating repetitive form entry for each price estimate. Taking the time to complete one form gets you price quotes from all major companies.

A more difficult way to compare rate quotes requires you to visit each individual company website and go through the quote process again. For sake of this example, we’ll assume you want comparison quotes from State Farm, Farmers and American Family. You would have to spend time on each company’s site and repeatedly type in your coverage information, which is why the first method is more popular. For a list of companies in your area, click here.

The most difficult way to price shop rates is making phone calls or going to and from local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you require the advice and guidance of a licensed agent. If you prefer, some companies allow you to price shop your coverage online but have your policy serviced through an agent.

Whichever way you choose to compare rates, compare apples-to-apples coverage limits and deductibles for every quote you compare. If you use different data it will be impossible to determine the lowest rate for your Chevy Cavalier.

Advertising and auto insurance

Consumers can’t escape the ads that claim the best rates from the likes of State Farm, GEICO and Progressive. All the companies say the same thing that drivers will save a bundle if you switch your policy.

How does every company sell you cheaper insurance coverage? It’s all in the wording.

Most companies can use profiling for the driver that earns them a profit. An example of a driver they prefer should be over the age of 50, has no claims, and does not commute to work. Someone who matches that profile may get the lowest prices and as a result will probably save a lot if they switch.

People who don’t qualify for these criteria will be quoted a higher rate which leads to the customer not purchasing. The trick is to say “people that switch” but not “everyone who gets a quote” save that kind of money. This is how insurance companies can confidently make it sound like they have such great premium rates. insurance cheap

This really emphasizes why drivers should compare quotes as often as possible. It’s just too difficult to predict with any certainty which company will be your best fit.

How Insurance Companies Calculate Chevy Cavalier Insurance Costs

Many factors are used when you quote your car insurance policy. Some are pretty understandable such as traffic violations, although others are more obscure such as your marital status or your vehicle rating. A large part of saving on auto insurance is knowing some of the elements that play a part in calculating the rates you pay for auto insurance. If you understand what impacts premium levels, this allows you to make good choices that can help you get lower rates.

The itemized list below are some of the things used by insurance companies to determine your prices.

Safeguard your assets with liability coverage – A critical coverage on your policy, liability insurance will protect you in the event that you are ruled to be at fault for personal injury or accident damage. It provides you with a defense in court up to the limits shown on your policy. This coverage is relatively inexpensive when compared with rates for comp and collision, so do not cut corners here.
Your car’s features help determine premiums – Purchasing a vehicle with a theft deterrent system can save you some money. Advanced theft deterrents such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent car theft and help bring rates down.
Urban residents pay more – Having an address in smaller towns and rural areas of the country is a good thing when it comes to auto insurance. Residents of big cities have traffic congestion and more severe claims. Fewer drivers on the road translates into fewer accident claims and also fewer theft and vandalism claims.
Know your credit history – An insured’s credit history will be a significant factor in calculating your premium rate. If your credit history leaves room for improvement, you could pay less to insure your Chevrolet Cavalier by repairing your credit. People that have excellent credit tend to file fewer claims and have better driving records as compared to drivers with worse credit.
Get better prices if you’re married – Walking down the aisle can get you a discount compared to being single. Having a spouse may mean you are more mature and responsible it has been statistically shown that being married results in fewer claims.
Insurance premiums and vehicle performance – The performance of the vehicle you need to insure makes a huge difference in your auto insurance rates. Since the Chevrolet Cavalier falls in the passenger car class, insurance will be similar in price or lower than the average rate where you live. Smaller low performance passenger cars generally have the cheapest insurance rates, but many other things help determine your insurance rates.
Cars with good safety ratings mean better prices – Safer cars tend to have lower insurance rates. Vehicles engineered for safety result in less severe injuries and fewer injuries means lower claim amounts which can result in lower premiums.

Save a ton with these discounts

Auto insurance is neither fun to buy or cheap, but there’s a good chance there are discounts to help offset the cost. Most are applied when you complete an application, but lesser-known reductions have to be inquired about before they will apply.

