Lower Your 1993 Chevrolet Sportvan Car Insurance Quotes

Looking for better auto insurance rates? Shoppers have many options when shopping for the best price on Chevy Sportvan insurance. You can either waste hours struggling with agents getting price quotes or utilize the internet to make rate comparisons.

There are more efficient ways to find auto insurance online and we’ll show you the best way to get price quotes for a new or used Chevy and obtain the cheapest rates from both online companies and local agents.

You should make it a habit to price shop coverage quite often because auto insurance prices change frequently. Even if you think you had the best rates for Sportvan insurance a few years ago there is a good chance you can find better premium rates now. Block out anything you think you know about auto insurance because you’re about to learn one of the quickest ways to get good coverage at a lower rate.

The purpose of this post is to help educate you on how to get online quotes and some tricks to saving. If you currently have a car insurance policy, you should be able to cut costs considerably using this information. Drivers just need to understand the proper methods to compare company rates over the internet.

Discounts for lower-cost insurance rates

Some insurers do not list every available discount in an easy-to-find place, so below is a list some of the best known and the harder-to-find credits that may apply to you.

  • Low Miles Discount – Driving fewer miles may enable drivers to earn lower premium rates due to less chance of an accident.
  • Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 25 to 30%.
  • Good Student – Maintaining excellent grades can earn a discount of 20% or more. The good student discount can last until age 25.
  • Theft Deterent System – Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Defensive Driving Course – Taking part in a safe driver class is a good idea and can lower rates depending on where you live.
  • Driver Education Discount – Have your child successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Own a Home – Being a homeowner can earn you a little savings due to the fact that maintaining a home requires a higher level of personal finance.
  • Responsible Driver Discount – Drivers without accidents may save up to 50% more for Sportvan insurance compared to accident prone drivers.
  • Early Switch Discount – Some companies reward drivers for switching companies before your current coverage expires. This can save 10% or more.
  • Savings for New Vehicles – Putting insurance coverage on a new car can save you some money because newer models have to meet stringent safety requirements.

One thing to note about discounts is that some of the credits will not apply to the entire policy premium. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you could get a free insurance policy, company stockholders wouldn’t be very happy.

Companies and their possible discounts are:

  • Progressive has savings for multi-policy, good student, online quote discount, online signing, and multi-vehicle.
  • AAA policyholders can earn discounts including education and occupation, multi-car, anti-theft, good driver, AAA membership discount, and good student.
  • Farmers Insurance includes discounts for teen driver, good student, distant student, business and professional, alternative fuel, pay in full, and electronic funds transfer.
  • GEICO may offer discounts for federal employee, driver training, military active duty, daytime running lights, emergency military deployment, and anti-theft.
  • Esurance offers premium reductions for paid-in-full, multi-policy, homeowner, DriveSense, and good student.
  • SAFECO offers discounts including teen safety rewards, homeowner, safe driver, anti-lock brakes, and anti-theft.
  • State Farm offers discounts for Drive Safe & Save, passive restraint, good driver, student away at school, and accident-free.

If you need cheap auto insurance quotes, ask each insurance company to apply every possible discount. Some of the earlier mentioned discounts might not be offered on policies in your area. For a list of insurance companies that offer many of these discounts, click this link.

How do car insurance companies determine Chevy Sportvan insurance prices?

Lots of things are used when premium rates are determined. Some are pretty understandable like an MVR report, although others are not quite as obvious such as your credit history and annual miles driven.A large part of saving on auto insurance is knowing some of the factors that play a part in calculating your policy premiums. When you understand what determines premiums, this helps enable you to make changes that may result in cheaper rates.

The list below includes some of the factors used by your company to calculate your prices.

  • Driving citations can be expensive – Careful drivers have lower premiums than people who have multiple driving citations. Even one ticket can increase rates by as much as twenty percent. Drivers who get dangerous tickets like DUI or willful reckless driving might be required by their state to complete a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
  • Lower miles driven equals lower premium – Driving more miles each year the more you will pay for auto insurance. The majority of insurers charge to insure your cars based on their usage. Cars and trucks that are left in the garage get more affordable rates than those used for commuting. It’s always a good idea to double check that your policy reflects the proper vehicle usage, because improper ratings can cost you money. Incorrect rating for your Sportvan may be wasting your money.
  • Where you call home can affect rates – Residing in areas with lower population is a positive aspect when trying to find low car insurance rates. Less people corresponds to lower accident rates in addition to fewer liability claims. People in densly populated areas have more auto accidents and a longer drive to work. More time behind the wheel can result in more accidents.
  • More policies can equal more savings – Most larger companies will give lower prices to policyholders that purchase more than one policy in the form of a multi-policy discount. If you currently are using one company, drivers will still want to compare other insurance prices to guarantee you are still saving the most. It’s possible to still find better rates by buying auto insurance from a different company.
  • Your credit history is important – A driver’s credit score is a big factor in determining premium rates. Consumers who have high credit ratings tend to be more responsible and file fewer claims than drivers with bad credit. Therefore, if your credit rating can be improved, you could pay less to insure your 1993 Chevrolet Sportvan by repairing your credit.
  • Vehicle theft costs us all – Choosing a vehicle with a theft deterrent system can help bring down rates. Theft deterrent systems like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft and help bring rates down.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different.

For example, these questions might point out if your insurance needs will benefit from professional help.

  • Is rental equipment covered for theft or damage?
  • Am I better off with higher deductibles on my 1993 Chevy Sportvan?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered when driving someone else’s vehicle?
  • How many claims can I have before being cancelled?
  • What is PIP insurance?
  • Should I have combined single limit or split liability limits?
  • How does medical payments coverage work?

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form. It is quick, free and may give you better protection.

Insurance policy specifics

Knowing the specifics of a insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Sportvan.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages do not exceed the liability coverage limits.

Liability coverage – This will cover damage that occurs to other people or property by causing an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as court costs, funeral expenses, repair costs for stationary objects, pain and suffering and legal defense fees. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Collision coverages – This coverage pays for damage to your Sportvan resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a ditch, damaging your car on a curb, colliding with another moving vehicle, hitting a mailbox and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive insurance – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, hitting a deer, damage from getting keyed, damage from flooding and hail damage. The most a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for bills like chiropractic care, ambulance fees, hospital visits and X-ray expenses. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Make an honest buck

We covered a lot of techniques to save on 1993 Chevy Sportvan insurance. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even discover the best price on insurance coverage is with some of the lesser-known companies.

Consumers who switch companies do it for any number of reasons including being labeled a high risk driver, policy cancellation, lack of trust in their agent or unfair underwriting practices. It doesn’t matter what your reason, switching companies can be less work than you think.

Budget-conscious 1993 Chevy Sportvan insurance can be sourced on the web and with local insurance agents, so you should compare both to have the best rate selection. Some companies may not have price quotes online and most of the time these smaller providers work with independent insurance agencies.

More detailed insurance coverage information is located at these sites: