Cheap 1996 Chevrolet Chevy Van Insurance Quotes

Want lower insurance coverage rates for your Chevrolet Chevy Van? Trying to find low-cost insurance for a Chevy Chevy Van could be a painful process, but you can learn a few tricks to make it easier.

There are more efficient ways to compare insurance coverage rates and you need to know the best way to compare rates for a new or used Chevy and obtain the cheapest rates from both online companies and local agents.

It’s a good habit to shop coverage around as often as possible since insurance prices are usually higher with each renewal. Even if you think you had the best deal for Chevy van insurance a couple years back you will most likely find a better premium rate today. Ignore everything you know about insurance coverage because we’re going to show you the tricks you need to know to find lower rates on insurance coverage.

Auto insurance rates and discounts

Companies offering auto insurance don’t list the entire discount list in an easy-to-find place, so we break down a few of the more well known and the harder-to-find discounts that you may qualify for.

  • E-sign Discounts – A few insurance companies will discount your bill up to fifty bucks get insurance on their website.
  • Safe Driver Discounts – Drivers who don’t get into accidents may save up to 50% more for Chevy van insurance compared to rates paid by drivers with frequent claims.
  • More Vehicles More Savings – Buying insurance for multiple vehicles on a single policy can get a discount for every vehicle.
  • Homeowners Savings – Owning a house can save a few bucks due to the fact that maintaining a home requires personal responsibility.
  • Distant College Student Discount – Any of your kids who are enrolled in higher education away from home and leave their car at home may qualify for this discount.
  • Accident-Free Discounts – Good drivers with no accidents can save substantially as compared to insureds who have frequent claims or accidents.
  • Government Employee Discount – Federal government employees can save as much as 8% for Chevy van insurance but check with your company.
  • Onboard Data Collection – Drivers who elect to allow driving data collection to monitor their driving habits by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they have good driving habits.
  • 55 and Retired – Mature drivers may qualify for a small decrease in premiums for Chevy van insurance.
  • Seat Belts Save – Drivers who require all occupants to buckle up before driving can save 10% or more off the personal injury premium cost.

Discounts reduce rates, but you should keep in mind that most discounts do not apply the the whole policy. Some only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, it’s just not the way it works.

Large auto insurance companies and a summarized list of policyholder discounts are shown below.

  • American Family offers discounts for defensive driver, multi-vehicle, bundled insurance, TimeAway discount, good student, and early bird.
  • Nationwide may have discounts that include business or organization, defensive driving, Farm Bureau membership, multi-policy, good student, and accident-free.
  • MetLife offers premium reductions for defensive driver, accident-free, multi-policy, good driver, claim-free, and good student.
  • 21st Century may offer discounts for theft prevention, automatic seat belts, 55 and older, defensive driver, early bird, and homeowners.
  • Farmers Insurance may include discounts for good student, business and professional, switch companies, youthful driver, pay in full, and multi-car.
  • Allstate policyholders can earn discounts including utility vehicle, senior citizen, good payer, auto/life discount, anti-theft, and multi-policy.

When getting a coverage quote, ask every company to apply every possible discount. Depending on the company, some discounts might not be offered in every state. To view companies who offer discounts, click this link.

Insurance premium influencing factors

Multiple criteria are considered when quoting car insurance. A few of the factors are predictable like your driving record, although others are less apparent such as your credit history or how safe your car is.One of the most helpful ways to save on car insurance is to to have a grasp of the factors that come into play when calculating car insurance rates. If you have some idea of what impacts premium levels, this empowers consumers to make smart changes that could result in lower premium levels.

  • Cautious drivers pay less – Only having one citation could increase your next policy renewal by as much as twenty percent. Attentive drivers get better prices as compared to those with violations. Drivers with flagrant violations such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to keep their license.
  • Allowing your car insurance to lapse raises car insurance rates – Driving any period of time without insurance is against the law and car insurance companies will penalize you for letting your insurance expire. Not only will you pay higher rates, being ticketed for driving with no insurance could earn you fines or a revoked license.
  • Do you work long hours in a stressful vocation? – Occupations such as real estate brokers, architects and accountants tend to have the highest average rates attributed to intense work requirements and long work hours. Conversely, occupations such as scientists, engineers and homemakers receive lower rates for Chevy van insurance.
  • Lower rates for married couples – Having a wife or husband helps lower the price when shopping for car insurance. It generally demonstrates drivers are more mature than a single person and it’s statistically proven that being married results in fewer claims.
  • See if your company offers a multi-policy discount – Most larger car insurance companies afford a discount to insureds that have more than one policy such as combining an auto and homeowners policy. The discount can be 10 percent or more. Even if you already get this discount, you still need to get quotes from other companies to ensure the best deal.
  • Cars with good safety ratings save money – Cars with high safety ratings get lower rates. Vehicles engineered for safety result in less severe injuries and better occupant protection means lower claim amounts and lower rates for you. If your Chevy Chevy Van scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
  • Drive less and get lower rates – Driving more miles each year the higher your rates will be. The majority of insurers apply a rate partially by how you use the vehicle. Autos that do not get driven very much can be on a lower rate level as compared to vehicles used primarily for driving to work. Double check that your car insurance policy is rated on the right rating data. Improper usage on your Chevy Van can cost quite a bit.

Situations that may require an agent’s advice

When buying the best auto insurance coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions can aid in determining if your insurance needs will benefit from professional help.

  • How do I file an SR-22 for a DUI in my state?
  • What is the minimum liability in my state?
  • Am I covered if I wreck a rental car?
  • Should I put collision coverage on all my vehicles?
  • Should I waive the damage coverage when renting a car?
  • Does my 1996 Chevy Chevy Van qualify for pleasure use?
  • Am I covered when driving someone else’s vehicle?
  • Is my nanny covered when driving my vehicle?
  • Is my 1996 Chevy Chevy Van covered for smoke damage?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance policy specifics

Understanding the coverages of insurance can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills for doctor visits, prosthetic devices and hospital visits. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for liability

This will cover damages or injuries you inflict on other people or property that is your fault. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as pain and suffering, emergency aid, repair costs for stationary objects, loss of income and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive auto coverage

This pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from flooding, fire damage, theft and damage from getting keyed. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Chevy Chevy Van.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually these coverages are similar to your liability insurance amounts.

Coverage for collisions

This coverage pays for damage to your Chevy Van from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like scraping a guard rail, driving through your garage door, backing into a parked car, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Buy online or local, you save

Cost effective 1996 Chevy Chevy Van insurance can be bought both online and also from your neighborhood agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance companies may not offer online quoting and these small insurance companies only sell through local independent agencies.

When shopping online for insurance, never buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped full coverage and found out when filing a claim that they should have had better coverage. Your focus should be to buy a smart amount of coverage at the lowest possible cost but still have enough coverage for asset protection.

We just covered a lot of tips how to save on 1996 Chevy Chevy Van insurance. The key concept to understand is the more companies you get car insurance rates for, the better your comparison will be. You may even discover the lowest rates are with a small local company.

More tips and info about insurance can be read by following these links: