1998 Chevrolet Chevy Van Insurance Rates – 5 Tips for Cheaper Quotes

Trying to find the cheapest insurance coverage rates for your Chevrolet Chevy Van? Are you burned out from being strong-armed to pay insurance coverage each month? You are no different than many other consumers. Numerous insurance companies battle for your insurance dollar, and because of this it can be hard to compare insurance companies and uncover the absolute best rate

It’s smart to do price comparisons as often as possible because insurance coverage rates are variable and change quite frequently. Just because you had the lowest premium rates for Chevy van insurance last year other companies may now be cheaper. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the things you must know in order to find the best coverage while lowering your premiums.

If you are insured now or need a new policy, you can follow these tips to reduce the price you pay while maximizing coverage. Buying car insurance is not that difficult. Drivers only need an understanding of how to shop their coverage around online.

Get affordable car insurance rates with discounts

Companies that sell car insurance don’t always list all available discounts in an easy-to-find place, so the following list contains a few of the more well known as well as the least known credits available to bring down your rates.

  • No Accidents – Claim-free drivers pay much less when compared with accident-prone drivers.
  • Defensive Driver – Taking part in a defensive driver class can save you 5% or more if you qualify.
  • Low Miles Discount – Driving fewer miles can qualify you for slightly better premium rates than normal.
  • Multiple Policy Discount – When you combine your auto and homeowners insurance and place coverage with the same company you could earn a discount of up to 20% and get you low cost insurance coverage.
  • Sign Online – Some of the larger companies will discount your bill up to fifty bucks for completing your application on the web.

As a sidenote, some credits don’t apply the the whole policy. Most only apply to the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Large car insurance companies and some of their more popular discounts include:

  • The Hartford discounts include good student, anti-theft, air bag, driver training, and vehicle fuel type.
  • American Family may have discounts that include Steer into Savings, good driver, TimeAway discount, air bags, defensive driver, and mySafetyValet.
  • Progressive offers discounts for multi-policy, online quote discount, homeowner, good student, and continuous coverage.
  • Travelers has savings for good student, home ownership, multi-car, multi-policy, IntelliDrive, save driver, and hybrid/electric vehicle.
  • Farmers Insurance includes discounts for multi-car, homeowner, electronic funds transfer, youthful driver, good student, and distant student.
  • USAA has discounts for family discount, defensive driver, loyalty savings, vehicle storage, multi-policy, and new vehicle.
  • Liberty Mutual policyholders can earn discounts including newly married, hybrid vehicle, multi-policy, new move discount, multi-car, and exclusive group savings.

If you are trying to find cheaper insurance coverage quotes, ask every prospective company the best way to save money. Some discounts may not apply in your area.

Tailor your insurance coverage to you

When buying the best insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions might help in determining whether you might need an agent’s assistance.

  • Am I better off with higher deductibles on my 1998 Chevy Chevy Van?
  • Why am I required to buy high-risk coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I have a commercial auto policy?
  • Is my 1998 Chevy Chevy Van covered for smoke damage?
  • Is my teen driver covered when they drive my company car?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage basics

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages available from insurance companies.

Auto liability insurance

Liability insurance protects you from injuries or damage you cause to a person or their property that is your fault. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like legal defense fees, emergency aid, medical services and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Chevy Chevy Van.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like hospital visits, dental work, pain medications, EMT expenses and nursing services. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

Collision coverage will pay to fix damage to your Chevy Van from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, sideswiping another vehicle, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Comprehensive or Other Than Collision

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, falling objects, hitting a deer, theft and damage from getting keyed. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Saving money is sweet as honey

A few companies do not offer online quoting and these smaller providers sell through independent insurance agencies. Low-cost 1998 Chevy Chevy Van insurance can be found on the web and with local insurance agents, so compare prices from both in order to have the best chance of saving money.

When searching for the cheapest insurance coverage quotes, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced comprehensive coverage or liability limits only to regret that the savings was not a smart move. The proper strategy is to get the best coverage possible at the lowest possible cost.

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