Cheapest 2001 Chevrolet Cavalier Insurance Rates in 2023
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UPDATED: Aug 23, 2022
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Want cheaper insurance coverage rates for your Chevrolet Cavalier? No one likes paying for insurance coverage, especially knowing their premiums are too high. Because there are so many companies and agents to choose from, it can be challenging to pick the right insurer.
It’s a good habit to get comparison quotes quite often due to the fact that insurance rates change frequently. Just because you had the lowest rates on Cavalier insurance two years ago other companies may now be cheaper. You’ll find quite a bit of inaccurate information about insurance coverage online, so by reading this article, you’re going to learn some good information on how to find affordable insurance coverage.
Where Can I Get Cheap Insurance Coverage?
Most companies quote coverage prices on their websites. The process is fairly simple as you simply enter the coverage amounts you desire as requested by the quote form. Upon sending the form, the system orders information on your driving record and credit history and returns a price quote based on these and other factors. Quoting online makes comparing rates easy, but having to visit a lot of sites and fill out multiple forms is not the best way to spend an afternoon. But it’s absolutely necessary to compare as many rates as possible if you want to find a better rate.
There is a better way to compare rates
An easier way to find better insurance coverage pricing requires only one form that obtains quotes from several different companies. The form is fast, reduces the work, and makes rate comparisons much more efficient. After sending the form, your coverage is rated and you can select any of the quotes that you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The entire process takes just a few minutes to complete and could lower your rates considerably.
If you want to get comparison pricing now, click here and fill out the form. If you have coverage now, it’s recommended you type in deductibles and limits identical to your current policy. Doing this guarantees you will be getting rate quotes for similar insurance coverage.
Discounts are great for lower rates
Companies that sell car insurance don’t always list all their discounts very well, so we researched both well-publicized as well as the least known ways to save on car insurance. If you don’t get every credit you deserve, you’re paying more than you need to.
- Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
- Distant Student – Children who attend school more than 100 miles from home and do not have a car can receive lower rates.
- Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
- Club Memberships – Affiliation with certain professional organizations may earn a discount on your policy on Cavalier insurance.
- Early Switch Discount – Select companies give a discount for signing up before your current policy expires. It’s a savings of about 10%.
- Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
- No Claims – Claim-free drivers can earn big discounts as compared to accident-prone drivers.
- Homeowners Discount – Owning a home can help you save on car insurance because owning a home is proof that your finances are in order.
Drivers should understand that most discounts do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, companies don’t profit that way.
Companies that may offer these money-saving discounts include:
Double check with all companies you are considering what discounts are available to you. All car insurance discounts might not be offered everywhere.
Elements that influence Chevy Cavalier insurance rates
It’s important that you understand some of the elements that help determine the price you pay for car insurance. Knowing what impacts premium levels allows you to make educated decisions that will entitle you to big savings.
- How’s your driving record? – A bad driving record has a lot to do with how much you pay for insurance. Good drivers receive lower rates than people who have multiple driving citations. Even one ticket can increase rates forty percent or more. If you have severe violations like DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.
- Do you have enough liability coverage? – Liability coverage provides coverage if ever you are found to be at fault for damages caused by your negligence. Liability provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.
- Credit scores impact car insurance rates – Having a bad credit history is a large factor in determining your rates. Therefore, if your credit is not that good, you could be paying less to insure your 2001 Chevrolet Cavalier by spending a little time repairing your credit. People with excellent credit tend to be more responsible as compared to drivers with lower credit scores.
- Don’t let your coverage lapse – Letting your insurance expire will be a sure-fire way to increase your car insurance rates. Not only will you pay more, but being ticketed for driving with no insurance will get you a revoked license or a big fine.
- Pay less after the wedding – Having a spouse actually saves money when buying car insurance. It means you’re more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.
- The more you drive the more you pay – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based on how the vehicle is used. Cars left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Make sure your car insurance policy shows the correct driver usage, because improper ratings can cost you money. Incorrect usage on your Cavalier can cost quite a bit.
- Save money with special equipment – Owning a car with anti-theft technology or alarm system can help lower your rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.
- Where you reside plays a part – Living in a rural area can save you money when it comes to car insurance. Drivers who live in large cities have to deal with traffic congestion and much longer commute distances. Lower population means reduced accidents as well as less vandalism and auto theft.
You may need specialized coverage
When it comes to choosing coverage, there is no single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions can help discover if your situation might need an agent’s assistance.
- Will I be non-renewed for getting a DUI or other conviction?
- Do I have coverage for damage caused while driving under the influence?
- How can I get high-risk coverage after a DUI?
- Does coverage extend to a rental car in a foreign country?
- Does my policy pay for OEM or aftermarket parts?
- I have health insurance so do I need medical payments coverage?
- Am I covered when driving in Canada or Mexico?
- Do all my vehicles need collision coverage?
- Is a new car covered when I drive it off the dealer lot?
- Can my teen driver be rated on a liability-only vehicle?
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.
Do drivers who switch really save?
Drivers can’t ignore all the ads for car insurance savings by Allstate and Progressive. All the companies make an identical promise that you’ll save big if you move to their company.
How can each company say the same thing? It’s all in the numbers.
Different companies have a preferred profile for the driver that earns them a profit. For example, a profitable customer might be profiled as over the age of 40, has no tickets, and has a high credit rating. A customer getting a price quote who fits that profile is entitled to the best price and most likely will save when switching.
Consumers who don’t meet these standards will be quoted a more expensive rate which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” but not “drivers who get quotes” save money. That is how companies can truthfully advertise the savings. This emphasizes why you need to get a wide range of price quotes. Because you never know which company will give you the biggest savings on Chevy Cavalier insurance.
Detailed coverages of your insurance policy
Understanding the coverages of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement. These are the normal coverages found on the average insurance policy.
Comprehensive protection – This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like a broken windshield, a tree branch falling on your vehicle, theft and hitting a deer. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Medical expense coverage – Med pay and PIP coverage kick in for immediate expenses for hospital visits, nursing services and X-ray expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Collision – This covers damage to your Cavalier resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for things such as driving through your garage door, hitting a mailbox, colliding with another moving vehicle and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.
Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Chevy Cavalier.
Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.
Liability – This protects you from injuries or damage you cause to other’s property or people. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.
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 liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.
Liability insurance covers claims such as attorney fees, loss of income, bail bonds, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.
Spend less. Save more.
We’ve covered some good ideas how you can reduce 2001 Chevy Cavalier insurance prices online. The key concept to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the most savings is with a smaller regional carrier. Some small companies can often provide lower rates in certain areas as compared to the big name companies such as Progressive or GEICO.
Cost effective insurance can be sourced online and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who do not offer the ability to get a quote online and these small insurance companies work with independent agents.
When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. In many instances, someone sacrificed full coverage and discovered at claim time that the savings was not a smart move. Your aim should be to purchase plenty of coverage at the best price, not the least amount of coverage.
Helpful learning opportunities
- Auto Crash Statistics (Insurance Information Insitute)
- What is Covered by GAP Insurance? (Allstate)
- Steps to Take After an Auto Accident (Insurance Information Insitute)
- Think You’re a Safe Driver? (State Farm)
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