Save on 2001 Chevrolet Venture Car Insurance Quotes

Looking for better insurance coverage rates for your Chevrolet Venture? Expensive Chevrolet Venture insurance can consume your accounts and possibly require you to analyze your spending habits. Comparing price quotes is a smart way to lower your bills every month.

Due to the increasing number of companies to choose from, it can be diffult for drivers to pick the best insurance coverage provider.

The purpose of this article is to instruct you on the best way to quote coverages and some tips to save money. If you currently have a car insurance policy, you will be able to cut costs considerably using these tips. But consumers benefit from understanding the methods companies use to sell insurance online.

Lower your insurance rates

Smart consumers have a good feel for the rating factors that come into play when calculating your premiums. If you have some idea of what impacts premium levels, this enables informed choices that can help you get big savings.

  • Raise your comp and collision deductibles for better rates – Comp and collision deductibles tell how much the insured will be required to pay if a covered claim is submitted. Physical damage coverage, aka comp and collision, protects your car from damage. Some instances where coverage would apply could be rearending another vehicle, vandalism, and damage caused by road hazards. The larger the amount you choose to pay out-of-pocket, the bigger discount you will receive on Venture insurance.
  • Cheaper rates after marriage – Having a wife or husband actually saves money on your car insurance policy. Having a significant other usually means you are less irresponsible it has been statistically shown that married drivers get in fewer accidents.
  • Cheaper premiums using GPS tracking and theft deterrents – Choosing to buy a car with advanced anti-theft systems can get you a discount on your car insurance. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent your car from being stolen.
  • Bundle policies to earn discounts – The majority of insurance companies will give discounts to insureds who consolidate policies with them, otherwise known as a multi-policy discount. The discount can add up to as much as ten percent or more Even with this discount applied, consumers should still compare other company rates to ensure the best deal.

Insurance quotes and discounts

Insurance is neither fun to buy or cheap, but you may qualify for discounts that many consumers don’t even know exist. Some discounts will apply when you quote, but some may not be applied and must be specially asked for before you will receive the discount. If you’re not getting every credit you deserve, you could be paying more than you need to.

  • Multi-line Discount – If the company offers life insurance, you could get a discount if you purchase a life insurance policy as well.
  • Student in College – Children who are enrolled in a college that is more than 100 miles from home without a vehicle on campus could get you a discount.
  • ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems are much safer to drive and will save you 10% or more.
  • Bundled Policy Discount – If you have multiple policies with the same insurance company you will save at least 10% off all policies.
  • Student Discount for Driver Training – Require your teen driver to enroll and complete driver’s education if it’s offered in school.
  • Telematics Discount – Drivers who elect to allow their company to scrutinize when and where they use their vehicle remotely like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if their driving habits are good.
  • Theft Deterent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems help deter theft so companies will give you a small discount.
  • Seat Belt Discounts – Requiring all passengers to use their safety belts may be able to save a few bucks off the PIP or medical payment premium.
  • Discount for Good Grades – Being a good student could provide a savings of up to 20% or more. Earning this discount can benefit you up until you turn 25.

Just know that most discounts do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Popular insurance companies and a selection of discounts are shown below.

  • State Farm discounts include defensive driving training, anti-theft, good driver, passive restraint, Drive Safe & Save, driver’s education, and accident-free.
  • Geico may offer discounts for air bags, anti-theft, military active duty, emergency military deployment, federal employee, and seat belt use.
  • SAFECO may have discounts that include bundle discounts, multi-car, drive less, anti-theft, and teen safety rewards.
  • Farmers Insurance offers discounts including good student, distant student, switch companies, teen driver, youthful driver, business and professional, and alternative fuel.
  • AAA has savings for good driver, AAA membership discount, education and occupation, good student, anti-theft, and multi-policy.
  • USAA policyholders can earn discounts including safe driver, driver training, vehicle storage, multi-vehicle, family discount, and annual mileage.

If you are trying to find inexpensive car insurance quotes, ask all companies you are considering which discounts can lower your rates. Some of the discounts discussed earlier may not be offered in your area. If you would like to view companies offering insurance discounts, click here.

Situations that may require an agent’s advice

When it comes to choosing the best car insurance coverage, there isn’t really a perfect coverage plan. Every situation is different and your policy should reflect that. For instance, these questions might help in determining if you will benefit from professional help.

  • Am I covered if I wreck a rental car?
  • How high should deductibles be on a 2001 Chevy Venture?
  • Is my nanny covered when driving my vehicle?
  • How can I find cheaper teen driver insurance?
  • Where can I find high-risk insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • What is UM/UIM insurance?
  • Is my camper covered by my car insurance policy?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I need PIP (personal injury protection) coverage in my state?

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 insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Insurance coverage options for a Chevy Venture

Having a good grasp of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. These are typical coverages available from insurance companies.

Liability

Liability coverage can cover damages or injuries you inflict on other people or property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims like medical expenses, repair costs for stationary objects, structural damage, emergency aid and court costs. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your 2001 Chevy Venture.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

Comprehensive auto coverage

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like rock chips in glass, a broken windshield, damage from a tornado or hurricane, hitting a bird and hail damage. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for bills like nursing services, prosthetic devices and hospital visits. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

More quotes. Lower rates.

You just learned a lot of techniques to reduce 2001 Chevy Venture insurance prices online. The key thing to remember is the more you quote car insurance, the more likely it is that you will get a better rate. Consumers may even find the lowest prices are with a lesser-known regional company. These smaller insurers can often provide lower rates in certain areas as compared to the big name companies such as Progressive and Geico.

Lower-priced insurance coverage can be sourced on the web and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers may not provide online rate quotes and most of the time these smaller companies only sell through independent agencies.

More detailed insurance coverage information can be found at these sites: