How Much Does 1993 Chevrolet Sportvan Insurance Cost?

Looking for lower insurance rates for your Chevrolet Sportvan? Are you confused by the sheer number of insurance companies? Many other consumers are too. Drivers have so many choices that it can easily become a big hassle to locate the lowest price.

Choosing the best insurance company for you is not rocket science. In a nutshell, anyone who shops for insurance most likely will be able to find better rates. Although car owners must know how companies market insurance on the web and use this information to your advantage.

Discounts mean cheaper 1993 Chevy Sportvan insurance rates

Companies offering auto insurance do not advertise every available discount in a way that’s easy to find, so we took the time to find both the well known as well as the least known savings tricks you should be using.

  • Multi-policy Discount – If you have multiple policies with the same company you may earn up to 20% off your total premium.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Multiple Vehicles – Insuring multiple vehicles with the same company qualifies for this discount.
  • Homeowners Pay Less – Owning a house may earn you a small savings because of the fact that having a home requires personal responsibility.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way.

To see a list of insurance companies who offer auto insurance discounts, click this link.

Factors influencing Chevy Sportvan insurance rates

Consumers need to have an understanding of the factors that come into play when calculating insurance coverage rates. Understanding what controls the rates you pay allows you to make educated decisions that can help you get lower insurance coverage prices.

  • Do you know your deductibles? – Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your Chevy from damage. Examples of covered claims are a windshield shattered by a rock, collision with an animal, and rolling your vehicle. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket in the event of a claim. The more money you’re willing to pay, the less your company will charge you for insurance for Sportvan coverage.
  • Add-on coverages can add up – There are a ton of additional coverages that you can buy when buying insurance coverage. Coverages for rental car reimbursement, towing coverage and motor club memberships may be costing you every month. They may seem good when you first buy your policy, but if you don’t need them eliminate them to save money.
  • Your location affects your rates – Being located in a small town has it’s advantages when it comes to insurance coverage. Urban drivers regularly have congested traffic and longer commutes to work. Fewer people means fewer accidents and a lower car theft rate.
  • Safer cars cost less to insure – Vehicles with good safety scores can get you lower premiums. Safe vehicles reduce injuries and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If your Chevy Sportvan has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • You might want pay the small claims yourself – Car insurance companies generally give lower rates to people who do not rely on their insurance for small claims. If you are a frequent claim filer, you can expect either higher rates or even cancellation. Car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Save money with special equipment – Owning a car with a theft deterrent system can get you a discount on your insurance coverage. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft.
  • Men pay higher rates – Statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Both sexes cause accidents at a similar rate, but the men have costlier accidents. Men also statistically get more serious tickets such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore have the most expensive insurance coverage rates.

Tailor your coverage to you

When choosing adequate coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

For instance, these questions can help discover whether you may require specific advice.

  • Where can I get insurance after a DUI in my state?
  • Does medical payments coverage apply to all occupants?
  • What is the difference between comprehensive and collision coverage?
  • How much liability coverage do I need in my state?
  • Is my 1993 Chevy Sportvan covered for flood damage?
  • What is roadside assistance coverage?
  • Is rental equipment covered for theft or damage?
  • Should I get collision insurance on every vehicle?
  • Do I need rental car coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance coverages for a 1993 Chevy Sportvan

Knowing the specifics of insurance can be of help when determining the right coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage – This gives you protection from other drivers when they 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 Sportvan.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverages – Comprehensive insurance pays for 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 coverage pays for claims such as a broken windshield, falling objects, a tree branch falling on your vehicle, fire damage and vandalism. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability – Liability insurance will cover damage or injury you incur to other’s property or people by causing an accident. This coverage protects you from claims by other people. It does not cover 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. As an example, you may have limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers claims like pain and suffering, funeral expenses, structural damage and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like rehabilitation expenses, prosthetic devices, pain medications and funeral costs. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with another moving vehicle, backing into a parked car, hitting a mailbox, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Coverage on a shoestring budget

As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced physical damage coverage only to regret that it was a big mistake. The aim is to buy the best coverage you can find at the best price, not the least amount of coverage.

Low-cost 1993 Chevy Sportvan insurance is definitely available both online and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers may not provide the ability to get a quote online and these small, regional companies work with independent agents.

We just presented many ideas to get a better price on insurance. The key concept to understand is the more providers you compare, the better chance you’ll have of finding lower rates. Consumers may even find the lowest rates come from a small local company.

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