How Much Does 1994 Chevrolet Sportvan Insurance Cost?

Want the cheapest insurance rates for your Chevrolet Sportvan? Are you irritated from not being able to scrape enough together to insure your Chevy every month? Your situation is no different than many other consumers. Insurance companies such as GEICO and Progressive all claim big savings with TV and radio ads and it can be hard to ignore the promise of big savings and effectively compare rates to find the best deal.

You need to compare prices periodically since insurance prices trend upward over time. Despite the fact that you may have had the best deal on Sportvan insurance on your last policy you can probably find a better premium rate now. You’ll find quite a bit of inaccurate information about insurance online, but in just a couple of minutes you can learn a bunch of ideas how to reduce your insurance bill.

The best way we recommend to compare insurance rates from multiple companies is to take advantage of the fact almost all companies will pay a fee to quote your coverage. To begin a comparison, all you need to do is give the companies some data like if you have an active license, if it has an anti-theft system, driver details, and the year, make and model of vehicles. Your rating data is then sent to multiple insurance providers and you will receive price estimates quickly.

Save money by taking advantage of discounts

Some companies don’t list all their discounts very well, so here is a list both well-publicized in addition to some of the lesser obvious discounts you could be receiving when you buy auto insurance online.

  • Accident-Free Discounts – Drivers with accident-free driving histories can save substantially when compared to bad drivers.
  • One Accident Forgiven – This one is not really a discount per se, but companies like GEICO and Allstate allow you one accident before they charge you more for coverage if your claims history is clear for a specific time period.
  • Discount for Passive Restraints – Vehicles with factory air bags may get savings up to 30%.
  • Bundled Policy Discount – If you have multiple policies with the same company you could save up to 20% off your total premium.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to wear their seat belts could save 15% on the medical payments or PIP coverage costs.

It’s important to note that most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, company stockholders wouldn’t be very happy. But any discount will bring down the cost of your policy.

A list of companies and some of the premium reductions they offer include:

  • 21st Century offers premium reductions for defensive driver, theft prevention, early bird, good student, 55 and older, anti-lock brakes, and student driver.
  • Progressive policyholders can earn discounts including continuous coverage, homeowner, online signing, multi-vehicle, multi-policy, online quote discount, and good student.
  • State Farm offers discounts including multiple policy, defensive driving training, Steer Clear safe driver discount, driver’s education, accident-free, good driver, and Drive Safe & Save.
  • Nationwide may offer discounts for defensive driving, business or organization, multi-policy, Farm Bureau membership, and easy pay.
  • Esurance may have discounts that include online quote, good student, Switch & Save, defensive driver, Pac-12 alumni, and safety device.
  • The Hartford includes discounts for bundle, anti-theft, good student, defensive driver, vehicle fuel type, air bag, and driver training.

Before buying, ask each company what discounts are available to you. Depending on the company, some discounts may not apply in your area. If you would like to view insurance companies who offer online insurance quotes, click here to view.

How insurers determine Chevy Sportvan insurance prices

An important part of buying insurance is that you know some of the factors that go into determining car insurance rates. If you have a feel for what determines base rates, this allows you to make educated decisions that can earn you lower car insurance prices. Many different elements are considered when premium rates are determined. Most are fairly basic such as your driving record, but other criteria are more transparent like your vehicle usage or how financially stable you are.

The following are some of the factors used by insurance companies to determine prices.

  • Save money with higher coverage deductibles – Physical damage protection, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Some examples of covered claims are a dented fender, damage from fire, or theft. The deductibles you choose define the amount you are required to spend out-of-pocket in the event of a claim. The more damage repair cost you choose to pay out-of-pocket, the less money you will pay for car insurance on Sportvan insurance.
  • Annual mileage and car insurance premiums – The more you drive in a year the more you’ll pay to insure your vehicle. Almost all companies calculate rates determined by how the vehicle is used. Cars that are left in the garage get more affordable rates compared to those used for work or business. An improperly rated Sportvan can result in significantly higher rates. Verify your car insurance policy shows annual mileage.
  • Car insurance rates and your employer – Did you know your job can affect your rates? Careers such as judgesair traffic controllers and medical professionals usually pay higher premiums than the average policyholder attributed to intense work requirements and long work days. Conversely, professions such as actors, students and performers receive lower rates on Sportvan insurance.
  • Save money with good credit – Your credit history is a large factor in determining what you pay for car insurance. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with lower credit scores. So if your credit score leaves room for improvement, you could potentially save money when insuring your 1994 Chevrolet Sportvan by improving your rating.
  • Premiums may be higher where you live – Being located in smaller towns and rural areas of the country has definite advantages when trying to find low car insurance rates. Fewer drivers and short commutes corresponds to lower accident rates in addition to fewer liability claims. Residents of big cities have to deal with more traffic problems and longer commute times. More time on the road means more chance of being in an accident.
  • Gender and car insurance rates – Over the last 30 years, statistics show women are more cautious behind the wheel. The data does not necessarily mean that men are worse drivers. They both are in fender benders in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also receive more costly citations such as DWI and reckless driving.

How much insurance do I need?

When it comes to buying coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can aid in determining if your situation may require specific advice.

  • What is the minimum liability in my state?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is business equipment covered while in my vehicle?
  • How can I force my company to pay a claim?
  • Should I buy only the required minimum liability coverage?
  • Am I covered when driving on a suspended license?
  • Do I need special endorsements for business use of my vehicle?
  • How high should deductibles be on a 1994 Chevy Sportvan?
  • What is the ISO rating for a 1994 Chevy Sportvan?

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 a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Car insurance coverages explained

Understanding the coverages of your policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on the average car insurance policy.

Liability insurance

This coverage provides protection from injuries or damage you cause to other people or property. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as loss of income, medical expenses, repair bills for other people’s vehicles, legal defense fees and medical services. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

This provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 1994 Chevy Sportvan.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages do not exceed the liability coverage limits.

Collision coverage

Collision coverage pays for damage to your Sportvan resulting from colliding 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 can pay for claims such as crashing into a building, crashing into a ditch, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for short-term medical expenses for doctor visits, hospital visits, funeral costs, prosthetic devices and pain medications. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as theft, hitting a bird, falling objects and hitting a deer. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Feed the piggy bank

A few companies may not offer rate quotes online and many times these small, regional companies sell through independent insurance agencies. Budget-friendly auto insurance is definitely available from both online companies and from local agencies, and you should be comparing both in order to have the best chance of saving money.

We’ve covered many tips how you can get a better price on 1994 Chevy Sportvan insurance. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the biggest savings come from some of the lesser-known companies. Smaller companies may only write in your state and offer lower premium rates compared to the large companies like State Farm or Progressive.

When searching for cheaper auto insurance quotes, it’s very important that you do not buy less coverage just to save a little money. There are too many instances where an insured cut liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. The goal is to buy a smart amount of coverage at the best price, but do not skimp to save money.

More detailed auto insurance information can be found by following these links: