How Much Does 1991 Chevrolet Sportvan Car Insurance Cost?

If shopping for insurance online is new to you, you may be confused by the sheer number of online companies selling insurance.

You should make it a habit to compare prices every six months because insurance rates are usually higher with each renewal. If you had the lowest rates on Sportvan insurance a couple years back the chances are good that you can find a lower rate today. There is a lot of wrong information about insurance on the internet, so with this article, you’re going to get some guaranteed methods to reduce your insurance bill.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this strategy. The purpose of this article is to tell you how car insurance quotes work and some tips to save money. But drivers benefit from understanding the methods companies use to determine prices and use this information to your advantage.

The quickest method to get rate comparisons is to take advantage of the fact most of the larger companies will pay a fee to quote your coverage. To begin a comparison, all you need to do is provide a small amount of information such as whether you drive to work or school, your general credit rating, whether you are single or married, and if you have an active license. Your details is instantly provided to insurance carriers in your area and you will get price comparisons instantly.

Save on Chevy Sportvan insurance

Companies that sell car insurance don’t list all their discounts in a way that’s easy to find, so the following is a list of some of the more common and the more hidden savings tricks you should be using.

  • Defensive Driver – Taking a course in driver safety could cut 5% off your bill depending on where you live.
  • Drive Less and Save – Fewer annual miles on your Chevy could be rewarded with a substantially lower rate.
  • Federal Employees – Employees or retirees of the government can save as much as 8% on Sportvan insurance with select insurance companies.
  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Air Bag Discount – Cars that have air bags may earn rate discounts of 20% or more.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less on Sportvan insurance than drivers with accident claims.
  • Sign Early and Save – Select companies give a discount for switching to them before your current policy expires. It can save you around 10%.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.

Consumers should know that most of the big mark downs will not be given the the whole policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you could get a free insurance policy, you’re out of luck.

Car insurance companies who might offer some of the above discounts include:

Check with all companies you are considering how you can save money. Discounts may not apply in your state.

These factors can influence Chevy Sportvan insurance rates

An important part of buying insurance is that you know the factors that go into determining the rates you pay for auto insurance. Understanding what determines base rates enables informed choices that may reward you with much lower annual insurance costs.

Listed below are some of the items auto insurance companies consider when setting rates.

  • Car features impact rates – Owning a car with anti-theft technology or alarm system can save you a little every year. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your car from being stolen.
  • Older drivers save more – Teenage drivers are statistically proven to be careless and easily distracted behind the wheel so auto insurance rates are higher. Adding a youthful driver onto your auto insurance can break the bank. Older drivers are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel.
  • Being married is a good thing – Getting married actually saves money when buying auto insurance. It means you’re more mature and it’s proven that being married results in fewer claims.
  • Women pay lower rates – Statistics demonstrate women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Women and men tend to get into accidents in similar numbers, but the male of the species cause more damage. Men also tend to get more serious tickets such as DWI and reckless driving. Young males are the most expensive to insure and therefore have the most expensive auto insurance rates.
  • Traffic violations increase rates – A bad driving record has a lot to do with how much you pay for insurance. Careful drivers get better rates than bad drivers. Even a single speeding ticket can boost insurance rates forty percent or more. If you have serious violations such as reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique.

For example, these questions may help highlight if your situation might need an agent’s assistance.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • What is the ISO rating for a 1991 Chevy Sportvan?
  • Do I have coverage when making deliveries for my home business?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered by my spouse’s policy after a separation?
  • I have a DUI can I still get coverage?
  • Is my 1991 Chevy Sportvan covered for flood damage?
  • Is a blown tire covered by insurance?

If you can’t answer these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance coverages 101

Knowing the specifics of a car insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability coverage – Liability insurance protects you from damage or injury you incur to people or other property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers claims like medical expenses, funeral expenses and court costs. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Collision – This coverage covers damage to your Sportvan resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a building, sideswiping another vehicle and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

UM/UIM (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. It can pay for hospital bills for your injuries and damage to your Chevy Sportvan.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive auto coverage – This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a deer, theft and damage from a tornado or hurricane. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for rehabilitation expenses, doctor visits, nursing services and chiropractic care. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Quote often and quote early

Low-cost 1991 Chevy Sportvan insurance can be purchased 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 companies do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

We covered a lot of tips how to lower your insurance rates. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the best prices are with a small local company.

People who switch companies do it for a variety of reasons including policy cancellation, poor customer service, questionable increases in premium or high rates after DUI convictions. Whatever your reason, finding a new company is less work than it seems.

Much more information about auto insurance is available at these links: