1992 Chevrolet Chevy Van Car Insurance Rates

Searching for cheaper auto insurance rates for your Chevrolet Chevy Van? Finding the best price on auto insurance can seem complicated if you’ve never compared online quoting. But don’t let that discourage you because it’s actually quite easy.

It’s important to price shop coverage yearly since rates are usually higher with each renewal. Just because you found the lowest price on Chevy van insurance a few years ago you will most likely find a better rate today. You’ll find quite a bit of inaccurate information about auto insurance online but by reading this article, you’re going to learn a bunch of ideas how to put money back in your pocket.

Vehicle Insurance Comparison

Effectively comparing car insurance prices can take time and effort if you aren’t aware of the most efficient way. You could waste time talking about coverages with insurance agencies in your area, or you could use online quotes for quick rates.

The majority of car insurance companies participate in a marketplace where prospective buyers enter their coverage request one time, and at least one company can give them a price based on that information. This saves time by eliminating quote requests to every company. To compare 1992 Chevy Chevy Van rates using this form now click here (opens in new window).

The only drawback to using this type of system is you are unable to specify the insurers you want to price. So if you want to select from a list of companies to compare prices, we have a page of car insurance companies in your area. Click here to view list.

It’s up to you which method you use, but ensure you are comparing exactly the same quote information for each price quote. If you compare unequal deductibles or liability limits it will be next to impossible to make a fair comparison for your Chevy Chevy Van. Having just a slight variation in coverage limits may result in a large different in cost. Just remember that comparing more company’s prices gives you a better chance of getting the best offered rates.

Don’t overlook these discounts

Insurance can be prohibitively expensive, but you may find discounts that you may not know about. Certain discounts will be applied when you get a quote, but a few must be specifically requested prior to getting the savings.

  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a discount up to 10% on Chevy van insurance.
  • No Claims – Good drivers with no accidents can save substantially compared to frequent claim filers.
  • Sign Early and Save – Some companies give discounts for switching policies before your current policy expires. It can save you around 10%.
  • Multiple Vehicles – Having multiple vehicles on the same insurance coverage policy qualifies for this discount.
  • New Vehicle Savings – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with a substantially lower rate.
  • Defensive Driving Course – Taking a driver safety course can save you 5% or more if you qualify.

Consumers should know that most credits do not apply to your bottom line cost. Some only reduce individual premiums such as liability and collision coverage. Just because it seems like it’s possible to get free car insurance, insurance coverage companies aren’t that generous. But all discounts will reduce your overall premium however.

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

Double check with all companies you are considering how you can save money. Some discounts might not apply in every state.

Is my situation unique?

When it comes to choosing the best car insurance coverage, there really is not a perfect coverage plan. Every situation is different.

For instance, these questions may help you determine if you might need professional guidance.

  • Can I rate high risk drivers on liability-only vehicles?
  • Should I bundle my homeowners policy with my auto?
  • Exactly who is provided coverage by my policy?
  • Which is better, split liability limits or combined limits?
  • Should I put collision coverage on all my vehicles?
  • Should I sign the liability waiver when renting a car?
  • Do I pay less if my vehicle is kept in my garage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form.

Why your Chevy Chevy Van insurance rates may be high

It’s important that you understand the factors that help determine your car insurance rates. Understanding what influences your rates allows you to make educated decisions that may reward you with big savings.

  • More than one policy can earn a discount – Most car insurance companies will award you with lower prices to people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even though this discount sounds good, you may still want to compare other company rates to verify if the discount is saving money. You may still be able to find better rates by buying insurance from more than one company.
  • High crash test scores lower rates – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates. If your Chevy Chevy Van earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • What are your deductibles? – Your deductibles represent how much money you are required to spend before a claim is paid by your company. Coverage for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Examples of covered claims could be colliding with a building, damage caused by hail, and burglary. The higher the amount you’re willing to pay, the less your company will charge you for insurance on Chevy van insurance.
  • Do you have a high stress job? – Did you know your job can affect your rates? Careers like doctors, social workers and stock brokers are shown to have the highest rates attributed to stressful work requirements and lengthy work days. On the other hand, professions such as scientists, students and performers pay the least on Chevy van insurance.
  • Sex matters – Statistics show that women are safer drivers than men. That doesn’t necessarily mean that women are BETTER drivers than men. Women and men tend to get into accidents at a similar rate, but the male of the species cause more damage. Men also tend to get more serious tickets such as DWI and reckless driving. Youthful male drivers tend to get in the most accidents and thus pay the highest rates.

Switch companies and save? Really?

21st Century, Allstate and State Farm consistently run ads on television and other media. All the companies have a common claim about savings if you change your coverage to them. But how can every company make almost identical claims?

All the different companies are able to cherry pick for the type of driver that earns them a profit. For instance, a preferred risk might be profiled as between 30 and 50, owns a home, and has a short commute. A customer that hits that “sweet spot” receives the best rates and most likely will save quite a bit of money when switching.

Consumers who don’t qualify for the “perfect” profile will have to pay higher prices and this can result in business going elsewhere. Company advertisements say “customers that switch” not “everyone that quotes” save money. That is how insurance companies can advertise the savings.

Because of the profiling, it’s extremely important to get as many quotes as possible. It is impossible to predict which company will give you the biggest savings on Chevy Chevy Van insurance.

Car insurance coverage options for a Chevy Chevy Van

Understanding the coverages of car insurance can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses like prosthetic devices, pain medications and surgery. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Collision coverage

Collision coverage pays for damage to your Chevy Van resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as scraping a guard rail, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

UM/UIM Coverage

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix 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 can pay for things like a tree branch falling on your vehicle, fire damage, hail damage and damage from getting keyed. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverage

This can cover injuries or damage you cause to other’s property or people in an accident. It protects you against claims from other people. Liability doesn’t cover 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. You commonly see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as emergency aid, structural damage, bail bonds, court costs and medical services. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

A penny saved is a penny earned

When shopping online for insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits only to regret that they should have had better coverage. The proper strategy is to buy enough coverage for the lowest price while still protecting your assets.

We just presented a lot of techniques to get a better price on 1992 Chevy Chevy Van insurance. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers may even find the most savings is with a small local company.

People switch companies for a variety of reasons including high rates after DUI convictions, extreme rates for teen drivers, poor customer service and even lack of trust in their agent. Regardless of your reason for switching companies, finding a great new company can be easy and end up saving you some money.

Additional information