1993 Chevrolet Sportvan Insurance Quotes

Want the cheapest insurance coverage rates for your Chevrolet Sportvan? Tired of trying to scrape together enough money each month for car insurance? Your situation is no different than millions of other consumers.

With so many insurance coverage companies to choose from, it can be impossible to locate the cheapest provider.

Finding the best rates is not that difficult. In a nutshell, every vehicle owner who has to buy insurance should be able to reduce their rates. Although vehicle owners need to learn how big insurance companies price online insurance and apply this information to your search.

Elements that influence Chevy Sportvan insurance rates

It’s important that you understand the factors that help determine the rates you pay for car insurance. When you know what positively or negatively determines base rates enables informed choices that may reward you with lower car insurance prices.

  • Occupation reflects on rates – Did you know your car insurance rates can be affected by your occupation? Careers like real estate brokers, executives and stock brokers tend to pay the highest rates because of high stress and lengthy work days. On the other hand, professions such as farmers, students and performers have the lowest average rates on Sportvan coverage.
  • Liability coverage is cheap – The liability section of your policy is the coverage that protects you if you are found to be at fault for personal injury or accident damage. Liability insurance provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
  • Do you need the policy add-ons? – There are quite a few extra bells and whistles you can purchase on your car insurance policy. Coverages like rental car reimbursement, better glass coverage and membership fees are some examples. These coverages may sound good initially, but your needs may have changed so get rid of them and save.
  • Do you know you’re credit rating? – Credit history is a large factor in determining what you pay for car insurance. If your credit score is not that good, you could pay less to insure your 1993 Chevrolet Sportvan by improving your rating. People with excellent credit tend to be more responsible than drivers with lower credit scores.
  • Special features that cut premiums – Choosing a vehicle with an alarm system can save you a little every year. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your vehicle from being stolen.

Discounts are available to cut your rates

Companies don’t always advertise every discount in a way that’s easy to find, so we break down some of the best known as well as the least known discounts you could be receiving.

  • Discount for New Cars – Adding a new car to your policy is cheaper compared to insuring an older model.
  • Federal Employees – Simply working for the federal government may qualify you for a discount on Sportvan coverage with select insurance companies.
  • Homeowners Pay Less – Owning a home can help you save on auto insurance because owning a home is proof that your finances are in order.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Bundle and Save – When you have multiple policies with the same insurance company you could get a discount of up to 20% off your total premium.
  • Low Mileage – Fewer annual miles on your Chevy can earn discounted rates on garaged vehicles.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. A few only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like you can get free auto insurance, companies wouldn’t make money that way.

Insurance companies who might offer these money-saving discounts include:

Check with each company which discounts you may be entitled to. Savings may not apply everywhere.

The insurance bait and switch

Companies like Allstate, Geico and Progressive consistently run ads on television and other media. All the ads make the same claim about savings if you change your policy. How can each company make the same claim? This is how they do it.

All the different companies have a certain “appetite” for the type of driver that is profitable for them. For instance, a profitable customer could possibly be between 30 and 50, owns a home, and drives less than 10,000 miles a year. A customer who meets those qualifications will get the preferred rates and is almost guaranteed to save a lot of money.

Potential insureds who fall outside this ideal profile will have to pay higher rates and this can result in the customer not buying. Company advertisements say “customers that switch” but not “drivers who get quotes” save that much. That’s why insurance companies can confidently state the savings. Because of the profiling, drivers should get quotes from several different companies. It is impossible to predict which insurance companies will give you the biggest savings on Chevy Sportvan insurance.

Everyone needs different coverages

When it comes to choosing coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that may help highlight if you might need professional guidance.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered when driving a rental car?
  • Why am I required to buy high-risk coverage?
  • Is business property covered if stolen from my car?
  • Where can I find DUI or SR-22 insurance?
  • Can I afford to buy a different vehicle if my 1993 Chevy Sportvan is totaled?
  • Who is covered by my policy?
  • I have a DUI can I still get coverage?
  • What is no-fault insurance?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Coverage specifics

Knowing the specifics of car insurance aids in choosing the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages available from car insurance companies.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, a broken windshield, hail damage and damage from flooding. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

Collision insurance covers damage to your Sportvan resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like scraping a guard rail, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Auto liability insurance

Liability coverage provides protection from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as structural damage, repair bills for other people’s vehicles, court costs and loss of income. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like hospital visits, X-ray expenses, chiropractic care, rehabilitation expenses and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Quote often and quote early

We just showed you a lot of ways to reduce 1993 Chevy Sportvan insurance prices online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even discover the lowest priced insurance comes from the smaller companies. Some small companies may have significantly lower rates on certain market segments compared to the large companies like State Farm and Allstate.

Cost effective insurance is attainable online and with local insurance agents, so compare prices from both to have the best selection. Some companies do not offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

Additional information is available at the links below