1996 Chevrolet Chevy Van Car Insurance Quotes

Want lower insurance rates? Drivers have many options when trying to find affordable Chevy Chevy Van insurance. They can either waste time struggling with agents to compare prices or utilize the internet to make rate comparisons. There are more efficient ways to compare insurance rates and you need to know the best way to compare rates for a new or used Chevy and obtain the best price possible from both online companies and local agents.

It is always a good idea to price shop coverage at least once a year due to the fact that insurance rates trend upward over time. Despite the fact that you may have had the lowest price on Chevy van insurance a year ago the chances are good that you can find a lower rate today. So just forget all the misinformation about insurance because it’s time to teach you the right way to properly buy coverages and cut your premium.

Insurance Comparison Rates

There are several ways to compare Chevy Chevy Van insurance prices but there is one way that is more efficient than others. You can spend countless hours talking about coverages with insurance companies in your area, or you could save time and use online quotes to achieve your goal.

Most car insurance companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and at least one company can give them a price based on that data. This saves time by eliminating quotation requests for each company.

To compare 1996 Chevy Chevy Van rates using this form now click to open in new window.

The one disadvantage to comparing rates this way is you can’t choose the companies to receive prices from. So if you want to choose from a list of companies to compare rates, we put together a list of the cheapest insurance companies in your area. Click here to view list.

Whichever way you use, double check that you are using apples-to-apples information for every quote you compare. If you are comparing unequal deductibles or liability limits then you won’t be able to make a fair comparison for your Chevy Chevy Van.

It’s not one size fits all

When it comes to choosing adequate coverage for your personal vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining if your situation will benefit from professional help.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do all my vehicles need collision coverage?
  • Do I have coverage when using my vehicle for my home business?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Does my personal policy cover me when driving out-of-state?
  • Does liability extend to a camper or trailer?
  • How much liability insurance is required?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Information about specific coverages

Understanding the coverages of a car insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Auto collision coverage

Collision insurance will pay to fix damage to your Chevy Van resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with another moving vehicle, damaging your car on a curb, sideswiping another vehicle, hitting a parking meter and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability

Liability insurance protects you from damage or injury you incur to other’s property or people in an accident. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims like medical services, loss of income, medical expenses and attorney fees. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, damage from a tornado or hurricane and hitting a deer. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses such as doctor visits, funeral costs, surgery, chiropractic care and dental work. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Chevy Chevy Van.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.