Cheaper 2005 Chevrolet Venture Car Insurance Rates

Looking for cheaper insurance coverage rates for your Chevrolet Venture? No one anticipates paying for insurance coverage, in particular when they could find better prices if they shop around.

Consumers have so many auto insurance companies to choose from, and even though it’s nice to have a choice, it can be more difficult to compare company pricing.

It’s a great practice to compare prices as often as possible since rates tend to go up over time. Even if you got the lowest premium rates for Venture insurance two years ago you can probably find a lower rate today. Ignore everything you know about insurance coverage because you’re about to learn the best way to buy cheaper insurance coverage.

The most recommended method to compare policy rates is to know the trick car insurance companies have advanced systems to provide you with free rate quotes. The only thing you need to do is give them rating details like how much school you completed, which vehicles you own, if the vehicle is leased, and if a SR-22 is needed. Those rating factors is instantly provided to multiple companies and they return quotes immediately.

Auto insurance advertisements

Popular auto insurance providers such as Progressive, Allstate and GEICO continually stream ads on television and other media. All the companies state the claim that drivers can save some big amount if you change your auto insurance coverage to their company. It sounds good, but how can they all sell you cheaper insurance coverage?

Many companies quote the lowest rates for the type of driver that earns them the most money. One example of this type of insured might have to be married and over the age of 30, has other policies, and has excellent credit. A customer who fits those characteristics will probably get cheap premium rates and as a result will probably cut their rates if they switch.

People who are not a match for the requirements may be required to pay higher rates which leads to the driver buying from a lower-cost company. Company advertisements say “drivers that switch” but not “all drivers who get quotes” can save as much as they claim. That’s why insurance companies can confidently lure you into getting a quote.

This really illustrates why it’s extremely important to get car insurance quotes as often as possible. It’s just not possible to know which auto insurance company will give you lower premium rates than your current company.

Find hidden discounts on auto insurance

Companies offering auto insurance don’t always publicize every policy discount very well, so the list below contains a few of the more common and the harder-to-find discounts you could be receiving when you buy car insurance online.

  • Braking Control Discount – Cars and trucks with ABS braking systems or traction control can avoid accidents and will save you 10% or more.
  • Claim Free – Claim-free drivers get the best auto insurance rates as opposed to bad drivers.
  • Theft Deterent System – Cars and trucks with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Distant College Student Discount – Older children who live away from home to go to college and won’t have access to an insured vehicle could get you a discount.
  • Discount for Passive Restraints – Options like air bags can receive discounts of 20 to 30 percent.
  • Sign Early and Save – Some insurance companies give discounts for buying a new policy prior to the expiration date on your current policy. Ten percent is about the average savings.
  • Waiver for an Accident – but companies like Allstate and State Farm will let one accident slide before your rates go up as long as you don’t have any claims for a specific time period.
  • Senior Discount – Drivers over the age of 55 are able to get a discount up to 10% for Venture insurance.
  • Low Mileage – Keeping the miles down on your Chevy can qualify you for substantially lower premium rates.
  • Student Discounts – Being a good student can get you a discount of up to 25%. The good student discount can last up until you turn 25.

Discounts save money, but please remember that most discount credits are not given to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. If you do the math and it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Some of the insurance companies that may offer quotes with these discounts are:

Before purchasing a policy, check with every prospective company how many discounts you can get. Savings might not be available to policyholders in your area.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there is no best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. These are some specific questions could help you determine if your insurance needs will benefit from professional help.

  • What should my uninsured motorist coverage limits be in my state?
  • Does coverage extend to my business vehicle?
  • When would I need additional glass coverage?
  • Is my camper covered by my car insurance policy?
  • Is business equipment covered while in my vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • Does having multiple vehicles earn me a discount?
  • What companies insure drivers after a DUI or DWI?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Insurance coverages 101

Knowing the specifics of your policy helps when choosing appropriate coverage for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages found on most insurance policies.

Collision coverage – This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sideswiping another vehicle, hitting a parking meter, crashing into a building, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Chevy Venture.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for immediate expenses like hospital visits, funeral costs, pain medications, nursing services and rehabilitation expenses. They can be used in conjunction with a health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverage – Liability insurance provides protection from damage that occurs to a person or their property in an accident. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

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 limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims like medical services, bail bonds, funeral expenses, repair costs for stationary objects and pain and suffering. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive coverages – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a deer, a tree branch falling on your vehicle, falling objects, damage from getting keyed and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

In conclusion

Throughout this article, we presented quite a bit of information on how to compare 2005 Chevy Venture insurance rates online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the most savings is with some of the lesser-known companies. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

The cheapest 2005 Chevy Venture insurance is possible online in addition to local insurance agencies, so you should compare both to get a complete price analysis. There are still a few companies who may not provide internet price quotes and these regional carriers prefer to sell through independent agents.

More detailed insurance information is located in these articles: