1997 Chevrolet Chevy Van Insurance Quotes

Searching for better insurance prices for a Chevy Chevy Van can be an all-consuming task, but you can learn our auto insurance buying tips and make it easy.

There are both good and bad ways to compare auto insurance rates so we’re going to tell you the quickest way to get price quotes for your Chevy and get the cheapest rates either online or from local insurance agents.

Consumers should take time to compare rates before your policy renews because rates change frequently. Just because you had the lowest rates for Chevy van insurance a year ago there is a good chance you can find better rates now. Starting right now, ignore everything you know about auto insurance because you’re going to get a crash course in how to use the internet to save on auto insurance.

If you have a policy now or are shopping for new coverage, you can follow these tips to get lower rates while maximizing coverage. Shopping for cheaper protection is not that difficult. Consumers only need an understanding of the best way to shop their coverage around online.

Insurance Coverage Comparison Rates

Getting a cheaper price on 1997 Chevy Chevy Van insurance is actually quite simple. All you need to do is take time getting comparison quotes online with multiple companies. This can be done in a couple of different ways.

  1. Probably the best way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do boring form submissions for each company you want a rate for. In just a few minutes this one form gets rate comparisons direct from many companies. This is by far the quickest method.
  2. A different way to compare rate quotes requires a visit to the website for every company you want to comare and complete a new quote form. For instance, we’ll pretend you want rates from Geico, Safeco and Farmers. To find out each rate you need to take the time to go to each site to input your insurance information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

However you get your quotes, make sure you use exactly the same information with every price quote. If you have different deductibles then you won’t be able to determine the best price for your Chevy Chevy Van.

Do you qualify for a discount?

Insurance can cost an arm and a leg, but you may find discounts to help offset the cost. Some trigger automatically when you quote, but lesser-known reductions have to be asked for prior to receiving the credit. If you don’t get every credit available, you are paying more than you should be.

  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Chevy van insurance than less cautious drivers.
  • Driver’s Ed – Have your child take driver’s ed class in school.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Passive Restraints and Air Bags – Vehicles with factory air bags can get savings of 20% or more.
  • Drive Less and Save – Driving fewer miles can earn lower rates on the low mileage vehicles.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky. Any amount of discount will bring down your overall premium however.

To see a list of insurers offering auto insurance discounts, click this link.

What coverages do I need?

When buying coverage, there really is not a “perfect” insurance plan. Each situation is unique.

For instance, these questions may help you determine if you would benefit from an agent’s advice.

  • What is high-risk coverage and where do I buy it?
  • Can I get a multi-policy discount?
  • Do I need added coverage for expensive stereo equipment?
  • Does coverage extend to Mexico or Canada?
  • Am I covered if I drive in a foreign country?
  • Are my friends covered when driving my car?
  • Do I pay less for low miles?
  • How much liability do I need to cover my assets?
  • Is motorclub coverage worth it?
  • When should I remove comp and collision on my 1997 Chevy Chevy Van?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Chevy Chevy Van insurance premiums are calculated by many factors

Smart consumers have a good feel for the different types of things that help determine your insurance rates. Having a good understanding of what determines base rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

  • Where you live is a factor – Residing in small towns and rural areas can save you money when it comes to insurance. Fewer drivers means reduced accidents. City drivers have to deal with traffic congestion and a longer drive to work. More time on the road translates into higher accident risk.
  • Clean credit earns discounts – Your credit history is a large factor in your rate calculation. If your credit score is not that good, you could save money insuring your 1997 Chevrolet Chevy Van by repairing your credit. Consumers who have excellent credit tend to be less risk to insure than drivers who have lower credit scores.
  • Your occupation can affect rates – Occupations like real estate brokers, business owners and accountants are shown to have higher rates than average due to stressful work requirements and lengthy work days. On the flip side, occupations like actors, athletes and the unemployed pay the least for Chevy van insurance.
  • Never let your coverage lapse – Driving without insurance is a misdemeanor and your next policy will cost more because you let your coverage have a gap. Not only will rates go up, but not being able to provide proof of insurance might get you a revoked license or a big fine.You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • The more you drive the more you pay – The more you drive every year the more you will pay for insurance. The majority of insurers apply a rate based on how the vehicle is used. Autos used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. If your policy improperly rates your Chevy Van may be costing you. Double check that your insurance policy is showing the correct driver usage, because it can save money.
  • Bundling policies can get discounts – Many insurance companies provide better rates to insureds who carry more than one policy. It’s known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even though this discount sounds good, it’s in your best interest to comparison shop to ensure the best deal.

Are you falling for claims of savings?

Consumers constantly see and hear ads for car insurance savings by companies like Progressive, Geico, Allstate and State Farm. All the companies have a common claim about savings if you switch to them.

How does each company make the same claim? This is how they do it.

Different companies can use profiling for the driver that makes them money. An example of a preferred risk might be profiled as a mature driver, has no tickets, and drives less than 7,500 miles a year. Any new insured who meets those qualifications will qualify for the lowest rates and therefore will save quite a bit of money when switching.

Consumers who fall outside the requirements will have to pay higher rates and ends up with business going elsewhere. Company advertisements say “people who switch” not “everybody who quotes” save that much money. That is how insurance companies can confidently claim big savings.

Because of the profiling, it’s extremely important to get as many comparisons as possible. Because you never know which insurance company will fit your personal profile best.

Auto insurance coverages

Understanding the coverages of your policy can be of help when determining appropriate coverage for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, rock chips in glass, vandalism, hitting a deer and damage from flooding. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like driving through your garage door, damaging your car on a curb, colliding with another moving vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Chevy Chevy Van.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for bills for ambulance fees, funeral costs and X-ray expenses. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Liability insurance – Liability insurance provides protection from damage that occurs to people or other property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like bail bonds, loss of income, legal defense fees, medical services and structural damage. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Have money to burn

People change insurance companies for a variety of reasons including high prices, delays in paying claims, questionable increases in premium and even policy non-renewal. Regardless of your reason for switching companies, choosing a new insurance company is not as difficult as it may seem.

As you prepare to switch companies, never buy poor coverage just to save money. There are too many instances where someone dropped comprehensive coverage or liability limits and learned later that it was a big error on their part. Your goal should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Cheap 1997 Chevy Chevy Van insurance is available on the web in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Helpful learning opportunities