View 2003 Chevrolet Venture Car Insurance Rates

Want lower insurance coverage rates for your Chevrolet Venture? Are you overwhelmed by the crazy number of insurance coverage company choices? Many other drivers are as well. You have so many choices that it can turn into a real hassle to find the lowest price.

Smart consumers take time to compare rates once or twice a year since insurance rates are constantly changing. Even if you got the best rates on Venture coverage six months ago other companies may now be cheaper. Ignore everything you know about insurance coverage because we’re going to demonstrate the fastest and easiest way to get good coverage at a lower rate.

The quickest method we recommend to compare car insurance company rates is to take advantage of the fact most of the bigger providers provide online access to compare rate quotes. To begin a comparison, all you need to do is provide a little information such as level of coverage desired, if you have an active license, an estimate of your credit level, and driver details. That rating data is automatically sent to many highly-rated insurers and you will receive price estimates quickly.

Do you qualify for a discount?

Companies offering auto insurance don’t necessarily list all available discounts in an easy-to-find place, so we took the time to find some of the best known and the harder-to-find car insurance savings.

  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on Venture coverage depending on your company.
  • Multiple Vehicles – Buying insurance for multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Accident Free – Claim-free drivers can save substantially when compared to frequent claim filers.
  • Driver Safety – Taking a defensive driving course could possibly earn you a 5% discount if you qualify.
  • E-sign – A few companies will give a small break simply for signing over the internet.
  • Organization Discounts – Participating in a qualifying organization could qualify you for a break when shopping for car insurance on Venture coverage.
  • Low Mileage Discounts – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Venture coverage than less cautious drivers.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. A few only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

A partial list of companies who might offer some of the above discounts include:

Before buying, ask each company which discounts you may be entitled to. All car insurance discounts may not be available in your state.

What coverages do I need?

When it comes to buying the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different.

For example, these questions may help you determine if your insurance needs might need an agent’s assistance.

  • Do I really need UM/UIM coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Are rock chip repairs covered?
  • Do I need replacement cost coverage?
  • Exactly who is provided coverage by my policy?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my ex-spouse still covered by my policy?
  • Will my insurance pay for OEM parts?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Information about specific coverages

Having a good grasp of your car insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

UM/UIM Coverage – Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chevy Venture.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical costs insurance – Coverage for medical payments and/or PIP pay for immediate expenses like dental work, chiropractic care, ambulance fees and doctor visits. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as falling objects, hail damage, a broken windshield, rock chips in glass and damage from a tornado or hurricane. The maximum payout your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

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

Collision can pay for claims such as driving through your garage door, hitting a parking meter, rolling your car, damaging your car on a curb and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability – Liability coverage will cover damage that occurs to other’s property or people in an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like legal defense fees, medical services, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.