1997 Chevrolet Venture Car Insurance Rates – 6 Savings Tips

Want cheaper insurance rates for your Chevrolet Venture? Consumers who are new to buying insurance online may find finding cheap insurance is harder than they anticipated.

It’s important to do rate comparisons periodically since rates are variable and change quite frequently. Even if you got the best price for Venture insurance on your last policy you may be paying too much now. So just forget anything you know (or think you know) about insurance because we’re going to show you the fastest and easiest way to save money, get proper coverage and the best rates.

Lots of discounts mean lots of savings

Companies offering auto insurance don’t list every discount very clearly, so we researched some of the best known and the more hidden discounts you could be receiving.

  • Drivers Ed for Students – Require your teen driver to complete a driver education course in high school.
  • Multiple Cars – Buying coverage for all your vehicles on one policy could earn a price break for each car.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy before your current expiration date. The savings is around 10%.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
  • Sign Online – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up online.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Most cut individual premiums such as physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, it just doesn’t work that way.

Car insurance companies that may offer these discounts may include but are not limited to:

Before buying, ask all companies you are considering what discounts are available to you. All car insurance discounts may not be available in your state.

Drivers who switch save $464 a year? Really?

Progressive, Allstate and Geico constantly bombard you with television and radio advertisements. All the companies have a common claim that you’ll save big if you switch to their company. How can each company make almost identical claims?

Different companies are able to cherry pick for the right customer that makes them money. For example, a profitable customer might be profiled as between 30 and 50, is a homeowner, and drives less than 7,500 miles a year. A driver who matches those parameters receives the best rates and as a result will probably save quite a bit of money when switching.

Consumers who are not a match for this ideal profile will have to pay higher premiums and this can result in the customer not buying. The ads state “customers who switch” but not “drivers who get quotes” save that much. That is how insurance companies can confidently advertise the way they do. Because of the profiling, you should compare as many rates as you can. It’s impossible to know which insurance companies will have the lowest Chevy Venture insurance rates.

Situations that might require an agent

When it comes to buying the best auto insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions might help in determining whether your personal situation might need professional guidance.

  • Is my ex-spouse still covered by my policy?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered if I crash into my own garage door?
  • What vehicles should carry emergency assistance coverage?
  • Do I need replacement cost coverage on my 1997 Chevy Venture?
  • Should I carry comprehensive and collision coverage?
  • Does insurance cover tools stolen from my truck?
  • Should I put collision coverage on all my vehicles?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form.

Car insurance specifics

Understanding the coverages of a car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Venture.

Since many drivers 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 a good idea.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses like chiropractic care, doctor visits and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like rock chips in glass, fire damage, vandalism, a broken windshield and damage from getting keyed. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability

This will cover damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against claims from other people. It does not 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. As an example, you may have liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as attorney fees, repair costs for stationary objects, medical services, pain and suffering and medical expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

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

Collision insurance covers claims such as crashing into a building, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

A little work can save a LOT of money

We covered some good ideas how to get a better price on 1997 Chevy Venture insurance. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even find the most savings is with a lesser-known regional company.

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. In many instances, drivers have reduced physical damage coverage and learned later that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Insureds leave their current company for many reasons like being labeled a high risk driver, delays in paying claims, an unsatisfactory settlement offer and even high prices. Regardless of your reason for switching companies, finding a great new company is pretty easy and you might even save some money in the process.

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