1994 Chevrolet Chevy Van Insurance Quotes – 6 Ways to Save

Are you overwhelmed by the dozens of car insurance companies? You’re not alone. People have so many options available that it can be more work than you anticipated to find better rates.

Insurance Coverage Prices Online

All the larger insurance coverage companies like Progressive, Geico, Allstate and State Farm give coverage prices online. Getting online quotes is quite simple as you just enter the amount of coverage you want as detailed in the form. After the form is submitted, the system automatically retrieves reports for credit and driving violations and generates a price based on these factors.

Online price quotes simplifies rate comparisons, but having to visit a lot of sites and enter the same data into a form is monotonous and tiresome. But it is imperative to have as many quotes as possible in order to find a better rate.

There is a better way!

The smarter way to compare rates is to use a quote form that obtains quotes from more than one company. It’s a real time-saver, requires less work, and makes quoting online much more efficient. As soon as you send your information, it gets priced and you are able to buy any or none of the resulting price quotes.

If you find a better price you can simply submit the application and purchase coverage. The whole process takes 15 minutes at the most and you will find out if you’re overpaying now.

To save time and compare rates using this form now, click here and submit the form. If you have a policy now, it’s recommended you copy the limits and deductibles exactly as they are listed on your policy. This makes sure you will have comparison quotes using the exact same coverages.

Switch companies and save? Really?

Insurance companies such as Progressive, Geico, Allstate and State Farm continually stream television and radio advertisements. They all seem to have a common claim of big savings after switching to them. But how can every company make the same claim?

All the different companies are able to cherry pick for the right customer they prefer to insure. For example, a desirable insured could be between 25 and 40, a clean driving record, and has a short commute. Any driver who fits that profile is entitled to the best price and therefore will save quite a bit of money when switching.

Potential insureds who don’t measure up to this ideal profile will be charged a more expensive rate and ends up with the customer not buying. Company advertisements say “drivers who switch” not “everyone that quotes” save that much. That’s why companies can truthfully advertise the savings.

That is why you need to compare many company’s rates. It’s just too difficult to predict which insurance companies will provide you with the cheapest Chevy Chevy Van insurance rates.

Lower rates by qualifying for these six discounts

Car insurance is not cheap, but there could be available discounts that you may not even be aware of. Most are applied when you complete an application, but less common discounts must be asked for before they will apply.

  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts could save 15% off your medical payments premium.
  • Accident Free – Drivers with accident-free driving histories can save substantially as compared to drivers who are more careless.
  • Driver Safety – Completing a course in driver safety can save you 5% or more if you qualify.
  • Federal Employees – Employees or retirees of the government can save as much as 8% for Chevy van insurance depending on your company.
  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.

A little note about advertised discounts, many deductions do not apply the the whole policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, companies don’t profit that way. But all discounts will help reduce the cost of coverage.

Insurance companies that may have these benefits include:

Before buying, ask every prospective company which discounts you may be entitled to. Savings might not apply everywhere.

Car insurance is unique, just like you

When choosing coverage for your vehicles, there really is no single plan that fits everyone. Each situation is unique.

These are some specific questions can aid in determining whether your personal situation could use an agent’s help.

  • Do I need medical payments coverage since I have good health insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Why am I required to buy liability insurance?
  • Am I covered when driving a rental car?
  • Can I make deliveries for my home business?
  • Am I covered if I crash into my own garage door?
  • Are my friends covered when driving my car?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverage basics

Having a good grasp of a auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for immediate expenses like prosthetic devices, EMT expenses, pain medications, rehabilitation expenses and nursing services. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Chevy Chevy Van.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Auto liability insurance – Liability coverage protects you from damage or injury you incur to other people or property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like medical expenses, court costs, emergency aid and bail bonds. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Collision coverage – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with another moving vehicle, hitting a parking meter, scraping a guard rail, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, damage from flooding, a tree branch falling on your vehicle, fire damage and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

A fool and his money are soon parted

Lower-priced 1994 Chevy Chevy Van insurance can be purchased both online and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. Some car insurance companies may not provide the ability to get a quote online and these small insurance companies work with independent agents.

Consumers leave their current company for a variety of reasons including not issuing a premium refund, an unsatisfactory settlement offer, lack of trust in their agent or questionable increases in premium. Regardless of your reason for switching companies, finding the right car insurance provider is easier than you think.

When shopping online for car insurance, do not sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits only to regret at claim time that it was a big mistake. Your goal should be to find the BEST coverage at the best price while not skimping on critical coverages.

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