1991 Chevrolet R/V 3500 Series Insurance Cost – 5 Savings Tips

Having to pay for pricey Chevrolet R/V 3500 Series insurance can sap your savings and possibly require postponing other expenditures. Doing a rate analysis is a great way to make sure you’re not throwing money away.

Insurance companies such as Progressive, Geico and Farmers Insurance constantly blast consumers with ads and it is challenging if not impossible to separate fact from fiction and find the best price available.

The method we recommend to compare car insurance company rates takes advantage of the fact almost all companies pay for the opportunity to provide you with a free rate quote. The only thing you need to do is provide the companies a bit of rating information such as coverage limits, how much education you have, which vehicles you own, and if you lease or own. Your insurance information is instantly provided to all major companies and they return quotes quickly.

More discounts mean cheap premiums

Some insurers don’t list their entire list of discounts in an easy-to-find place, so we researched a few of the more well known and also the more inconspicuous credits that may apply to you.

  • Early Renewal Discounts – A few insurance companies allow discounts for switching to them before your current expiration date. You could save around 10% when you buy auto insurance online.
  • Discount for Good Grades – A discount for being a good student may save as much as 25% on a auto insurance quote. The good student discount can last until age 25.
  • Air Bag Discount – Cars that have air bags or motorized seat belts may qualify for discounts of 25 to 30%.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use their safety belts can save 10% or more off PIP or medical payments premium.
  • Multi-line Discount – Select insurance companies reward you with lower car insurancerates if you buy some life insurance too.

You can save money using discounts, but many deductions do not apply to the entire cost. Most only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like it’s possible to get free car insurance, car insurance companies aren’t that generous.

Some of the insurance companies that may offer policyholders some of the discounts shown above possibly include:

Before purchasing a policy, check with each company or agent what discounts are available to you. Some discounts may not apply to policyholders in your area. If you would like to see a list of companies with the best discounts, click here to view.

It’s not one size fits all

When it comes to buying proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions might help in determining if you may require specific advice.

  • Does my car insurance cover rental cars?
  • Can I afford to buy a different vehicle if my 1991 Chevy R/V 3500 Series is totaled?
  • Am I covered when driving in Canada or Mexico?
  • Can I rate high risk drivers on liability-only vehicles?
  • What is the ISO rating for a 1991 Chevy R/V 3500 Series?
  • Why is insurance for a teen driver so high?
  • Should I buy full coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Coverage specifics

Understanding the coverages of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by insurance companies.

Collision protection

This coverage will pay to fix damage to your R/V 3500 Series resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with another moving vehicle, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Auto liability insurance

Liability coverage protects you from damage that occurs to people or other property that is your fault. It protects YOU from claims by other people, 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 commonly see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as loss of income, medical expenses and court costs. How much coverage you buy is a personal decision, but buy as much as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Chevy R/V 3500 Series.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive protection

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like fire damage, vandalism, hail damage and a tree branch falling on your vehicle. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like doctor visits, nursing services, prosthetic devices and hospital visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Have the Midas touch

In this article, we presented many ways to reduce 1991 Chevy R/V 3500 Series insurance auto insurance rates online. The most important thing to understand is the more price quotes you have, the better likelihood of getting low cost auto insurance. You may be surprised to find that the best price on car insurance is with a lesser-known regional company. Regional companies may have significantly lower premium rates on certain market segments than the large multi-state companies such as Progressive and Geico.

Cheaper car insurance is definitely available online in addition to local insurance agencies, and you should be comparing both in order to have the best chance of saving money. Some insurance companies may not provide the ability to get a quote online and most of the time these regional carriers only sell through independent agents.

To learn more, link through to the articles below: