Cheaper 1991 Chevrolet Chevy Van Insurance Rates

Trying to find cheaper auto insurance rates for your Chevrolet Chevy Van? Nobody likes paying for auto insurance, especially when the price is too high. Multiple auto insurance companies compete to insure your vehicles, so it can be very hard to choose a insurer and get the definite lowest rate

If you have a current car insurance policy or are shopping for new coverage, you can use this information to cut your premiums while maintaining coverages. Finding affordable coverage is quite easy. Consumers only need an understanding of how to compare rates online.

Are you getting all your discounts?

Companies that sell car insurance don’t always list every discount in an easy-to-find place, so we researched some of the more common and the harder-to-find car insurance savings. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Low Mileage Discounts – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • More Vehicles More Savings – Having multiple cars or trucks with the same company qualifies for this discount.
  • Multiple Policy Discount – If you have multiple policies with one insurance company you may earn at least 10% off all policies.
  • Clubs and Organizations – Participating in a professional or civic organization may earn a discount on your policy for Chevy van coverage.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Some only reduce specific coverage prices like liability and collision coverage. So even though it sounds like you could get a free car insurance policy, you’re out of luck.

Insurance companies that may have these benefits include:

Before buying, ask all companies you are considering which discounts they offer. All car insurance discounts might not apply in your area.

Why you might be paying too much to insure your Chevy Chevy Van

Consumers need to have an understanding of the rating factors that come into play when calculating the rates you pay for car insurance. Understanding what controls the rates you pay allows you to make educated decisions that could result in much lower annual insurance costs.

  • Marriage pays dividends – Having a wife or husband can get you a discount when buying car insurance. Having a spouse translates into being more mature than a single person and statistics show married drivers get in fewer accidents.
  • Never go without insurance – Having an insurance coverage lapse is a guaranteed way to pay more for car insurance. Not only will rates go up, but not being able to provide proof of insurance can result in a license revocation or jail time.You may have to file a SR-22 with your state motor vehicle department.
  • Better crash test results mean better rates – Safer cars tend to have better insurance rates. The safest vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims and thus lower rates. If the Chevy Chevy Van earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Older drivers save more – Young drivers are statistically proven to be careless and easily distracted when driving so car insurance rates are higher. If you’ve ever had to add a teenage driver to your policy can be very expensive. More mature drivers are more cautious drivers, statistically cause fewer accidents and receive fewer citations.

Tailor your coverage to you

When buying the best insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.

  • Can I get a multi-policy discount?
  • Why am I required to get a high-risk car insurance policy?
  • Can my babysitter drive my car?
  • Does coverage extend to a rental car in a foreign country?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does car insurance cover theft of personal property?
  • Is my teen driver covered when they drive my company car?
  • Can I drive in Mexico and have coverage?

If it’s difficult to answer those questions then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Can switching companies really save?

Consumers get pounded daily by advertisements that promise big savings by State Farm, Allstate and Geico. They all say the same thing that you’ll save big after switching to their company.

How do they all make the same claim? This is how they do it.

Insurance companies are able to cherry pick for the driver that earns them a profit. For instance, a profitable customer could possibly be between 25 and 40, has no tickets, and has great credit. A propective insured who meets those qualifications receives the best rates and as a result will probably save when switching.

Drivers who don’t qualify for the “perfect” profile must pay higher prices which leads to the customer not buying. The ad wording is “customers who switch” but not “drivers who get quotes” save money. That’s the way companies can advertise the savings. This illustrates why you need to compare as many rates as you can. It’s just too difficult to predict which company will have the lowest Chevy Chevy Van insurance rates.

Car insurance 101

Having a good grasp of your insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types offered by insurance companies.

Coverage for liability – This protects you from injuries or damage you cause to people or other property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as loss of income, funeral expenses and pain and suffering. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Uninsured and underinsured coverage – This gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Chevy Van.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for immediate expenses such as doctor visits, chiropractic care, rehabilitation expenses, X-ray expenses and dental work. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hitting a deer, theft, falling objects and damage from flooding. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision – This pays to fix your vehicle from damage resulting 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 such as colliding with a tree, crashing into a building, scraping a guard rail, sustaining damage from a pot hole and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Be a smart shopper

You just learned some good ideas how you can reduce 1991 Chevy Chevy Van insurance prices online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even find the most savings is with a lesser-known regional company. Regional companies often have lower prices on specific markets compared to the large companies like Allstate and Progressive.

Affordable insurance is definitely available from both online companies as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who don’t offer online quoting and these small insurance companies work with independent agents.

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