2001 Chevrolet Venture Insurance Quotes – 8 Policy Discounts

Searching for the cheapest car insurance rates? Consumers have options when looking for the lowest priced Chevy Venture insurance. You can either waste hours calling around trying to get quotes or leverage the internet to make rate comparisons.

There are both good and bad ways to compare car insurance rates so you’re going to learn the proper way to price shop coverage for a new or used Chevy and get the cheapest rates either online or from local insurance agents.

Consumers need to shop coverage around every six months because car insurance prices are adjusted regularly by insurance companies. Even if you think you had the best deal on Venture insurance a couple years back there is a good chance you can find better premium rates now. There are a lot of ways to save on car insurance out there, but in this article, you’re going to get some of the best techniques to lower your car insurance rates.

The purpose of this post is to familiarize you with how car insurance quotes work and some money-saving tips. If you currently have car insurance, you stand a good chance to be able to save some money using this strategy. Drivers just need to understand the most effective way to compare company rates over the internet.

Car insurance policy discounts

Car insurance is not cheap nor is it fun to buy but you may be missing some discounts to help bring down the price. Some discounts apply automatically at the time you complete a quote, but a few need to be manually applied prior to getting the savings.

  • Professional Memberships – Being in certain professional organizations may earn a discount on your next renewal.
  • Employee of Federal Government – Federal government employees can earn a discount up to 10% on Venture insurance with select insurance companies.
  • Driver Safety – Successfully completing a driver safety course could possibly earn you a 5% discount and make you a better driver.
  • Save over 55 – Drivers over the age of 55 could receive a small discount on rates on Venture insurance.
  • Onboard Data Collection – Drivers who agree to allow data collection to study driving patterns through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks as long as they are good drivers.
  • Own a Home and Save – Owning a home may earn you a small savings because of the fact that having a home shows financial diligence.
  • Savings for New Vehicles – Putting insurance coverage on a new car may earn a small discount compared to insuring an older model.
  • Braking Control Discount – Vehicles that have steering control and anti-lock brakes can reduce accidents so companies give up to a 10% discount.

As a sidenote, some credits don’t apply to your bottom line cost. Most only reduce individual premiums such as liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

Insurance companies who might offer some of the above discounts include:

If you need cheaper insurance coverage quotes, ask each insurance company to give you their best rates. Some of the discounts discussed earlier might not be offered in your area. If you would like to view insurance companies that offer some of these discounts, click this link.

How do I know if I need professional advice?

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.

For example, these questions can aid in determining whether your personal situation might need professional guidance.

  • When would I need additional glass coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Is my babysitter covered when using my vehicle?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How much underlying liability do I need for an umbrella policy?
  • Can I drive in Mexico and have coverage?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered if I hit my neighbor’s mailbox?
  • Should I put collision coverage on all my vehicles?
  • Does having multiple vehicles earn me a discount?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

Can switching companies really save?

Consumers can’t get away from all the ads that claim the lowest car insurance rates from companies such as State Farm, GEICO and Progressive. They all make the same claim about savings if you switch your coverage to them.

Is it even possible that every company can charge less that you’re paying now? It’s all in the words they use.

Different companies have a preferred profile for the type of driver that earns them the most money. A good example of a profitable risk profile could be between 25 and 40, has no claims, and drives a safe vehicle. Any customer that hits that “sweet spot” will get very good rates and most likely will cut their rates if they switch.

People who don’t qualify for these criteria will probably have to pay a more expensive rate with the end result being the prospect going elsewhere. The ads state “people who switch” not “everyone who quotes” save that much money. This is how companies can truthfully make claims like that.

Each company has different criteria, so you absolutely need to compare price quotes frequently. It is impossible to guess which company will have the best car insurance rates at this point in time.

Car insurance coverages 101

Learning about specific coverages of a car insurance policy helps when choosing appropriate coverage for your vehicles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like falling objects, damage from getting keyed, rock chips in glass and fire damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability insurance – Liability insurance can cover injuries or damage you cause to other’s property or people that is your fault. This coverage 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, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims such as pain and suffering, loss of income, court costs, legal defense fees and medical expenses. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for bills for things like X-ray expenses, rehabilitation expenses and prosthetic devices. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision – Collision coverage covers damage to your Venture resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like scraping a guard rail, driving through your garage door, hitting a parking meter, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Online plus local equals savings

Drivers leave their current company for any number of reasons including policy cancellation, policy non-renewal, an unsatisfactory settlement offer or denial of a claim. Regardless of your reason for switching companies, switching companies is actually quite simple.

Some companies do not provide online price quotes smaller providers provide coverage only through independent insurance agencies. Budget-conscious 2001 Chevy Venture insurance can be sourced online and from local agencies, so you should compare both in order to have the best chance of saving money.

We just showed you some good ideas how you can get a better price on 2001 Chevy Venture insurance. The key thing to remember is the more you quote insurance coverage, the better likelihood of getting low cost insurance coverage. Drivers may discover the most savings is with some of the lesser-known companies.

Additional insurance coverage information can be found at the links below