Cheap 2000 Chevrolet Venture Car Insurance Rates

Expensive Chevrolet Venture insurance can take a big chunk out of your savings and put the squeeze on your family’s finances. Companies like GEICO, 21st Century and Progressive promote their brand names with advertising and consumers find it hard to ignore the flashy ads and find the best price available.

If you are insured now or are shopping for new coverage, you can use this information to get lower rates and still get good coverage. Finding the best rates is not that difficult. Vehicle owners only need to know the proper way to buy auto insurance online.

How you can control Chevy Venture insurance prices

Many factors are used when you get your auto insurance bill. Most are fairly basic such as your driving history, although some other factors are less apparent such as whether you are married or your commute time.A large part of saving on insurance coverage is knowing the different types of things that come into play when calculating your premiums. If you know what controls the rates you pay, this enables informed choices that may reward you with much lower annual insurance costs.

The items below are a few of the things used by insurance companies to determine premiums.

  • Guys pay higher costs – The statistics show that females take fewer risks when driving. The data does not necessarily mean that females are better at driving than males. Both genders are responsible for at-fault accidents in similar percentages, but guys get into accidents with more damage. Men also get cited for more serious violations like reckless driving and DUI. Males from age 16 to 21 tend to get in the most accidents and therefore pay the highest rates.
  • How much liability insurance do you need? – The liability section of your policy provides coverage if you are responsible for physical damage or personal injury to other. This coverage provides for a legal defense which can cost a lot. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
  • Cheaper premiums using theft deterrents – Purchasing a vehicle with an alarm system can help lower your rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent auto theft and help lower rates.
  • Do you need those incidental coverages? – There are a lot of optional add-on coverages that you can get tricked into buying if you aren’t diligent. Coverage for things like roadside assistance, towing coverage, and extra equipment coverage are examples of these. These may sound like a good investment when you first buy your policy, but your money might be better spent on other coverage so eliminate them to save money.

Pay discount rates these premium-slashing discounts

Auto insurance is neither fun to buy or cheap, but companies offer discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you quote, but once in a while a discount must be inquired about prior to getting the savings.

  • Smart Student Discounts – A discount for being a good student can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
  • Claim-Free Discount – Drivers who don’t have accidents pay much less as compared to accident-prone drivers.
  • Resident Student – Children who attend college more than 100 miles from home and do not take a car to college could get you a discount.
  • Multiple Vehicles – Buying coverage for all your vehicles on the same auto insurance policy can reduce the rates for all insured vehicles.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you can avoid monthly service charges.
  • Paper-free Discount – A handful of insurance companies may give you up to $50 get insurance online.
  • Military Discounts – Being on active duty in the military can result in better auto insurance rates.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle up can save up to 10 percent (depending on the company) off the personal injury premium cost.

Drivers should understand that most of the big mark downs will not be given to the entire cost. Some only reduce individual premiums such as medical payments or collision. So even though they make it sound like you could get a free auto insurance policy, you aren’t that lucky. Any qualifying discounts will definitely lower the cost of your policy.

A few popular companies and their possible discounts are detailed below.

  • State Farm policyholders can earn discounts including Drive Safe & Save, defensive driving training, multiple policy, accident-free, student away at school, good student, and anti-theft.
  • GEICO may offer discounts for membership and employees, seat belt use, daytime running lights, multi-policy, federal employee, and anti-theft.
  • Allstate has savings for anti-lock brakes, 55 and retired, eSmart discount, premier discount, and anti-theft.
  • SAFECO includes discounts for safe driver, anti-lock brakes, multi-car, teen safety rewards, drive less, and anti-theft.
  • Farm Bureau may include discounts for safe driver, youthful driver, renewal discount, good student, driver training, multi-vehicle, and multi-policy.
  • Progressive offers discounts including online signing, multi-policy, online quote discount, multi-vehicle, homeowner, and good student.
  • AAA offers discounts for education and occupation, anti-theft, multi-car, AAA membership discount, multi-policy, and pay-in-full.

When quoting, ask every prospective company to give you their best rates. All car insurance discounts may not apply to policyholders in your area. For a list of auto insurance companies that offer the discounts shown above, click here.

Do I need special coverages?

When it comes to buying coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions could help you determine if you might need professional guidance.

  • Does my 2000 Chevy Venture need full coverage?
  • Am I covered when delivering products for my home-based business?
  • Am I covered if I crash into my own garage door?
  • Should I have a commercial auto policy?
  • Does my personal policy cover me when driving out-of-state?
  • Is my camper covered by my car insurance policy?
  • What should my uninsured motorist coverage limits be in my state?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, free and can help protect your family.

Insurance coverage options for a Chevy Venture

Knowing the specifics of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by insurance companies.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your 2000 Chevy Venture.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Auto collision coverage

This coverage will pay to fix damage to your Venture caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as driving through your garage door, hitting a parking meter and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, rock chips in glass, damage from getting keyed and falling objects. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability

Liability coverage protects you from damage or injury you incur to people or other property that is your fault. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things like loss of income, medical services, structural damage, court costs and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like dental work, X-ray expenses and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Online plus local equals savings

We covered some good ideas how you can shop for 2000 Chevy Venture insurance online. The key concept to understand is the more you quote insurance, the better chance you’ll have of finding the cheapest insurance. Consumers may even find the best car insurance rates are with a lesser-known regional company. They can often provide lower premium rates in certain areas than the large multi-state companies such as Progressive or GEICO.

The cheapest 2000 Chevy Venture insurance is available both online in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide rates over the internet and usually these smaller providers only sell coverage through local independent agents.

More detailed auto insurance information can be found at these sites: