Cheap 1994 Chevrolet Chevy Van Insurance Cost

Paying for expensive Chevrolet Chevy Van insurance can eat up your checking account and maybe even restrict other spending. Shopping your coverage around can be a smart way to lower your bills every month.

Drivers have multiple auto insurance companies to choose from, and though it is a good thing to have multiple companies, lots of choices makes it harder to compare rates and find the lowest cost auto insurance.

Consumers should take time to get comparison quotes periodically because insurance prices change regularly. Just because you found the best deal on Chevy van coverage at your last renewal the chances are good that you can find a lower rate quote today. There is lot of inaccurate information about auto insurance online, but I’m going to show you some proven techniques to save money.

Lower rates by qualifying for discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to cut the cost considerably. A few discounts will be applied at the time of purchase, but a few need to be asked about before they will apply.

  • Anti-lock Brakes – Cars and trucks with ABS braking systems or traction control are safer to drive so companies give up to a 10% discount.
  • Full Payment Discount – If paying your policy premium upfront as opposed to paying monthly you can avoid monthly service charges.
  • Discounts for Multiple Vehicles – Buying insurance for primary and secondary vehicles on one policy could earn a price break for each car.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • Discount for New Cars – Insuring a vehicle that is new may earn a small discount compared to insuring an older model.

One thing to note about discounts is that some credits don’t apply to the entire cost. Some only apply to individual premiums such as comprehensive or collision. So when the math indicates it’s possible to get free car insurance, you won’t be that lucky. Any qualifying discounts will help reduce the premium cost.

Larger insurance companies and the discounts they provide can be found below.

  • Progressive offers discounts for online signing, multi-policy, good student, multi-vehicle, homeowner, and online quote discount.
  • AAA offers discounts including anti-theft, multi-policy, AAA membership discount, good student, pay-in-full, multi-car, and education and occupation.
  • Farmers Insurance may offer discounts for pay in full, electronic funds transfer, early shopping, multi-car, youthful driver, distant student, and homeowner.
  • GEICO discounts include multi-policy, multi-vehicle, five-year accident-free, anti-lock brakes, anti-theft, and daytime running lights.
  • Esurance has savings for multi-policy, renters, claim free, good student, Switch & Save, and online quote.
  • SAFECO offers premium reductions for drive less, safe driver, anti-theft, teen safe driver, and accident prevention training.
  • State Farm has discounts for multiple autos, safe vehicle, good student, anti-theft, driver’s education, Drive Safe & Save, and student away at school.

It’s a good idea to ask all the companies which discounts you qualify for. Some credits might not apply everywhere. To see a list of companies with the best insurance discounts, follow this link.

Insurance coverage is unique, just like you

When it comes to choosing adequate coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions may help you determine if your insurance needs may require specific advice.

  • How can I get high-risk coverage after a DUI?
  • Can my teen driver be rated on a liability-only vehicle?
  • When can I cancel my policy?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I getting all the discounts available?
  • Will filing a claim cost me more?
  • Am I covered by my spouse’s policy after a separation?
  • Should I drop comprehensive coverage on older vehicles?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Advertising and car insurance

Consumers can’t get away from all the ads that promise big savings by companies like Progressive, Allstate and GEICO. All the companies make the same claim that people will save if you get a free insurance coverage quote and switch your car insurance coverage to their company.

But how can every company charge you less for auto insurance? It’s all in how they say it.

Different companies require specific criteria for the type of customer that earns them a profit. An example of this type of risk profile may need to be over the age of 45, carries full coverage, and drives a lower-performance vehicle. Any new insured that meets those criteria receive the lowest rate quotes and will most likely save some money.

Potential customers who do not fit these stringent criteria will probably have to pay more expensive rates and ends up with the customer not purchasing. The ads say “customers that switch” not “all people who quote” save money. That’s the way companies can truthfully advertise the savings. That is why drivers should compare price quotes frequently. It is impossible to predict with any certainty which company will have the best auto insurance rates.

Educate yourself about auto insurance coverages

Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages available from auto insurance companies.

Auto collision coverage

Collision coverage will pay to fix damage to your Chevy Van resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sustaining damage from a pot hole, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Liability insurance

This can cover damages or injuries you inflict on other people or property. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like repair bills for other people’s vehicles, repair costs for stationary objects, medical expenses, court costs and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like theft, a broken windshield and damage from getting keyed. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chevy Chevy Van.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for expenses for nursing services, chiropractic care, doctor visits and surgery. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Find Good Coverage for Less

When buying insurance coverage, don’t be tempted to reduce coverage to reduce premium. There have been many situations where consumers will sacrifice full coverage and learned later that their decision to reduce coverage ended up costing them more. Your objective should be to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.

We just presented a lot of ways to shop for 1994 Chevy Chevy Van insurance online. The key concept to understand is the more you quote insurance coverage, the better your comparison will be. You may even discover the best price on car insurance is with an unexpected company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as GEICO and State Farm.

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