Compare 1996 Chevrolet Sportvan Insurance Quotes

I can’t think of anyone who likes paying for auto insurance, particularly when the cost is way too high. Drivers have so many car insurance companies to purchase coverage from, and although it’s a good thing to have a choice, too many choices makes it more difficult to find the lowest rates.

Buying affordable insurance coverage is not that difficult. If you have insurance now or are shopping for new coverage, you can use these techniques to find better prices and still get good coverage. Consumers just need to learn the proper way to find the lowest price on the web.

How to reduce 1996 Chevy Sportvan insurance rates

The cost of insuring your cars can be expensive, but there are discounts available that many people don’t even know exist. Certain discounts will be applied at the time of quoting, but some may not be applied and must be requested specifically before being credited. If you don’t get every credit possible, you’re paying more than you need to.

  • Homeowners Pay Less – Owning a house can help you save on insurance coverage because of the fact that having a home is proof that your finances are in order.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Payment Discounts – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. The discount lasts until age 25.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for Sportvan insurance than drivers with accident claims.
  • Auto/Home Discount – If you insure your home and vehicles with the same company you will save at least 10% off all policies.
  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.
  • Discount for Swiching Early – Some companies give discounts for switching policies prior to your current policy expiration. The savings is around 10%.

It’s important to understand that most of the big mark downs will not be given the the whole policy. Most cut individual premiums such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will cut the cost of coverage.

A partial list of companies that may offer these discounts are:

It’s a good idea to ask all companies you are considering which discounts they offer. All car insurance discounts might not be offered in your state.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Each situation is unique so this has to be addressed. For example, these questions can aid in determining if your situation would benefit from professional advice.

  • What is an SR-22 filing?
  • Which is better, split liability limits or combined limits?
  • When would I need additional glass coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Can my teen drive my company car?
  • When should my teen driver be added to my policy?
  • Do I need more liability coverage?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Do you really save 40% when you switch?

Consumers can’t ignore all the ads that promise big savings by Allstate and Progressive. All the companies have a common claim of big savings if you move to their company.

But how can every company make the same claim?

All companies can use profiling for the type of customer that earns them a profit. For example, a profitable customer could be between the ages of 40 and 55, has no prior claims, and has a high credit rating. A propective insured that hits that “sweet spot” will get very good rates and most likely will cut their rates substantially.

Potential customers who do not match these standards must pay higher premiums and ends up with the driver buying from a lower-cost company. The ads say “people who switch” but not “drivers who get quotes” save that much. This is how companies can claim big savings.

This illustrates why you absolutely need to get a wide range of price quotes. Because you never know which insurance companies will fit your personal profile best.

Car insurance coverage information

Understanding the coverages of your insurance policy can help you determine the right coverages for your vehicles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by insurance companies.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills for dental work, pain medications, chiropractic care, EMT expenses and rehabilitation expenses. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Auto liability

This protects you from damage that occurs to a person or their property. This insurance protects YOU from legal claims by others. 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. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like emergency aid, medical services, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, damage from flooding and fire damage. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1996 Chevy Sportvan.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Collision coverage protection

Collision insurance pays for damage to your Sportvan resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, sustaining damage from a pot hole, hitting a mailbox, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

More comparisons equals lower rates

You just learned a lot of ways to save on 1996 Chevy Sportvan insurance. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from a small local company. Some small companies can often provide lower rates in certain areas compared to the large companies like Allstate or State Farm.

Affordable insurance is available from both online companies in addition to many insurance agents, and you need to price shop both to have the best rate selection. A few companies do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

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