1996 Chevrolet Chevy Van Insurance Rates – 7 Tricks for Best Quotes

Are you irritated from sacrificing other expenses to pay high car insurance rates every month? You’re in the same situation as many other drivers. Lots of insurance companies contend to insure your vehicles, so it’s not easy to compare every insurer to find the absolute best rates possible.

It’s smart to price shop coverage as often as possible due to the fact that insurance prices fluctuate regularly. If you had the lowest rates for Chevy van coverage at your last renewal you will most likely find a better premium rate today. Ignore everything you know about car insurance because you’re about to learn one of the best ways to buy cheaper car insurance.

Finding auto insurance

Finding a better price on auto insurance is a great way to save money. Drivers just need to spend a few minutes on the computer to compare rate quotes from online providers. This can be done using one of these methods.

The easiest and least time consuming way to compare a lot of rates at once is an all-inclusive rate comparison click here to open form in new window. This easy form prevents you from having to do boring form submissions for every company. Just one form gets rate comparisons from multiple companies.

A more time consuming way to compare rate quotes is spending the time to visit the website of each company to complete their respective quote request forms. For sake of this example, let’s say you want to get rates from Progressive, Safeco and GEICO. You would be required to spend time going to each site individually to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

If you have time to kill, the last way to do your price quoting is to spend your day driving to different agent offices. Doing it all online has made agencies unnecessary unless you have a complicated situation and need the professional advice of a licensed agent. Although you can get prices online and still use a local agent.

How you compare quotes is your choice, just ensure you are comparing apples-to-apples deductibles and coverage limits with each company. If you are comparing different limits and deductibles on each one it’s not possible to determine which company has the best rates.

Lower rate quotes with these seven insurance discounts

Companies that sell car insurance don’t always advertise every policy discount in a way that’s easy to find, so below is a list a few of the more well known and also the lesser-known savings tricks you should be using when you buy insurance online.

  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • Discounts for Seat Belt Usage – Requiring all passengers to use a seat belt can save 10% or more on the premium charged for medical payments and/or PIP.
  • New Vehicle Savings – Adding a new car to your policy can save you some money since new model year vehicles are generally safer.
  • Accident Forgiveness Coverage – but certain companies permit an accident before raising your premiums if you have no claims for a particular time prior to the accident.
  • Telematics Data Discounts – Insureds who allow their insurance company to study their driving habits by using a telematics device such as State Farm’s In-Drive could possibly reduce rates as long as they are good drivers.
  • Student Discounts – Excelling in school may save as much as 25% on a insurance quote. The discount lasts well after school through age 25.
  • ABS Brakes – Cars equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.

A little disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Some only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like all the discounts add up to a free policy, it’s just not the way it works.

A list of companies and their possible discounts are outlined below.

  • GEICO includes discounts for membership and employees, military active duty, multi-vehicle, defensive driver, daytime running lights, good student, and federal employee.
  • Auto-Owners Insurance policyholders can earn discounts including paid in full, multiple vehicles, safe driver, student away at school, anti-lock brakes, multi-policy, and group or association.
  • American Family discounts include air bags, Steer into Savings, mySafetyValet, good driver, good student, and early bird.
  • Esurance may include discounts for Pac-12 alumni, defensive driver, multi-car, homeowner, claim free, online quote, and Switch & Save.
  • Progressive may offer discounts for multi-policy, multi-vehicle, continuous coverage, good student, online quote discount, and homeowner.
  • State Farm offers premium reductions for multiple autos, anti-theft, Steer Clear safe driver discount, safe vehicle, defensive driving training, good driver, and student away at school.
  • AAA offers discounts for multi-car, multi-policy, anti-theft, pay-in-full, and education and occupation.

If you are trying to find low cost insurance quotes, ask all the companies what discounts are available to you. Savings might not be available to policyholders in your area. To see a list of insurers that provide some of the discounts listed above, follow this link.

Car insurance can get complicated

When choosing the right insurance coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether your personal situation will benefit from professional help.

  • What is medical payments coverage?
  • Should I bundle my homeowners policy with my auto?
  • Are my tools covered if they get stolen from my vehicle?
  • What can I do if my company denied a claim?
  • Is my babysitter covered when using my vehicle?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is a blown tire covered by insurance?
  • What if I owe more than I can insure my car for?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverages 101

Having a good grasp of insurance can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most insurance policies.

Coverage for liability

This protects you from damage or injury you incur to people or other property in an accident. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims such as repair bills for other people’s vehicles, emergency aid, repair costs for stationary objects, legal defense fees and structural damage. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually these coverages are set the same as your liablity limits.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for nursing services, funeral costs, surgery and hospital visits. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Auto collision coverage

Collision coverage pays for damage to your Chevy Van resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like backing into a parked car, scraping a guard rail, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive coverage

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hail damage, damage from flooding, damage from a tornado or hurricane and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

In conclusion

Budget-conscious 1996 Chevy Chevy Van insurance can be sourced online in addition to many insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers do not provide online quoting and usually these smaller providers prefer to sell through local independent agencies.

In this article, we covered some good ideas how you can compare 1996 Chevy Chevy Van insurance car insurance rates online. It’s most important to understand that the more times you quote, the better likelihood of getting affordable insurance. You may even discover the best car insurance rates are with some of the lesser-known companies. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.

While you’re price shopping online, you should never buy poor coverage just to save money. There have been many situations where an accident victim reduced collision coverage only to find out that their decision to reduce coverage ended up costing them more. The goal is to get the best coverage possible at an affordable rate but still have enough coverage for asset protection.

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