2003 Chevrolet Venture Car Insurance Rates – 8 Tips to Save

Paying cheap rates for auto insurance could be challenging for drivers new to online price comparisons. People have so many choices that it can turn into a difficult challenge to locate the lowest rates.

You need to compare rates on a regular basis because prices change regularly. Even if you got the best deal for Venture coverage six months ago the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because you’re about to learn how to quote online to properly buy coverages while reducing your premium.

Cheaper insurance rates with discounts

Insurance is not cheap nor is it fun to buy but there are discounts available that you may not even know about. Many of these discounts will be applied automatically when you get a quote, but some must be specifically requested prior to getting the savings.

  • Senior Discount – Mature drivers can possibly qualify for a small discount on rates for Venture coverage.
  • Discount for Multiple Policies – If you can bundle your homeowners and auto insurance and place coverage with the same company you could earn a discount of approximately 10% to 15%.
  • Early Switch Discount – A few larger companies give discounts for buying a policy before your current coverage expires. It’s a savings of about 10%.
  • Safety Course Discount – Completing a course in driver safety may get you a small discount and make you a better driver.
  • Paperwork-free – Many larger companies will give you a small discount for completing your application on your computer.
  • Discounts for Multiple Vehicles – Drivers who insure more than one vehicle on one policy can get a discount on all vehicles.
  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. Many companies even apply the discount to college students up until you turn 25.
  • Resident Student – College-age children who attend college more than 100 miles from home and do not take a car to college can receive lower rates.

It’s important to note that most of the big mark downs will not be given to the entire cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like adding up those discounts means a free policy, nobody gets a free ride. Any qualifying discounts will cut the cost of your policy.

If you would like to view insurers with discount rates, click here to view.

Ways to get insurance coverage price quotes

All major insurance coverage companies provide prices for coverage directly from their websites. Comparing prices online is easy for anyone as all you need to do is type in your coverage preferences as detailed in the form. After you complete the form, their rating system collects information on your driving record and credit history and quotes a price based on the data you entered.

This makes it easy to compare insurance prices but the process of having to visit each company’s website and repetitively fill out multiple forms gets old quite quickly. But it’s also necessary to do this in order to get a better rate.

Online rates the easy way

A better way to get multiple rate quotes uses one form to get prices from a lot of companies. The form is fast, eliminates repetitive work, and makes quoting online much more enjoyable and efficient. As soon as you send your information, it is quoted and you can select any one of the quotes that you receive. If a lower price is quoted, you simply finish the application and buy the new coverage. This process takes just a few minutes to complete and can result in significant savings.

To compare pricing, click here to open in new window and enter your information. To compare your current rates, we recommend that you enter the limits and deductibles just like they are on your policy. Using the same limits helps guarantee you’re receiving rate quotes based on the exact same insurance coverage.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage, there really is no “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions could help you determine whether your personal situation might need an agent’s assistance.

  • When should I buy a commercial auto policy?
  • I have a DUI can I still get coverage?
  • Are my friends covered when driving my car?
  • I have good health insurance, so how much medical payments coverage do I need?
  • When would I need rental car insurance?
  • Do I have coverage when pulling a U-Haul trailer?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form.

Do you really save 40% when you switch?

Auto insurance companies such as 21st Century, Allstate and State Farm consistently run ads in print and on television. They all seem to have a common claim about how much you will save just by switching your coverage. How do they all make almost identical claims? This is the way they can do it.

Different companies have specific guidelines for the type of insured that will not have excessive claims. One example of a desirable risk might be between the ages of 40 and 55, carries high limits, and drives a safe vehicle. Any driver that hits that “sweet spot” will probably get cheap prices and will most likely save quite a bit of money when switching.

Potential insureds who may not quite match these standards must pay a higher premium and business going elsewhere. The trick is to say “customers that switch” not “everyone that quotes” save that much. That’s the way insurance companies can confidently make it sound like they have such great prices. Because of these techniques, you really need to do a quote comparison often. It’s impossible to know which auto insurance company will be your best fit.

Coverages available on your policy

Learning about specific coverages of a car insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Coverage for collisions

Collision insurance covers damage to your Venture resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a parking meter, backing into a parked car, colliding with a tree, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverage

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, theft, falling objects and damage from flooding. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for funeral costs, nursing services, prosthetic devices, rehabilitation expenses and dental work. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverage

This can cover damages or injuries you inflict on a person or their property that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for things like court costs, loss of income, repair bills for other people’s vehicles and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Chevy Venture.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Have money to burn

Drivers leave their current company for any number of reasons including denial of a claim, not issuing a premium refund, poor customer service and unfair underwriting practices. Regardless of your reason for switching companies, choosing a new insurance company can be easy and end up saving you some money.

When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced comprehensive coverage or liability limits only to discover later that it was a big error on their part. Your aim should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

We’ve covered some good ideas how you can get a better price on 2003 Chevy Venture insurance. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the most savings is with some of the lesser-known companies.

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