2002 Chevrolet Venture Insurance Quotes – 10 Tips for Cheapest Rates

Shoppers have a choice when shopping for the best price on Chevy Venture insurance. You can either spend your time contacting agents trying to get quotes or use the internet to make rate comparisons. There are more efficient ways to find insurance online and we’ll show you the quickest way to quote coverages for a new or used Chevy and find the lowest possible price from both online companies and local agents.

Consumers should take time to price shop coverage quite often since prices change regularly. Despite the fact that you may have had the lowest quotes for Venture coverage six months ago you may be paying too much now. Block out anything you think you know about insurance because you’re about to learn one of the quickest ways to find lower rates on insurance.

Compare insurance quotes

Cutting your insurance rates is an easy way to save money. The only thing you need to do is spend a few minutes comparing rates online from several insurance companies. This can easily be done in just a few minutes using one of these methods.

The recommended way consumers can analyze rates is to use a rate comparison form click to view form in new window. This easy form keeps you from doing multiple quote forms for each company. Just one form gets insurance cost estimates from insurance companies with the best prices. Just one form and you’re done.

A less efficient way to obtain and compare quotes online requires a visit to each company website and repeat the quote process again and again. For example, let’s say you want to compare prices for Geico, Safeco and Progressive. You would need to take the time to go to each site and enter your policy data, which is why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

You can use whichever method you prefer to find lower rates, just double check that you are using exactly the same coverages for each quote you get. If you compare different coverage information it will be impossible to determine the lowest rate for your Chevy Venture.

These ten discounts can lower your insurance coverage quotes

Insurance coverage is not inexpensive, but there are discounts available to cut the cost considerably. Certain discounts will be applied at the time of quoting, but some may not be applied and must be specially asked for before you get the savings.

  • Seat Belt Discounts – Requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Theft Prevention Discount – Cars equipped with anti-theft or alarm systems are less likely to be stolen and will qualify for a discount on a auto insurance quote.
  • Sign Early and Save – A few insurance coverage companies give discounts for renewing your policy prior to your current policy expiration. This can save 10% or more.
  • Active Military Service – Having a deployed family member may lower your insurance coverage rates slightly.
  • E-sign – A handful of insurance coverage companies give back up to $50 for buying your policy online.
  • Membership in Organizations – Having an affiliation with qualifying clubs or civic groups is a simple method to lower premiums on your next renewal.
  • Drive Less and Save – Low annual miles could earn discounted prices on garaged vehicles.
  • Anti-lock Brake System – Cars, trucks, and SUVs with ABS and/or traction control can reduce accidents and therefore earn up to a 10% discount.
  • Passive Restraint Discount – Vehicles equipped with air bags can get savings of 20% or more.
  • Discounts for Safe Drivers – Accident-free drivers may receive a discount up to 45% for Venture coverage than less cautious drivers.

A little disclaimer on discounts, most discounts do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it appears it’s possible to get free car insurance, you aren’t that lucky.

Companies that may have some of the above discounts include:

If you need inexpensive auto insurance quotes, ask every insurance company to give you their best rates. Savings may not apply to policies in your area. For a list of insurers who offer insurance coverage discounts, click here to view.

Different people need different insurance coverage coverages

When it comes to choosing adequate coverage, there really is not a cookie cutter policy. Every situation is different.

Here are some questions about coverages that may help you determine whether your personal situation might need an agent’s assistance.

  • Should I waive the damage coverage when renting a car?
  • Does insurance cover damages from a DUI accident?
  • When should I remove comp and collision on my 2002 Chevy Venture?
  • What is UM/UIM insurance?
  • Should I carry comprehensive and collision coverage?
  • Do I really need UM/UIM coverage?
  • When should I buy a commercial auto policy?
  • What is the difference between comprehensive and collision coverage?
  • Is my ex-spouse still covered by my policy?
  • Are my friends covered when driving my car?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Educate yourself about insurance coverages

Having a good grasp of your insurance policy can be of help when determining the best coverages for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Liability auto insurance

This protects you from damage or injury you incur to a person or their property. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as emergency aid, medical expenses, medical services, funeral expenses and attorney fees. How much coverage you buy is a personal decision, but buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as fire damage, rock chips in glass, theft and hitting a deer. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision 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 like driving through your garage door, sideswiping another vehicle, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so consider removing coverage from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Insurance for medical payments

Med pay and PIP coverage kick in for immediate expenses such as hospital visits, rehabilitation expenses, X-ray expenses and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover 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 and gives slightly broader coverage than med pay

Be a penny pincher

When getting auto insurance quotes online, never buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced liability coverage limits to discover at claim time they didn’t have enough coverage. Your aim should be to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.

We covered many ideas to shop for 2002 Chevy Venture insurance online. The key concept to understand is the more providers you compare, the better your comparison will be. You may be surprised to find that the lowest car insurance rates come from an unexpected company.

Insureds who switch companies do it for a number of reasons such as delays in responding to claim requests, high prices, being labeled a high risk driver or even policy cancellation. It doesn’t matter what your reason, choosing a new company is easier than you think.

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