Want a free price quotes on more competitive Chevy Cavalier insurance in Phoenix? Finding better insurance prices for your Chevy Cavalier in Arizona can be a lot of work, but you can use these tips to find lower rates. There is a better way to shop for car insurance and we’ll show you the proper way to get price quotes for a Chevy and find the cheapest rates from Phoenix insurance agents and online providers.
If you have a policy now or are just looking to switch companies, you can follow these tips to buy cheaper car insurance and still get good coverage. Quoting and comparing rates for cheaper protection in Phoenix is not as confusing as people think. Smart shoppers just need to use the least time-consuming way to get comparison quotes from many different companies.
The following companies offer quotes in Arizona. If multiple providers are shown, we suggest you compare several of them in order to get a fair rate comparison.
Lower rate quotes with these eight discounts
Insurance is neither fun to buy or cheap, but you might be missing out on some discounts that can drop the cost substantially. Certain credits will be shown when you purchase, but a few need to be specifically requested before you will receive the discount. If you’re not getting every credit possible, you are just wasting money.
- Mature Driver Discount – If you qualify as a senior citizen, you are able to get a small discount on rates.
- Drivers Education – Teen drivers should successfully complete driver’s ed class as it can save substantially.
- Life Insurance Discount – Companies who offer life insurance give a lower insurance rate if you buy life insurance from them.
- Telematics Data Discounts – Drivers that enable their insurance company to spy on when and where they use their vehicle by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates as long as they are good drivers.
- Switch and Save Discount – A few insurance companies allow discounts for buying a new policy before your current expiration date. You could save around 10% when you buy Phoenix auto insurance online.
- Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
- E-sign – Some of the larger companies will discount your bill up to fifty bucks for signing up over the internet.
- Pay Early and Save – By paying your entire bill at once instead of making monthly payments you can actually save on your bill.
As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most only reduce specific coverage prices like liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, you’re out of luck.
A few of the larger companies and some of the premium reductions they offer are outlined below.
- AAA may include discounts for AAA membership discount, good driver, education and occupation, anti-theft, pay-in-full, multi-policy, and multi-car.
- Progressive includes discounts for multi-vehicle, multi-policy, homeowner, continuous coverage, online signing, and good student.
- State Farm has discounts for driver’s education, accident-free, student away at school, Steer Clear safe driver discount, multiple autos, good student, and defensive driving training.
- Esurance may offer discounts for anti-theft, emergency road assistance, DriveSense, defensive driver, safety device, claim free, and multi-car.
- Nationwide offers discounts for business or organization, multi-policy, easy pay, family plan, and anti-theft.
Double check with each company or agent which discounts you may be entitled to. Some discounts might not be offered in Phoenix. To see companies that offer multiple discounts in Arizona, follow this link.
Choosing Chevy Cavalier insurance is an important decision
Despite the high cost of buying insurance for a Chevy Cavalier in Phoenix, maintaining insurance serves an important purpose.
First, almost all states have mandatory insurance requirements which means it is punishable by state law to not carry specific limits of liability insurance in order to get the vehicle licensed. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your Cavalier has a loan, more than likely the lender will have a requirement that you carry insurance to guarantee their interest in the vehicle. If the policy lapses, the bank may buy a policy for your Chevy for a lot more money and force you to reimburse them the higher price.
Third, auto insurance protects both your assets and your car. It will also pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay for a defense attorney if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will cover the repair costs.
The benefits of insuring your Cavalier greatly outweigh the cost, especially when you need to use it. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $825 a year so compare rate quotes once a year at a minimum to make sure the price is not too high.
When in doubt talk to an agent
When buying the best car insurance coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.
For example, these questions might help in determining if your situation would benefit from an agent’s advice.
- What states are considered no-fault?
- At what point should I drop full coverage?
- Can my babysitter drive my car?
- What is the ISO rating for a Chevy Cavalier?
- Can I pay claims out-of-pocket if I buy high deductibles?
- I don’t drive much so do I pay less?
