Lower Your 1992 Chevrolet Chevy Van Insurance Quotes

Searching for cheaper insurance rates for your Chevrolet Chevy Van? Online rate comparisons for cheaper insurance might seem complicated at first if you’ve never received online price comparisons. Don’t worry though because finding better rates is actually fairly simple.

Consumers should take time to check insurance prices every six months due to the fact that insurance rates trend upward over time. Despite the fact that you may have had the best deal on Chevy van coverage a couple years back the chances are good that you can find a lower price today. There is a lot of wrong information about insurance on the internet, but in just a couple of minutes you can learn the easiest ways to buy insurance cheaper.

Buy car insurance online

There are multiple methods to compare car insurance quotes, but some are easier and takes less work. You could spend your day talking about coverages with insurance agencies in your area, or you could save time and use the internet to maximize your effort.

Most of the best insurance companies belong to an insurance system that allows shoppers to submit one quote, and at least one company provides a quote based on the submitted data. This saves time by eliminating form submissions for each company.

To use this form to compare rates click to open in new window.

The only drawback to doing it this way is you cannot specify the providers to get quotes from. So if you prefer to pick specific providers to compare, we have assembled a list of low cost car insurance companies in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but try to use identical coverage information on every price quote you get. If your comparisons have different coverage information you will not be able to determine which rate is truly the best. Just a small difference in limits can result in a big premium difference. Just remember that comparing all the rates in your area helps improve the odds of finding a lower rate than you’re paying now. Not every company provides quotes online, so you need to compare prices from them, too.

Lower rate quotes with discounts

The cost of insuring your cars can be expensive, but there are discounts available that may help make it more affordable. Some of these disounts will be visible when you get a quote, but lesser-known reductions have to be requested specifically before you get the savings.

  • Membership in Organizations – Joining qualifying employment or professional organizations is a simple method to lower premiums on auto insurance.
  • Anti-lock Brake Discount – Vehicles with ABS braking systems or traction control have fewer accidents so companies give up to a 10% discount.
  • Telematics Data Discounts – Insureds that choose to allow data collection to monitor driving habits remotely such as Progressive’s Snapshot may see discounts as long as the data is positive.
  • Save over 55 – Seniors can possibly qualify for a discount up to 10% on Chevy van coverage.
  • Buy New and Save – Insuring a vehicle that is new can save you some money because newer models keep occupants safer.
  • Military Rewards – Being deployed with a military unit could qualify you for better rates.
  • Driver Safety – Completing a defensive driving course could cut 5% off your bill if you qualify.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in high school.

As a sidenote, most discounts do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, you aren’t that lucky.

Larger auto insurance companies and a selection of discounts are outlined below.

  • State Farm policyholders can earn discounts including Drive Safe & Save, good student, student away at school, accident-free, and passive restraint.
  • GEICO has discounts for five-year accident-free, daytime running lights, anti-theft, seat belt use, defensive driver, driver training, and military active duty.
  • Allstate offers discounts including good student, senior citizen, safe driver, utility vehicle, early signing, EZ pay plan discount, and eSmart discount.
  • SAFECO includes discounts for teen safe driver, anti-theft, anti-lock brakes, accident prevention training, and multi-car.
  • Farm Bureau has savings for 55 and retired, safe driver, youthful driver, good student, and renewal discount.
  • Progressive may include discounts for multi-vehicle, online signing, multi-policy, online quote discount, and continuous coverage.
  • AAA may offer discounts for multi-policy, multi-car, good driver, AAA membership discount, education and occupation, and good student.

If you need inexpensive insurance quotes, ask every insurance company to give you their best rates. Savings might not apply in every state. To see companies with discount rates, click here.

What is the best auto insurance coverage?

When it comes to choosing adequate coverage, there really is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that may help highlight if your insurance needs could use an agent’s help.

  • Does having multiple vehicles earn me a discount?
  • Where can I find high-risk insurance?
  • Do I need more liability coverage?
  • How can I get my company to pay me more for my totalled car?
  • Am I covered if I break a side mirror?
  • How much liability coverage do I need in my state?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does insurance cover damages from a DUI accident?

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. To find an agent in your area, simply complete this short form.

Coverages available on your insurance policy

Knowing the specifics of your policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hail damage, damage from getting keyed, damage from flooding, vandalism and theft. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverages – Collision coverage will pay to fix damage to your Chevy Van resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like rolling your car, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Protection from uninsured/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. It can pay for medical payments for you and your occupants and damage to your Chevy Chevy Van.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Auto liability – Liability insurance provides protection from injuries or damage you cause to other’s property or people. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

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. You might see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like repair costs for stationary objects, legal defense fees, repair bills for other people’s vehicles and medical expenses. How much coverage you buy is up to you, but buy as large an amount as possible.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as surgery, X-ray expenses and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible