Cheapest 1998 Chevrolet Cavalier Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 12, 2022

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Want lower car insurance rates for your 1998 Chevrolet Cavalier? Overwhelmed by the dozens of car insurance company choices? Many other drivers are as well. Consumers have so many choices that it can easily become a real challenge to compare prices.

Consumers need to compare prices before your policy is renewed since rates are rarely the same from one policy term to another. Just because you found the best insurance deal for a 1998 Chevrolet Cavalier a couple of years back, you will most likely find a better rate today. Ignore everything you know about car insurance because you’re about to learn how to use the internet to buy cheaper car insurance.

If you have car insurance now, you should be able to lower your premiums substantially using this strategy. Shopping for cheaper car insurance can be fairly easy. But consumers benefit from understanding how insurance companies market on the web because it can help you find the best coverage.

The fastest way that we advise to compare rates takes advantage of the fact that most of the biggest providers provide online access to provide you with a free rate quote. To start a quote, the only thing you need to do is provide a small amount of information including daily mileage, if you’re married, the year, make and model of vehicles, and if it has an anti-theft system. That rating data is then submitted to multiple insurance providers, and you get price estimates immediately.

Discounts are great for lower rates

Insuring your fleet can be pricey, but discounts can save money and there are some available to reduce the price significantly. Larger premium reductions will be automatically applied when you get a quote, but lesser-known reductions have to be specially asked for before being credited.

  • Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off your medical payments premium.
  • New Vehicle Savings – Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in high school.
  • Multiple Cars – Insuring all your vehicles on the same insurance policy can get a discount on all vehicles.
  • Sign Early and Save – Select companies give a discount for signing up prior to your current policy expiring. It can save you around 10%.

As a disclaimer on discounts, some credits will not apply to all coverage premiums. Some only reduce individual premiums such as medical payments or collisions. So even though it sounds like all the discounts add up to a free policy, you won’t be that lucky. But all discounts will reduce the amount you have to pay.

You may need specialized coverage

When buying the right insurance coverage, there really is not a single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that could help you determine whether you could use an agent’s help.

  • Is the extra glass coverage worth it?
  • Am I covered when delivering products for my home-based business?
  • Should I drop comprehensive coverage on older vehicles?
  • Can I afford low physical damage deductibles?
  • Does coverage extend to my business vehicle?
  • Should I sign a liability waiver when renting a car?
  • Is my ex-spouse still covered by my policy?
  • Am I covered when pulling a rental trailer?
  • Does my car insurance cover rental cars?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form.

Factors that can influence insurance rates for a 1998 Chevrolet Cavalier

Consumers need to have an understanding of the different types of things that help determine the rates you pay for insurance coverage. Understanding what influences your rates allows you to make educated decisions that can help you get lower insurance coverage prices.

  • Liability coverage protects you – Liability insurance is the protection when a jury decides you are liable for damages caused by your negligence. Liability provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.
  • More people means more accidents – Being located in a small town has its advantages when it comes to insurance coverage. A lower population means a lower chance of having an accident and a lower car theft rate. Drivers who live in large cities have to deal with congested traffic and longer commutes to work. More time on the road means a higher likelihood of an accident.
  • Lower deductibles cost more – The deductibles define the amount you are required to spend out-of-pocket in the event of a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of claims that would be covered would be running into the backend of another car, vandalism, or theft. The more the insured has to pay upfront, the bigger discount you will receive on Cavalier insurance.
  • Extra coverages can waste money – There are quite a few additional coverages that you can buy if you aren’t careful. Insurance for vanishing deductibles, towing coverage and membership fees may be wasting your money. They may seem like a good idea when you first buy your policy, but your needs may have changed, so eliminate the coverage to reduce your premium.

Insurance coverage basics

Learning about specific coverage of insurance can help you determine what coverage you need and the proper limits and deductibles. Insurance terms can be impossible to understand and coverage can be changed by endorsement.

Liability auto insurance

This coverage protects you from damage that occurs to people or other property that is your fault. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that translates to a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like medical services, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like ambulance fees, prosthetic devices and chiropractic care. They can be used to fill the gap in your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

UM/UIM Coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chevy Cavalier.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally, these limits do not exceed the liability coverage limits.

Collision protection

This pays to save your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like backing into a parked car, rolling your car, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it for vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance pays for 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 pays for claims like damage from a tornado or hurricane, theft, hitting a bird and falling objects. The highest amount your insurance company will pay is the ACV or actual cash value, so if the value of a 1998 Chevy cavalier is low it’s not worth carrying full coverage.

Compare but don’t skimp

Drivers change insurance companies for a number of reasons such as being labeled a high risk driver, questionable increases in premium, denial of a claim or even high prices. No matter why you want to switch, switching auto insurance companies is pretty easy, and you might even save some money in the process.

We covered some good ideas on how to get a better price on 1998 Chevy Cavalier insurance. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even discover the biggest savings come from the smaller companies.

As you shop your coverage around, never skimp on critical coverage to save a buck or two. In many instances, drivers have reduced liability limits or collision coverage and discover at claim time that the savings was not a smart move. Your strategy should be to find the BEST coverage for the lowest price, not the least amount of coverage.

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