Chevrolet Cavalier Insurance Rates

There are many options when looking for the best insurance on your Chevrolet Cavalier. You can buy direct from a local agent or shop online to compare rates from car insurance companies. Shopping for car insurance from online rate quotes is easy and there is a good chance you might just save a little.

Consumers not familiar with shopping for insurance may think finding cheap Chevrolet Cavalier insurance is more work than they want to put in. Reducing your Chevrolet Cavalier insurance cost doesn't have to be difficult. All that's required is to spend a few minutes on the computer to get quotes from different insurance companies. This is very easy and can be done by comparing rates here.

Auto insurance rates for a Chevrolet Cavalier can fluctuate considerably based upon several criteria. Some of these factors include:

• The performance level of your Cavalier
• Accidents raise premiums
• Whether you insure your home with the same company
• Use of your vehicle
• Extra coverages like towing and rental
• Claims drive up premiums
• No coverage lapses saves money
• Whether you own your home

A final factor that will help determine Chevrolet Cavalier insurance quotes is the model year. Newer models have a higher replacement value in comparison to later models so repair costs are higher which may result in higher rates. Conversely, more recent Cavalier vehicles may have a trim level with safety features such as an advanced theft deterrent system, forward-collision avoidance, and a backup camera which may lower rates.

Liability insurance

Liability insurance will cover damage that occurs to other people or property by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision coverage protection

Collision coverage will pay to fix damage to your Cavalier caused by collision with another car or object. A deductible applies and then insurance will cover the remainder. Chevrolet Cavalier collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your Chevrolet Cavalier comprehensive insurance. The most you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used to fill the gap from your health insurance program or if you do not have health coverage. PIP is only offered in select states and gives slightly broader coverage than med pay.