1995 Chevrolet Chevy Van Car Insurance Quotes – 5 Tricks for Cheaper Rates

Searching for cheaper car insurance rates for your Chevrolet Chevy Van? If shopping for auto insurance quotes online is new to you, you can be baffled by the confusing number of car insurance companies vying for business.

Free insurance quotes

Effectively comparing insurance prices can be exhausting if you don’t know the most efficient way to do it. You can spend your afternoon talking to insurance agencies in your area, or you could save time and use online quoting to get pricing more quickly.

Most major companies take part in a program that enables customers to submit one quote, and at least one company then gives them pricing based on the submitted data. This system prevents you from having to do repetitive form submissions to each company.

To submit your quote information now, click here to open in new window.

The single downside to getting quotes like this is you are unable to specify which insurance companies you want pricing from. If you prefer to choose specific insurance companies to compare prices, we have a listing of insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, make darn sure you compare the exact same deductibles and coverage limits with each company. If you use different liability limits it will be very difficult to get a fair rate comparison. Even a minor difference in coverages could throw off the whole comparison. And when quoting insurance, remember that comparing more quotes gives you a better chance of getting more affordable rates.

Find hidden discounts on insurance coverage

Car insurance can cost a lot, but there may be some discounts that could drop your premiums quite a bit. Certain reductions will be credited when you complete an application, but a few need to be specifically requested before they will apply. If you do not double check each discount you deserve, you could be paying more than you need to.

  • Claim Free – Drivers who don’t have accidents get the best insurance coverage rates in comparison to drivers with a long claim history.
  • Homeowners Savings – Owning a house can get you a discount because maintaining a house shows financial diligence.
  • Anti-theft System – Cars equipped with anti-theft or alarm systems have a lower chance of being stolen and will save you 10% or more.
  • Active Service Discounts – Being deployed with a military unit could qualify you for better rates.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.

It’s important to understand that most discount credits are not given to your bottom line cost. The majority will only reduce specific coverage prices like comp or med pay. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way.

The best insurance coverage companies and some of the premium reductions they offer are outlined below.

  • State Farm may offer discounts for anti-theft, Steer Clear safe driver discount, safe vehicle, driver’s education, and defensive driving training.
  • Progressive policyholders can earn discounts including online signing, multi-policy, homeowner, multi-vehicle, and continuous coverage.
  • Progressive may have discounts that include multi-policy, continuous coverage, online signing, homeowner, and online quote discount.
  • MetLife may include discounts for claim-free, defensive driver, good driver, multi-policy, accident-free, good student
  • Farm Bureau offers discounts including multi-policy, driver training, multi-vehicle, 55 and retired, and safe driver.
  • GEICO discounts include federal employee, membership and employees, air bags, military active duty, driver training, defensive driver, and multi-policy.
  • SAFECO includes discounts for bundle discounts, anti-lock brakes, safe driver, accident prevention training, and teen safety rewards.

Before buying, ask each insurance company which discounts they offer. Some discounts listed above may not be offered in your area. If you would like to view providers who offer free insurance coverage quotes, follow this link.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight if you might need an agent’s assistance.

  • Where can I find DUI or SR-22 insurance?
  • How does medical payments coverage work?
  • Do I need replacement cost coverage on my 1995 Chevy Chevy Van?
  • When should I buy a commercial auto policy?
  • Am I better off with higher deductibles on my 1995 Chevy Chevy Van?
  • When should I drop full coverage on my 1995 Chevy Chevy Van?
  • Do I need motorclub coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Save $470 a year! What?

Companies like Allstate and Progressive regularly use television, radio, and online ads. All the ads have a common claim about saving some big amount after switching your insurance policy to them. How is it plausible that every one can claim to save you money? It’s all in the numbers.

Insurance companies have a preferred profile for the type of customer that makes them money. A good example of this type of risk profile might be described as a married female, has no driving citations, and drives a safe vehicle. Any person that meets those criteria gets the lowest premium rates and therefore will save quite a bit of money when switching.

Potential insureds who cannot meet the ideal profile will have to pay more expensive rates and this can result in the customer not purchasing. Company advertisements say “people that switch” not “everyone that quotes” save that much money. That’s the way insurance companies can confidently make it sound like they have such great rates.

This really drives home the point why drivers must get auto insurance quotes as often as possible. It’s not possible to predict which insurance company will have the best prices at this point in time.

What insurance coverages do you need?

Understanding the coverages of a insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Auto collision coverage

This covers damage to your Chevy Van from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like sustaining damage from a pot hole, driving through your garage door, backing into a parked car and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability coverages

Liability coverage can cover damage that occurs to a person or their property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like pain and suffering, legal defense fees, medical services and bail bonds. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like X-ray expenses, funeral costs, chiropractic care, doctor visits and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Comprehensive coverage (or Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hail damage, damage from a tornado or hurricane and damage from flooding. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Chevy Chevy Van.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

The bottom line

Drivers who switch companies do it for a variety of reasons including high rates after DUI convictions, poor customer service, not issuing a premium refund or even delays in paying claims. Regardless of your reason, switching insurance coverage companies is actually quite simple.

Low-cost 1995 Chevy Chevy Van insurance can be bought on the web and from local insurance agents, and you should compare rates from both to have the best rate selection. Some insurance providers don’t offer online quoting and many times these regional carriers only sell through independent agents.

We just presented a lot of ways to reduce 1995 Chevy Chevy Van insurance car insurance rates online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding the cheapest auto insurance. You may be surprised to find that the lowest car insurance rates come from a smaller regional carrier.

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