1990 Chevrolet R/V 3500 Series Insurance Cost – 9 Tips to Save

Trying to find cheaper insurance coverage rates for your Chevrolet R/V 3500 Series? Searching for cheaper insurance for a Chevy R/V 3500 Series could be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to buy insurance coverage so we’re going to tell you the proper way to quote coverages for a Chevy and get the lowest possible price.

The quickest method we recommend to get policy rate comparisons is to understand most insurance companies will pay a fee to give rate comparisons. To start a quote, the only thing you need to do is provide information including the type of vehicles you drive, whether you drive to work or school, whether you are married, and your credit rating estimate. The data is instantly provided to insurance companies and they return rate quotes instantly.

Ads can be misleading

Consumers can’t ignore all the ads for car insurance savings by companies like Geico, State Farm and Progressive. They all seem to make the same claim of big savings if you change to them.

But how can every company make almost identical claims?

Insurance companies have a certain “appetite” for the right customer that is profitable for them. A good example of a desirable insured could possibly be between the ages of 30 and 50, is a homeowner, and has great credit. A driver who matches those parameters receives the best rates and most likely will save quite a bit of money when switching.

Potential insureds who fall outside the requirements will be charged more money which usually ends up with business not being written. The ads say “customers who switch” not “everyone that quotes” save that kind of money. That’s why companies can advertise the savings.

That is why it is so important to get a wide range of price quotes. It’s just too difficult to predict the company that will have the lowest Chevy R/V 3500 Series insurance rates.

Save money by taking advantage of these nine discounts

Insuring your vehicles can cost a lot, but you may find discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time you complete a quote, but lesser-known reductions have to be requested specifically prior to receiving the credit. If you’re not getting every credit available, you are paying more than you should be.

  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
  • No Claims – Claim-free drivers pay much less when compared with bad drivers.
  • One Accident Forgiven – Certain companies will allow you to have one accident before your rates go up if you are claim-free for a certain period of time.
  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Clubs and Organizations – Participating in a civic or occupational organization could trigger savings on insurance coverage for R/V Series coverage.
  • Multiple Vehicles – Buying insurance for multiple vehicles with the same company can get a discount on all vehicles.
  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for R/V Series coverage than drivers with accident claims.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy before your current policy expires. The savings is around 10%.

Consumers should know that most discounts do not apply to your bottom line cost. Most only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like you could get a free insurance coverage policy, you’re out of luck. Any qualifying discounts will reduce the amount you have to pay.

Companies that may offer these money-saving discounts include:

Before buying, ask each company what discounts are available to you. All car insurance discounts may not apply in your state.

When should I use an insurance agent?

When choosing proper insurance coverage, there really is no “perfect” insurance plan. Every situation is different.

For instance, these questions might help in determining if your situation may require specific advice.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Are all vehicle passengers covered by medical payments coverage?
  • Can I drive in Mexico and have coverage?
  • Do I really need UM/UIM coverage?
  • Is rental equipment covered for theft or damage?
  • Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and may give you better protection.

The coverage is in the details

Learning about specific coverages of your car insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Auto liability insurance

Liability coverage will cover damages or injuries you inflict on other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as attorney fees, structural damage, pain and suffering, legal defense fees and emergency aid. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Comprehensive protection

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, hitting a bird, hail damage, damage from flooding and hitting a deer. The most your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

This pays for damage to your R/V 3500 Series resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a parking meter, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses like EMT expenses, nursing services, prosthetic devices and pain medications. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Don’t be a big spender

Budget-conscious 1990 Chevy R/V 3500 Series insurance can be purchased online and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Consumers switch companies for any number of reasons including extreme rates for teen drivers, being labeled a high risk driver, high rates after DUI convictions or lack of trust in their agent. Regardless of your reason, finding a new company is not as difficult as it may seem.

When you buy insurance online, never reduce coverage to reduce premium. In many cases, someone sacrificed full coverage only to regret that they should have had better coverage. The ultimate goal is to buy the best coverage you can find for the lowest price while still protecting your assets.

More tips and info about auto insurance can be found at these sites: