1992 Chevrolet Sportvan Car Insurance Cost – 5 Savings Tips

Buyers have many options when searching for affordable Chevy Sportvan insurance. You can either waste hours contacting agents trying to get quotes or utilize the internet to get rate quotes.

There is a right way and a wrong way to compare insurance rates so we’re going to tell you the quickest way to get price quotes for a Chevy and obtain the cheapest rates.

How to shop insurance coverage online

There are a variety of methods to compare insurance coverage quotes, but some are more efficient than others. You could waste a few hours driving to insurance agencies in your area, or you could save time and use the internet to accomplish the same thing much quicker.

Most of the best insurance companies participate in an industry program that enables customers to complete one form, and each participating company provides a quote determined by their information. This saves time by eliminating quote requests for each company you want a rate for.

To find out what other companies charge click here to open in new window.

The one disadvantage to getting quotes like this is you can’t choose which providers you will receive quotes from. So if you prefer to choose specific providers to request quotes from, we have assembled a list of the cheapest insurance coverage companies in your area. Click to view list.

It’s up to you which method you use, but try to use exactly the same deductibles and coverage limits with each company. If the quotes have different data you will not be able to determine the lowest rate for your Chevy Sportvan.

Insurance coverage policy discounts

Some insurance providers do not list all available discounts in a way that’s easy to find, so we took the time to find both well-publicized as well as the least known credits available to lower your premiums when you buy car insurance online.

  • Theft Deterent System – Cars equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and earn discounts up to 10% off your car insurance quote.
  • Good Student – Excelling in school can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Cautious Driver Discount – Safe drivers could pay up to 40% less for Sportvan insurance than less cautious drivers.
  • Memberships – Joining qualifying clubs or civic groups could earn you a nice discount when shopping for insurance coverage.
  • Policy Bundle Discount – If you have multiple policies and insure them both with the same insurance company you will save at least 10 to 15 percent or more.

Discounts lower rates, but some of the credits will not apply the the whole policy. A few only apply to specific coverage prices like comp or med pay. Despite the fact that it seems like you can get free auto insurance, companies wouldn’t make money that way.

A few companies that have these money-saving discounts include:

It’s a good idea to ask each company or agent which discounts you qualify for. Some of the discounts discussed earlier may not apply to policyholders in your state. If you would like to choose from a list of companies that provide some of the discounts listed above, click here.

How do I know if I need professional advice?

When buying coverage for your vehicles, there really is no perfect coverage plan. Every insured’s situation is different.

These are some specific questions could help you determine whether you would benefit from professional advice.

  • Does my policy pay for OEM or aftermarket parts?
  • Should I buy more coverage than the required minimum liability coverage?
  • How much can I save by bundling my policies?
  • Do I have newly-aquired coverage?
  • Is my teenager covered with friends in the car?
  • Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Educate yourself about car insurance coverages

Understanding the coverages of your car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for expenses like chiropractic care, pain medications and surgery. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Collision protection

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as backing into a parked car, hitting a mailbox, driving through your garage door, sustaining damage from a pot hole and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, damage from getting keyed and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverages

This provides protection from damage or injury you incur to other’s property or people in an accident. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: 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 means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as court costs, attorney fees and structural damage. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Be a money saver!

Insureds switch companies for a variety of reasons including delays in responding to claim requests, questionable increases in premium, high prices and extreme rates for teen drivers. Whatever your reason, finding the right insurance coverage provider can be easier than you think.

When trying to cut insurance costs, it’s very important that you do not buy less coverage just to save a little money. In many cases, someone dropped collision coverage to discover at claim time that it was a big mistake. Your objective should be to buy a smart amount of coverage at the best possible price while not skimping on critical coverages.

Budget-conscious 1992 Chevy Sportvan insurance can be purchased from both online companies in addition to many insurance agents, so you need to quote car insurance with both to get a complete price analysis. Some insurance providers do not provide online quoting and these small insurance companies sell through local independent agents.

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