Want the cheapest car insurance rates for your Chevrolet Venture? Have you had enough of not being able to afford to insure your Chevy every month? You are no different than millions of other vehicle owners.
Big companies like Allstate and Progressive all claim big savings, bombarding you with advertising and it is challenging if not impossible to ignore the flying pigs and cute green geckos and find the best price available.
Auto insurance companies don’t always advertise all available discounts very clearly, so we took the time to find both the well known and the harder-to-find discounts that you can inquire about if you buy car insurance online.
You can save money using discounts, but most of the big mark downs will not be given to the entire cost. Most only reduce individual premiums such as medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, nobody gets a free ride.
To see providers that offer some of these discounts, click here.
There are several ways to compare car insurance quotes, but some are less labor-intensive and much quicker. You could waste time discussing policy coverages with local insurance agents in your area, or you can utilize the internet to get pricing more quickly.
All the larger companies are enrolled in a marketplace where insurance shoppers complete one form, and at least one company can give them a price. This eliminates the need for quote forms for every car insurance company.
To find out how much you can save on car insurance click here to start a free quote.
The single downside to pricing coverage this way is you can’t choose which companies to receive prices from. So if you prefer to choose specific insurance companies to compare prices, we have a listing of the cheapest car insurance companies in your area. View list of insurance companies.
It’s your choice how you get your quotes, but be certain you are entering apples-to-apples coverage information for every quote you compare. If your comparisons have different limits and deductibles on each one you will not be able to truly determine the lowest rate. Having just a slight variation in coverage limits can mean a large discrepancy in price. Just remember that comparing all the rates in your area will increase your chances of finding the best rates. Some companies don’t provide rate quotes online, so it’s important to compare price estimates on coverage from those companies, too.
When it comes to buying the best insurance coverage coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. For example, these questions can help discover whether your personal situation could use an agent’s help.
If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.
Learning about specific coverages of insurance can be of help when determining the best coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages offered by insurance companies.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for short-term medical expenses such as X-ray expenses, dental work and nursing services. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
Collision – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for things like hitting a mailbox, scraping a guard rail and rolling your car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.
Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.
Auto liability insurance – Liability coverage can cover damage that occurs to other’s property or people that is your fault. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage pays for claims such as court costs, bail bonds and attorney fees. How much coverage you buy is up to you, but consider buying as large an amount as possible.
Comprehensive insurance – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against claims such as a broken windshield, damage from getting keyed, theft and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Lower-priced insurance can be bought online and from local agencies, and you should be comparing both so you have a total pricing picture. There are still a few companies who do not offer rates over the internet and these small insurance companies sell through local independent agencies.
We just presented a lot of information how to save on 1997 Chevy Venture insurance. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers may even find the biggest savings come from a small mutual company. Some small companies may often insure only within specific states and give getter rates compared to the large companies like Allstate, Geico and Progressive.