New Vehicle Savings – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
Distant Student Discount – Youth drivers living away from home attending college and won’t have access to an insured vehicle may qualify for this discount.
First Accident Forgiveness – but certain companies will let one accident slide before they charge you more for coverage if you have no claims for a particular time prior to the accident.
Anti-theft System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and therefore earn up to a 10% discount.
Student Discounts – Maintaining excellent grades can get you a discount of up to 25%. You can use this discount normally well after school through age 25.
Discounts for Multiple Vehicles – Insuring multiple cars or trucks with the same auto insurance company can reduce the rates for all insured vehicles.
Accident Free – Claim-free drivers can earn big discounts when compared to frequent claim filers.
Discount for Life Insurance – Select auto insurance companies reward you with lower auto insurancerates if you buy some life insurance too.

Discounts save money, but please remember that most discount credits are not given to your bottom line cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. Even though the math looks like all the discounts add up to a free policy, it just doesn’t work that way. But all discounts will positively reduce your policy premium.

Large auto insurance companies and some of the premium reductions they offer are outlined below.

State Farm may have discounts that include safe vehicle, driver’s education, accident-free, student away at school, good driver, and passive restraint.
Nationwide may offer discounts for multi-policy, easy pay, good student, Farm Bureau membership, business or organization, family plan, and anti-theft.
GEICO offers premium reductions for multi-policy, daytime running lights, defensive driver, air bags, federal employee, five-year accident-free, and seat belt use.
AAA includes discounts for good student, AAA membership discount, multi-policy, pay-in-full, education and occupation, and anti-theft.
21st Century has discounts for air bags, driver training, early bird, theft prevention, and good student.
The Hartford may include discounts for bundle, vehicle fuel type, defensive driver, good student, air bag, and driver training.

If you need lower rates, check with every insurance company which credits you are entitled to. Some credits may not apply to policies everywhere. To see companies that offer multiple discounts, click this link.

Can’t I compare prices from local insurance agencies?

Many drivers would rather sit down and talk to an agent and we recommend doing that Professional agents are highly skilled in risk management and help file insurance claims. An additional benefit of price shopping on the web is you may find cheap rate quotes and still have an agent to talk to. Buying insurance from local agencies is still important in small towns and cities.

After completing this quick form, your information is immediately sent to insurance agents that provide for your coverage. It’s much easier because you don’t need to contact any insurance agencies because prices are sent to you. If you wish to compare prices for a specific company, you would need to find their quoting web page and fill out the quote form the provide.

If you need to find a good insurance agent, it’s important to understand the different types of agencies and how they work. Insurance agencies are considered either independent agents or captive agents depending on their employer. Both write auto insurance policies, but it’s worth learning why they differ since it can impact which type of agent you select.

Independent Agents

Independent agents are normally appointed by many insurers and that is an advantage because they can write policies through many companies and find the cheapest rate. To transfer your coverage to a different company, your agent can switch companies which requires no work on your part. When comparing rate quotes, it’s a good idea to include rate quotes from at least one independent agent to ensure the widest selection of prices.

Captive Agencies

Agents in the captive channel have only one company to place business with and examples are Allstate, Farmers Insurance or State Farm. They usually cannot place coverage with different providers so they have to upsell other benefits. Captives are very knowledgeable on sales techniques which helps them compete with independent agents.

To view insurance agencies near you, click for a complete selection of auto insurance providers.

Picking the best car insurance agent should depend on more than just the premium amount. Below are some questions you should ask.

Is assistance available after office hours?
How long has the business existed?
Which insurance company do they prefer to write with?
Are they able to influence company decisions when a claim is filed?
Do they make recommendations based only on price?
If you are a high risk driver, do they have special markets for your coverage?

If you feel you receive good feedback to all your questions and an affordable coverage quote, it’s possible that you found an insurance agent that meets the criteria to adequately provide auto insurance.

In the end, you save

In this article, we presented many ideas to compare Chevy Cavalier insurance rates online. The most important thing to understand is the more companies you get car insurance rates for, the better chance you’ll have of finding . Consumers may even find the biggest savings come from some of the smallest insurance companies. Smaller companies often have lower car insurance rates on specific markets compared to the large companies like GEICO and State Farm.

Discount Chevy Cavalier insurance can be bought both online and also from your neighborhood agents, so you need to with both to have the best chance of lowering rates. There are still a few companies who do not provide the ability to get quotes online and usually these regional insurance providers only sell through independent insurance agents.