Cheap 1996 Chevrolet Chevy Van Classic Insurance Rates

Searching for cheaper car insurance rates for your Chevrolet Chevy Van Classic? No one looks forward to paying for car insurance, particularly when the cost is way too high.

Multiple auto insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurers to find the absolute lowest cost out there.

It’s a great practice to do rate comparisons on a regular basis since rates change frequently. Just because you had the best price for Chevy van Classic insurance six months ago there may be better deals available now. So just forget all the misinformation about car insurance because you’re about to learn one of the easiest ways to find lower rates on car insurance.

If you currently have a car insurance policy, you will be able to save some money using this information. Finding the best rates is easy if you know what you’re doing. But vehicle owners should learn how companies price insurance differently and take advantage of how the system works.

Are you getting all your discounts?

The price of auto insurance can be rather high, but companies offer discounts to help bring down the price. Most are applied when you complete an application, but some must be specially asked for before you get the savings.

  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • New Car Discount – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% for Chevy van Classic insurance with a few auto insurance companies.
  • Multiple Cars – Buying insurance for all your vehicles on the same auto insurance policy qualifies for this discount.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Early Signing – Some companies give discounts for signing up before your current expiration date. This can save 10% or more.

It’s important to note that some of the credits will not apply to all coverage premiums. Some only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, companies wouldn’t make money that way. Any amount of discount will cut the cost of coverage.

For a list of providers offering auto insurance discounts, click here.

Tailor your coverage to you

When choosing coverage, there really is not a one size fits all plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that could help you determine if your insurance needs would benefit from professional advice.

  • Am I insured when driving a different vehicle?
  • Should I rate my 1996 Chevy Chevy Van Classic as pleasure use or commute?
  • Is my camper covered by my car insurance policy?
  • Do I need roadside assistance coverage?
  • Do I pay less for low miles?
  • What are the financial responsibility laws in my state?
  • How do I insure my teen driver?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Drivers who switch save $414 a year? Really?

Companies like State Farm, Geico and Progressive continually stream ads in print and on television. All the ads make an identical promise about savings after switching your policy. How does each company make almost identical claims?

All the different companies are able to cherry pick for the type of customer that makes them money. An example of a profitable customer might be between the ages of 30 and 50, has no prior claims, and drives newer vehicles. Any new insured who meets those qualifications will get the preferred rates and is almost guaranteed to save when they switch companies.

Drivers who do not match these standards must pay higher rates which leads to business not being written. Company advertisements say “drivers who switch” not “everybody who quotes” save that much money. That’s the way insurance companies can confidently claim big savings.

This illustrates why you absolutely need to get as many quotes as possible. Because you never know which car insurance company will provide you with the cheapest Chevy Chevy Van Classic insurance rates.

What insurance coverages do you need?

Knowing the specifics of insurance helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Listed below are typical coverages found on most insurance policies.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses such as prosthetic devices, surgery, rehabilitation expenses and pain medications. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like damaging your car on a curb, sideswiping another vehicle, colliding with another moving vehicle, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Chevy Chevy Van Classic.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Auto liability insurance

Liability coverage protects you from injuries or damage you cause to people or other property. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as court costs, structural damage and medical services. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as falling objects, a broken windshield and hitting a bird. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Save your cold hard cash

We’ve covered a lot of information how to compare 1996 Chevy Chevy Van Classic insurance prices online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the lowest priced insurance coverage comes from the smaller companies. Regional companies often have lower prices on specific markets than the large multi-state companies such as State Farm and Allstate.

When buying insurance coverage, never buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced physical damage coverage to discover at claim time that it was a big error on their part. The proper strategy is to get the best coverage possible at a price you can afford, not the least amount of coverage.

More detailed insurance coverage information can be read by following these links: