Cheapest 1997 Chevrolet Cavalier Insurance Rates in 2023
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UPDATED: Jun 27, 2022
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Trying to find low-cost insurance for your Chevy Cavalier can normally be a lot of work, but you can use these tips to make it easier. There is a better way to buy insurance and you need to know the absolute fastest way to compare rates for a Chevy and find the lowest possible price from local insurance agents and online providers.
How to Get Auto Insurance
Lowering your 1997 Chevy Cavalier auto insurance rates is surprisingly easy. You just have to spend a little time to compare rate quotes online from several insurance companies. This is very easy and can be done in just a few minutes using one of these methods.
One of the simplest ways to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This method saves time by eliminating boring form submissions to each individual auto insurance company. One form submission will return price quotes from all major companies. This is perfect if you don’t have a lot of time.
A more time consuming way to analyze rates is to manually visit each company’s website and fill out their own quote form. For sake of this example, let’s assume you want rates from Liberty Mutual, GEICO and American Family. To get rate quotes you would need to take the time to go to each site and enter your policy data, and that’s why the first method is more popular.
To view a list of companies in your area, click here.
The most time-consuming method of comparing rate quotes is to drive around to and from local insurance agencies. The internet makes this process obsolete unless you prefer the personal advice that only a license agent can provide. You can, however, price shop online and still use a local agent and we’ll talk about that later.
Which method you use is up to you, but make absolute certain that you use the exact same information for every quote you compare. If you compare mixed coverages it will be very difficult to make an equal comparison.
Switch companies and save? Really?
Consumers get pounded daily by advertisements for the lowest price auto insurance by companies like Allstate, GEICO and Progressive. All the companies have a common claim that you can save after switching to them.
But how can every company make the same claim?
Insurance companies have a certain “appetite” for the right customer they prefer to insure. A good example of a profitable customer could possibly be between the ages of 30 and 50, has no prior claims, and has excellent credit. Any new insured who meets those qualifications will get very good rates and as a result will probably save a lot of money.
Potential customers who don’t meet the “perfect” profile must pay higher rates which usually ends up with business not being written. The ad wording is “customers who switch” not “everyone that quotes” save that much. This is how insurance companies can advertise the way they do. This illustrates why you should get as many comparisons as possible. You cannot predict which insurance companies will have the lowest Chevy Cavalier insurance rates.
Take advantage of discounts
Finding insurance discounts is an important considerations, especially when you look at the value of your auto, such as with the 1997 Chevy Cavalier price range of $1,800 – $3,000 (per https://staging.quoteinspector.com/these-are-the-best-auto-insurance-companies-for-accident-forgiveness/). You’ll want the most affordable insurance rates you can find when you’re driving an older model vehicle.
Auto insurance companies don’t always publicize all their discounts in an easy-to-find place, so we break down both the well known and the more hidden insurance coverage savings. If they aren’t giving you every credit possible, you are paying more than you should be.
- 55 and Retired – Older drivers may receive a discount up to 10% for Cavalier coverage.
- Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
- Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
- Passive Restraints – Vehicles equipped with air bags or motorized seat belts can receive discounts of 20% or more.
- Resident Student – Kids in college who live away from home without a vehicle on campus may qualify for this discount.
Keep in mind that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky.
Insurance companies that may have some of the above discounts include:
- Farmers Insurance
- State Farm
Before buying, ask every prospective company which discounts you may be entitled to. All car insurance discounts may not be available in your area.
How to know if you need help
When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Each situation is unique.
For example, these questions could help you determine if your situation may require specific advice.
- Do I have coverage when pulling a U-Haul trailer?
- Do I pay less for low miles?
- Should I put collision coverage on all my vehicles?
- Do I need replacement cost coverage on my 1997 Chevy Cavalier?
- Exactly who is provided coverage by my policy?
- Is borrowed equipment or tools covered if stolen or damaged?
- Is my ex-spouse still covered by my policy?
If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.
Information about specific coverages
Understanding the coverages of your policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.
Medical expense coverage
Med pay and PIP coverage provide coverage for immediate expenses for EMT expenses, ambulance fees, pain medications, nursing services and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay
Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like hail damage, fire damage and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
This covers damage to your Cavalier from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things such as scraping a guard rail, backing into a parked car, crashing into a ditch, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.
Liability coverage can cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.
Liability insurance covers claims such as repair bills for other people’s vehicles, funeral expenses, bail bonds, legal defense fees and medical expenses. How much coverage you buy is your choice, but you should buy as much as you can afford.
Uninsured or underinsured coverage
This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.
Shop smart and save
We just presented a lot of information how to shop for 1997 Chevy Cavalier insurance online. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. Consumers may even find the best prices are with an unexpected company.
Low-cost insurance is definitely available from both online companies as well as from independent agents, so you should compare both to have the best rate selection. Some auto insurance companies don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.
As you prepare to switch companies, never sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find at a price you can afford.
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