1996 Chevrolet Sportvan Insurance Quotes – 5 Tips for Cheaper Rates

Nobody is fond of buying insurance, especially when they are aware that their premiums are through the roof. Because you have many insurance companies to choose from, it is very difficult to choose a lower cost insurance company.

The purpose of this article is to introduce you to how car insurance quotes work and some tips to save money. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this information. Consumers just need to learn the proper methods to compare prices over the internet.

Get affordable rates with these five discounts

Car insurance companies don’t necessarily list the complete list of policy discounts very well, so the list below gives a summary of a few of the more well known and the harder-to-find credits that may apply to you.

  • Accident Forgiveness Coverage – Not really a discount, but certain companies allow you one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • New Vehicle Savings – Putting insurance coverage coverage on a new car may earn a small discount because new model year vehicles are generally safer.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may get savings of up to 25% or more.
  • Low Mileage Discounts – Fewer annual miles on your Chevy may allow you to get discounted rates on garaged vehicles.
  • ABS Braking Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.

A quick disclaimer, most discount credits are not given to the overall cost of the policy. Most only cut the cost of specific coverages such as medical payments or collision. Despite the appearance that all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

For a list of insurance companies that provide some of the discounts listed above, click here.

How to buy insurance

Finding low cost insurance quotes is not a difficult process. You just need to invest a little time getting comparison quotes to find out which insurance company has affordable insurance quotes. Price comparisons can be done using a couple different methods.

  • One of the best ways to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This style of form eliminates the need for separate quotes for each price estimate. A single, simple form gets rate comparisons from several companies.
  • A less efficient way to compare rate quotes is to manually visit each company website and repeat the quote process again and again. For instance, we’ll assume you want to compare rates from Nationwide, 21st Century and State Farm. You would be required to go to each individual site and punch in your information repeatedly, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.
  • Even if you have time, the least recommended way of getting rate comparisons is physically going to and from local insurance agencies. Shopping for insurance online makes this unnecessary unless you’re the type of person who wants the peace of mind only provided by licensed agents. You can, however, compare the best prices online but buy the policy through an agent.

However you get your quotes, make sure you are using identical coverages and limits for every quote you compare. If you enter different limits and deductibles on each one then you won’t be able to determine the lowest rate for your Chevy Sportvan.

What is the best insurance coverage?

When it comes to choosing adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions might help in determining whether you might need an agent’s assistance.

  • Does my 1996 Chevy Sportvan need full coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I waive the damage coverage when renting a car?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I covered when delivering products for my home-based business?
  • Do I really need UM/UIM coverage?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Car insurance coverages and their meanings

Having a good grasp of car insurance can help you determine appropriate coverage for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most car insurance policies.

Collision coverage

Collision insurance covers damage to your Sportvan resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with a tree, rolling your car, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for bills such as EMT expenses, surgery and hospital visits. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, hitting a bird, vandalism and rock chips in glass. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability

This coverage protects you from injuries or damage you cause to other people or property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims like legal defense fees, attorney fees and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Smart shoppers get results

Throughout this article, we presented a lot of techniques to compare 1996 Chevy Sportvan insurance prices online. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. Drivers may discover the best price on car insurance is with some of the lesser-known companies. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like Allstate, Geico and Progressive.

Low-cost 1996 Chevy Sportvan insurance is attainable online and from local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not provide internet price quotes and these regional insurance providers only sell coverage through independent agents.

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