Save on 1993 Chevrolet Chevy Van Insurance Rates

Trying to find cheaper insurance coverage rates for your Chevrolet Chevy Van? People not familiar with comparing rates online could find shopping for the cheapest insurance coverage is more work than they anticipated.

Compare Quotes for Insurance

There are several ways to compare rate quotes and find the best price. The quickest method to compare 1993 Chevy Chevy Van insurance prices is to get quotes online. This can be accomplished in several different ways.

One of the best ways to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This form eliminates the need for separate quotation requests for each company. Completing one form will return quotes direct from many companies. This is by far the quickest method.

Another way to find lower rates requires a trip to each company’s website to complete a price quote. For examples sake, we’ll pretend you want to compare Geico, State Farm and Allstate. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

The most time-consuming method to get comparison rates is to drive around to insurance agents’ offices. Buying insurance online makes this process obsolete unless you have a need for the personal advice that only a license agent can provide. Drivers can comparison shop online and still use a local agent and you’ll learn how to do that later.

Which method you use is up to you, but make darn sure you compare apples-to-apples coverage limits and deductibles on every quote. If the quotes have different liability limits you will not be able to truly determine the lowest rate. Having just a slight variation in limits may cause a big price difference. It’s important to know that getting more free quotes provides better odds of finding a better price.

Policy discounts you shouldn’t miss

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to reduce the price significantly. Most are applied when you purchase, but a few must be asked for prior to receiving the credit.

  • 55 and Retired – Older drivers may be able to get a discount up to 10% for Chevy van coverage.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less for Chevy van coverage than drivers with accident claims.
  • Accident Waiver – Some insurance companies allow you one accident without raising rates if your claims history is clear for a certain period of time.
  • Sign Online – A handful of insurance companies will discount your bill up to fifty bucks simply for signing on their website.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% for Chevy van coverage with a few insurance companies.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.

Consumers should know that some of the credits will not apply to all coverage premiums. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will reduce the amount you have to pay.

Insurance companies that may have some of the above discounts may include but are not limited to:

Double check with each company which discounts you may be entitled to. Discounts might not be offered in your state.

Insurance agents can help

When choosing adequate coverage for your vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different.

These are some specific questions can aid in determining whether your personal situation will benefit from professional help.

  • What can I do if my company won’t pay a claim?
  • What is the rate difference between pleasure use and commuting?
  • How many claims can I have before being cancelled?
  • Does my car insurance cover rental cars?
  • Do I have coverage when making deliveries for my home business?
  • What is medical payments coverage?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form.

Factors determining your Chevy Chevy Van insurance premium

An important part of buying insurance is that you know the rating factors that come into play when calculating your car insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that may reward you with better car insurance rates.

  • More people means more accidents – Being located in a small town has it’s advantages when it comes to car insurance. Drivers who live in large cities have to deal with congested traffic and longer commutes to work. Fewer drivers means fewer accidents and also fewer theft and vandalism claims.
  • Special features that cut premiums – Purchasing a vehicle with a theft deterrent system can help lower your rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
  • Marriage brings a discount – Getting married can actually save you money on car insurance. It is viewed as being more mature and responsible and it’s statistically proven that being married results in fewer claims.
  • Lower rates come with age – Mature drivers are more responsible, file fewer claims and get fewer tickets. Teen drivers tend to get distracted easily in a vehicle therefore car insurance rates are much higher.
  • Do you qualify for a multi-policy discount? – Many companies give discounts to insureds who buy several policies from them in the form of a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare rates to make sure you are getting the best deal.

Insurance coverages and their meanings

Learning about specific coverages of insurance can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for collisions

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

Collision insurance covers claims such as hitting a mailbox, hitting a parking meter, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, rock chips in glass, theft, fire damage and damage from getting keyed. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability insurance can cover damages or injuries you inflict on other people or property that is your fault. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as pain and suffering, court costs, structural damage, medical services and loss of income. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

UM/UIM Coverage

This coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Chevy Chevy Van.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits are set the same as your liablity limits.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like nursing services, doctor visits, chiropractic care, ambulance fees and dental work. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Be a smart shopper

Consumers change insurance companies for a number of reasons such as policy non-renewal, high prices, an unsatisfactory settlement offer or delays in responding to claim requests. It doesn’t matter what your reason, finding a great new company can be easier than you think.

As you restructure your insurance plan, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where consumers will sacrifice physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage at a price you can afford.

In this article, we presented some good ideas how you can lower your 1993 Chevy Chevy Van insurance rates. It’s most important to understand that the more you quote, the better your comparison will be. Consumers may even find the biggest savings come from some of the lesser-known companies.

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