1991 Chevrolet Chevy Van Car Insurance Rates – 7 Savings Tips

Purchasing more affordable insurance coverage can seem to be problematic for consumers not familiar with shopping for insurance on the web. Because there are so many companies in the marketplace, how can you have a chance to compare each option to find the cheapest price possible?

Insurance coverage quotes comparison

When shopping for affordable car insurance quotes, there are a couple of ways to compare prices from companies that offer insurance coverage in your state. The recommended way to compare 1991 Chevy Chevy Van insurance prices is to perform an online rate comparison. It’s really quite simple and can be done in just a few minutes using one of these methods.

  1. If you’re in a hurry, the quickest way to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This style of form eliminates the need for repetitive form entry for each company. A single form gets rate comparisons from many national carriers. Recommended for those who want to invest the least amount of time.
  2. A different way to obtain and compare quotes online consists of going to the website for every company you want to comare and go through the quote process again. For sake of this example, let’s say you want to view quotes from Progressive, Safeco and Liberty Mutual. To do that, you would have to visit each site and repeatedly enter your information, which is not fast way to get rate quotes. To view a list of companies in your area, click here.
  3. The hardest method to do your price quoting is physically going to insurance agencies in your area. Comparing rates online makes this process obsolete unless you require the professional abilities of a licensed agent. However, consumers can get prices online and get advice from an agent in your area.

Whichever method you choose, ensure you’re using equivalent coverage limits on every price quote you get. If each company quotes different coverage information it will be very difficult to truly determine the lowest rate. Even a minor difference in limits could throw off the whole comparison. Just keep in mind that comparing more quotes provides better odds of finding more affordable rates.

Don’t miss with these seven discounts

The price of auto insurance can be rather high, but you might be missing out on some discounts that can dramatically reduce your bill. Most are applied when you purchase, but lesser-known reductions have to be specifically requested before being credited. If you’re not getting every credit possible, you could be paying more than you need to.

  • Discount for Life Insurance – If the company offers life insurance, you could get better premium rates if you take out a life policy as well.
  • Buy New and Save – Insuring a new car can be considerably cheaper because newer models are generally safer.
  • Pay Early and Save – By paying your policy upfront rather than paying monthly you can avoid monthly service charges.
  • Safe Driver Discount – Insureds without accidents can save as much as half off their rates for Chevy van coverage compared to accident prone drivers.
  • Own a Home and Save – Just owning your own home can help you save on car insurance due to the fact that maintaining a home requires a higher level of personal finance.
  • Anti-lock Brakes – Cars and trucks with ABS and/or traction control have fewer accidents and the ABS can save up to 10%.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll and complete driver’s education if it’s offered in school.

One last thing about discounts, most of the big mark downs will not be given to the entire cost. Most cut individual premiums such as medical payments or collision. Just because it seems like all those discounts means the company will pay you, nobody gets a free ride. Any qualifying discounts should definitely cut your overall premium however.

A few popular companies and the discounts they provide are included below.

  • Farm Bureau has discounts for renewal discount, safe driver, multi-vehicle, driver training, good student, multi-policy, and youthful driver.
  • State Farm has savings for good driver, Steer Clear safe driver discount, driver’s education, Drive Safe & Save, defensive driving training, passive restraint, and good student.
  • Progressive may offer discounts for multi-policy, good student, online quote discount, homeowner, online signing, multi-vehicle, and continuous coverage.
  • Allstate policyholders can earn discounts including multi-policy, defensive driver, eSmart discount, farm vehicle, good student, senior citizen, and premier discount.
  • Nationwide offers discounts for easy pay, good student, defensive driving, family plan, and anti-theft.
  • MetLife includes discounts for multi-policy, good student, good driver, accident-free, defensive driver, claim-free

When comparing rates, check with each company or agent which discounts you may be entitled to. Discounts might not be available to policyholders in your area. To see a list of companies who offer cheap car insurance quotes, click here.

Your situation helps dictate your coverage

When choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining whether you might need professional guidance.

  • How do I insure my teen driver?
  • When should I not file a claim?
  • Are my tools covered if they get stolen from my vehicle?
  • Can my teen drive my company car?
  • Do I need replacement cost coverage on my 1991 Chevy Chevy Van?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need higher collision deductibles?
  • Is my teenager covered with friends in the car?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form.

Specific coverage details

Having a good grasp of your policy helps when choosing the right coverages for your vehicles. Auto insurance terms can be confusing and coverage can change by endorsement.

Comprehensive coverages

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like vandalism, a broken windshield and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for bills for nursing services, funeral costs and pain medications. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability

This coverage will cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as attorney fees, structural damage and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision protection

Collision coverage covers damage to your Chevy Van caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as scraping a guard rail, crashing into a building, driving through your garage door, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. 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, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Have money to burn

When getting car insurance quotes online, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, someone sacrificed liability coverage limits and discovered at claim time that the savings was not a smart move. Your goal should be to buy the best coverage you can find at the best price and still be able to protect your assets.

Discount 1991 Chevy Chevy Van insurance can be bought from both online companies in addition to many insurance agents, and you should compare price quotes from both to have the best selection. A few companies do not offer online price quotes and usually these regional insurance providers provide coverage only through independent agencies.

Drivers who switch companies do it for any number of reasons including poor customer service, an unsatisfactory settlement offer, unfair underwriting practices or even policy cancellation. No matter why you want to switch, finding a great new company is less work than it seems.

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