1994 Chevrolet Chevy Van Insurance Rates – 9 Ways to Save

Want the cheapest auto insurance rates for your Chevrolet Chevy Van? Are you tired of not being able to afford to insure your Chevy every month? You are in the same boat as the majority of other car owners.

You have so many car insurance companies to purchase coverage from, and though it is a good thing to be able to choose, it makes it harder to compare rates and find the lowest cost auto insurance.

It’s a good idea to take a look at other company’s rates on a regular basis since rates are rarely the same from one policy term to another. Even if you think you had the lowest rates for Chevy van insurance a few years ago other companies may now be cheaper. There is a lot of bad advice regarding auto insurance on the web, but I’m going to show you a lot of great tips on how to buy auto insurance cheaper.

How to Get Insurance Coverage Comparison Quotes

Most major insurance companies allow you to get prices for coverage directly from their websites. Getting quotes doesn’t take much effort as you just enter your required coverages into the quote form. Once entered, their rating system obtains credit information and your driving record and returns a price quote. Online quotes makes it a lot easier to compare rates but the time required to go to multiple sites and complete many quote forms is monotonous and tiresome. But it’s absolutely necessary to do this in order to find the lowest insurance coverage rates.

The easiest way to lower your rates makes use of a single form that obtains quotes from many companies. It’s a real time-saver, helps eliminate reptitive entry, and makes price shopping online a little more enjoyable. As soon as you send your information, it gets priced and you can choose your choice of the pricing results. If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. This process can be completed in less than 10 minutes and you will know how your current rates stack up.

To quickly compare rates using this form now, click here and input your coverage information. If you have a policy now, it’s recommended you type in coverages and limits just like they are on your policy. This way, you will get comparison quotes for the exact same coverage.

How to save on 1994 Chevy Chevy Van insurance

Companies that sell car insurance do not list every discount very well, so here is a list both well-publicized and the harder-to-find discounts you could be receiving.

  • Passive Restraint Discount – Factory air bags can get savings of up to 25% or more.
  • Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Sign Early and Save – Some companies give discounts for buying a policy before your current expiration date. It can save you around 10%.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out life insurance.
  • Accident Waiver – A few companies permit an accident before your rates go up if your claims history is clear for a set time period.
  • Senior Discount – Older drivers can possibly qualify for reduced rates for Chevy van insurance.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • E-sign – Some insurance companies may give you up to $50 simply for signing online.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.

Consumers should know that many deductions do not apply to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. Just because it seems like it’s possible to get free car insurance, you’re out of luck.

Car insurance companies that possibly offer these money-saving discounts may include but are not limited to:

Double check with each company how you can save money. Discounts might not be offered everywhere.

Tailor your coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions might help in determining if you might need professional guidance.

  • When should my teen driver be added to my policy?
  • Should I buy full coverage?
  • Should I have a commercial auto policy?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered when using my vehicle for business?
  • Do I have coverage when pulling a U-Haul trailer?
  • Will filing a claim cost me more?
  • Are all vehicle passengers covered by medical payments coverage?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Do auto insurance companies bend the truth?

Auto insurance providers like Allstate, Geico and Progressive constantly bombard you with television and radio advertisements. They all have a common claim about savings if you switch to their company. How does each company make the same claim?

All companies have a certain “appetite” for the type of customer they prefer to insure. A good example of a profitable customer could possibly be between the ages of 40 and 55, has no driving citations, and drives newer vehicles. A customer who fits that profile is entitled to the best price and most likely will save quite a bit of money when switching.

Potential customers who don’t measure up to the “perfect” profile will be charged higher prices which usually ends up with business going elsewhere. Company advertisements say “people who switch” but not “drivers who get quotes” save money. This is how insurance companies can state the savings. That is why it’s extremely important to quote coverage with many companies. Because you never know which company will fit your personal profile best.

Insurance coverage basics

Having a good grasp of insurance can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverage types found on the average insurance policy.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Chevy Van.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hail damage, damage from a tornado or hurricane, theft and falling objects. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability – Liability coverage provides protection from damage that occurs to other people or property in an accident. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like structural damage, medical services, court costs, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for expenses for hospital visits, ambulance fees, rehabilitation expenses, X-ray expenses and chiropractic care. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Collision coverage – Collision insurance covers damage to your Chevy Van resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, hitting a mailbox, backing into a parked car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Money doesn’t grow on trees

The cheapest 1994 Chevy Chevy Van insurance can be bought from both online companies and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies do not offer online price quotes and these regional insurance providers work with independent agents.

In this article, we covered many tips how you can shop for insurance online. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. You may even discover the lowest priced insurance comes from the least-expected company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like Progressive and Geico.

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. In too many instances, someone sacrificed physical damage coverage only to regret at claim time that the savings was not a smart move. The ultimate goal is to get the best coverage possible at an affordable rate while still protecting your assets.

More tips and info about insurance can be found at these sites: