Save on 1990 Chevrolet Chevy Van Insurance Rates

Searching for cheaper insurance coverage rates for your Chevrolet Chevy Van? Locating cheaper insurance for a new or used Chevy Chevy Van can turn out to be an all-consuming task, but you can learn our insurance coverage buying tips to find lower rates.

There are both good and bad ways to compare insurance coverage rates so you’re going to learn the best way to quote coverages for your Chevy and locate the best price possible either online or from local insurance agents.

Consumers should take time to price shop coverage before your next renewal because rates tend to go up over time. If you had the best deal on Chevy van coverage a couple years back the chances are good that you can find a lower price today. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to the fastest way to reduce your cost while improving coverage.

Cheap auto insurance rate quotes

Comparing auto insurance rates is a ton of work if you aren’t aware of the most efficient way. You could spend your day driving to local insurance agents in your area, or you can utilize online quotes to accomplish the same thing much quicker.

Most of the larger companies are enrolled in a marketplace that enables customers to send in one quote, and every company can give them a price based on the submitted data. This system prevents you from having to do quotation requests to each company. To submit your quote information now, click here to open in new window.

One minor caviat to using this type of form is you are unable to specify the providers to get pricing from. If you wish to select specific insurance companies to compare, we have a listing of companies who write auto insurance in your area. View list of insurance companies.

The approach you take is up to you, just double check that you are using the exact same coverages and limits on every quote. If the quotes have different data it will be next to impossible to make an equal comparison.

Take advantage of every insurance discount

Some companies do not list every available discount very clearly, so the list below gives a summary of a few of the more common as well as some of the hidden credits that may apply to you.

  • Theft Deterent Discount – Vehicles optioned with advanced anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
  • First Accident Forgiveness – This one isn’t a discount, but some companies like Allstate and Progressive may permit one accident before hitting you with a surcharge so long as you are claim-free before the accident.
  • Government Employee Discount – Simply working for the federal government can earn a discount up to 10% on Chevy van coverage with select insurance companies.
  • Renewal Discounts – Select insurance companies give a discount for switching policies before your current expiration date. It could save around 10% when you buy insurance coverage online.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class if offered at their school.
  • Smart Student Discounts – Performing well in school can save 20 to 25%. Many companies even apply the discount to college students well after school through age 25.

As a sidenote, most credits do not apply the the whole policy. A few only apply to the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like you would end up receiving a 100% discount, companies don’t profit that way.

The best insurance companies and some of their more popular discounts can be read below.

  • GEICO offers discounts including anti-lock brakes, defensive driver, emergency military deployment, seat belt use, five-year accident-free, and good student.
  • Auto-Owners Insurance may have discounts that include company car, paperless, paid in full, anti-lock brakes, safe vehicle, and multi-policy.
  • American Family has savings for air bags, early bird, Steer into Savings, accident-free, and multi-vehicle.
  • Esurance offers premium reductions for emergency road assistance, good student, defensive driver, safety device, Pac-12 alumni, and online quote.
  • Progressive may include discounts for multi-vehicle, online signing, homeowner, continuous coverage, and good student.
  • State Farm has discounts for good student, good driver, multiple autos, defensive driving training, and driver’s education.
  • AAA includes discounts for multi-policy, anti-theft, multi-car, education and occupation, and AAA membership discount.

Double check with every company which credits you are entitled to. Discounts may not be available everywhere.

Five things that determine your insurance rates

Lots of things are taken into consideration when you get a price on insurance. Most are fairly basic such as your driving record, but other criteria are more obscure like where you live or how financially stable you are.

Listed below are some of the things utilized by car insurance companies to help set your prices.

  • Save money with higher comp and collision deductibles – Your deductibles are how much you are required to spend out-of-pocket before a claim is paid by your company. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some coverage claims are colliding with a stationary object, damage from fire, and damage from wind. The more expense you have to pay, the less money you will pay for insurance on Chevy van coverage.
  • Your location is important – Having an address in a small town has definite advantages when insuring your vehicles. Fewer drivers and short commutes corresponds to lower accident rates and lower theft and vandalism rates. People who live in big cities tend to have congested traffic and more time behind the wheel. Spending more time driving can result in more accidents.
  • Bundling policies can get discounts – Most insurance companies allow lower prices to buyers who carry more than one policy such as combining an auto and homeowners policy. The discount can be five, ten or even twenty percent. Even if you qualify for this discount already, it’s still a good idea to compare other insurance prices to guarantee you are still saving the most.There is a good possibility that you can save more without the discount by insuring with multiple companies.
  • Traffic violations will cost you – Your driving record impacts your car insurance rates tremendously. Good drivers receive lower rates as compared to careless drivers. Only having one speeding ticket could increase your next policy renewal by twenty percent. Drivers who get severe violations such as hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with their state in order to prevent a license revocation.
  • No insurance policy gaps is important – Having a gap between insurance policy dates is a guaranteed way to bump up your insurance costs. In addition to paying higher rates, failure to provide proof of insurance might get you a revoked license or a big fine. You will then be forced to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.

How to know if you need help

When it comes to choosing coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that might help in determining if your situation would benefit from an agent’s advice.

  • Should I get collision insurance on every vehicle?
  • Am I covered if hit by an uninsured driver?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I pay less if my vehicle is kept in my garage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my ex-spouse still covered by my policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Should I bundle my homeowners policy with my auto?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Can switching companies really save?

Consumers can’t get away from ads that claim the cheapest premium rates from the likes of Progressive, Allstate and GEICO. All the ads make an identical promise that drivers will save a bundle if you move your policy.

How is it plausible that every one can offer drivers better rates? It’s all in how they say it.

Insurance providers have a certain “appetite” for the type of customer that earns them a profit. For example, this type of driver might have to be over age 30, has few claims, and insures a new vehicle. A customer getting a price quote who meets those qualifications is entitled to the best price and therefore will save a lot if they switch.

Insureds who are not a match for those standards will see a higher rate which results in the customer buying from a different company. Company advertisements say “drivers that switch” not “everyone who quotes” can get the lowest rates when switching. That’s the way companies can truthfully make the claims of big savings.

This really drives home the point why you absolutely need to get a wide range of price quotes. It’s just too difficult to predict which car insurance company will provide the lowest premium rates.

Insurance coverages explained

Having a good grasp of your policy can help you determine the right coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for immediate expenses for hospital visits, EMT expenses and chiropractic care. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from 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 falling objects, hail damage, vandalism, a tree branch falling on your vehicle and rock chips in glass. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage – This pays for damage to your Chevy Van from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a parking meter, colliding with a tree and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Chevy Chevy Van.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time these coverages are identical to your policy’s liability coverage.

Auto liability insurance – This coverage can cover damage or injury you incur to people or other property by causing an accident. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like medical services, structural damage, medical expenses and loss of income. How much coverage you buy is up to you, but buy as much as you can afford.

Smart consumers save more

You just read some good ideas how to save on 1990 Chevy Chevy Van insurance. It’s most important to understand that the more you quote insurance coverage, the higher your chance of finding inexpensive insurance coverage. Consumers may even find the best price on car insurance is with a lesser-known regional company.

Cheaper car insurance can be found online in addition to many insurance agents, so you need to shop insurance coverage with both to have the best chance of lowering rates. A few companies may not offer rate quotes online and these smaller companies work with local independent agencies.

Drivers who switch companies do it for many reasons like denial of a claim, policy cancellation, extreme rates for teen drivers or an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching companies can be easier than you think.

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