- What is the difference between comprehensive and collision coverage?
- What is an SR-22 filing?
- How much can I save by bundling my policies?
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can provide invaluable advice.
Local Phoenix insurance agencies
Many people just prefer to get professional advice from a licensed agent and that is just fine! Good agents will help you protect your assets and help in the event of a claim. A nice benefit of getting online price quotes is that you can find the lowest rates and still choose a local agent.
Once you complete this simple form, the quote information is submitted to local insurance agents in Phoenix who will give you bids to get your business. You won’t need to leave your house since price quotes are sent to you instantly. If you want to quote rates from a specific insurance company, just jump over to their website and fill out their quote form.
Finding a good insurance company needs to be determined by more than just a cheap price quote. The answers to these questions are important, too.
- Are they in the agency full-time?
- Will they give you a referral list?
- Which members of your family are coverage by the policy?
- Do you need full coverage on every vehicle?
- Are you getting all the discounts the company offers?
- What is their Better Business Bureau rating?
- How are claims handled?
When researching a reputable insurance agent or broker, you should know the types of agencies and how they can quote your rates. Car insurance agents are considered either exclusive or independent (non-exclusive). Either one can insure your vehicles properly, but it’s worth learning how they differ since it could factor into the type of agent you choose.
Exclusive Insurance Agencies
Exclusive agents are contracted to one company like Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot provide other company’s prices so they have to upsell other benefits. Exclusive insurance agents are trained well on sales techniques which helps offset the inability to provide other markets. Consumers often purchase coverage from exclusives mainly due to high brand loyalty and the convenience of having all coverages with one company.
Below are exclusive insurance agents in Phoenix that can give you price quote information.
- Douglas Cheung – State Farm Insurance Agent
2600 N 44th St #110 – Phoenix, AZ 85008 – (602) 840-6655 – View Map
- Lynn Buss – State Farm Insurance Agent
4022 E Broadway Rd #106 – Phoenix, AZ 85040 – (602) 454-8570 – View Map
- Chuck Kelly – State Farm Insurance Agent
314 E Thomas Rd – Phoenix, AZ 85012 – (602) 277-5776 – View Map
Independent Agents (or Brokers)
These type of agents are not employed by any specific company so they can insure your vehicles with multiple insurance companies and find the cheapest rate. If you are not satisfied with one company, an independent agent can move your coverage which makes it simple for you. When comparing rate quotes, you will want to contact at least one independent agent to get the most accurate price comparison. They often place coverage with smaller mutual companies who may have lower rates.
Shown below are Phoenix independent agencies that can give you rate quotes.
- American Premier Insurance Agency
16815 S Desert Foothills Pkwy #140 – Phoenix, AZ 85048 – (480) 423-3444 – View Map
- General Southwest Insurance Agency
5628 E Thomas Rd – Phoenix, AZ 85018 – (480) 990-1900 – View Map
- Daniels Nicolson Insurance Agency, Inc
4411 N 19th Ave – Phoenix, AZ 85015 – (800) 972-1893 – View Map
Coverages available on your policy
Knowing the specifics of car insurance aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.
Coverage for liability
Liability coverage will cover damage or injury you incur to people or other property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 15/30/10 which means $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and a limit of $10,000 paid for damaged property.
Liability insurance covers claims such as structural damage, repair costs for stationary objects, loss of income and pain and suffering. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford. Arizona state minimum liability requirements are 15/30/10 but you should think about purchasing better liability coverage.
This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Chevy Cavalier.
Because many people have only the minimum liability required by law (15/30/10 in Arizona), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Medical costs insurance
Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like EMT expenses, prosthetic devices, X-ray expenses and nursing services. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Auto collision coverage
Collision insurance will pay to fix damage to your Cavalier resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage protects against things such as rolling your car, sideswiping another vehicle, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible on your Cavalier in order to get cheaper collision rates.
Comprehensive or Other Than Collision
This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like hitting a deer, theft, damage from flooding and hail damage. The maximum amount a car 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 consider removing comprehensive coverage.