1995 Chevrolet Sportvan Insurance Rates – 10 Savings Tips

Overpriced Chevrolet Sportvan insurance can take a big chunk out of your bank account and make it impossible to make ends meet. Comparison shopping is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Because there are so many companies and agents to choose from, it’s difficult to choose the most affordable company.

It’s a good idea to get comparison quotes at least once a year due to the fact that insurance rates trend upward over time. Despite the fact that you may have had the lowest price for Sportvan coverage on your last policy there may be better deals available now. Don’t believe everything you read about car insurance on the web, but by reading this article, you’re going to learn some tested techniques to stop overpaying for insurance.

Discounts are available to cut your rates

The cost of insuring your cars can be expensive, but there could be available discounts that you may not even be aware of. Some discounts apply automatically at the time of purchase, but some must be asked for prior to getting the savings.

  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Club Memberships – Affiliation with a qualifying organization could trigger savings on insurance coverage for Sportvan coverage.
  • Multiple Cars – Buying coverage for all your vehicles on one policy could earn a price break for each car.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Federal Employees – Simply working for the federal government can save as much as 8% for Sportvan coverage with select insurance companies.
  • Life Insurance – Some companies give lower rates if you buy a life insurance policy as well.
  • Payment Method – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Accident Waiver – Some insurance companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a set time period.
  • Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • Air Bag Discount – Cars that have air bags or motorized seat belts can get savings of more than 20%.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Some only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way. Any amount of discount will help reduce your premiums.

Companies that may have these benefits include:

Before buying, ask every prospective company which discounts they offer. All car insurance discounts might not be offered in your area.

Automobile Insurance Quotes

Performing a rate comparison can be a daunting task if you don’t understand the most efficient way. You could spend your day driving to insurance companies in your area, or you can stay home and use the web to get pricing more quickly.

All the larger companies take part in a program that allows shoppers to complete one form, and each company can provide price quotes. This system prevents you from having to do repetitive form submissions for every auto insurance company.

To compare 1995 Chevy Sportvan rates using this form now click to open in new window.

One minor caviat to using this type of system is you cannot specify which carriers to get pricing from. So if you prefer to pick specific providers to compare, we put together a list of companies who write auto insurance in your area. Click here to view list.

Whichever way you use, compare exactly the same coverages with every price quote. If you use higher or lower deductibles you will not be able to determine the best price for your Chevy Sportvan. Having just a slight variation in coverage limits could mean much higher rates. Keep in mind that having more price comparisons will increase your chances of finding a lower rate.

Everyone needs different coverages

When it comes to buying proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Each situation is unique so your insurance needs to address that. These are some specific questions may help you determine whether you would benefit from an agent’s advice.

  • How high should deductibles be on a 1995 Chevy Sportvan?
  • Why am I required to buy liability insurance?
  • What is the difference between comprehensive and collision coverage?
  • What is medical payments coverage?
  • What is the minimum liability in my state?
  • Do I pay less for low miles?
  • Am I covered if I crash into my own garage door?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Do drivers who switch really save $488 a year?

Progressive, Allstate and Geico continually stream television and radio advertisements. All the companies make an identical promise about savings after switching to their company. How does each company make almost identical claims? It’s all in the numbers.

All companies can use profiling for the right customer they prefer to insure. An example of a driver they prefer might be over the age of 50, insures multiple vehicles, and has a high credit rating. Any new insured who meets those qualifications receives the best rates and is almost guaranteed to save when they switch companies.

Potential insureds who don’t meet these standards will be quoted higher premiums which leads to business not being written. Company advertisements say “people who switch” not “people who quote” save that much money. That’s why companies can truthfully make the claims of big savings.

This emphasizes why you need to get as many comparisons as possible. It’s just too difficult to predict which insurance company will fit your personal profile best.

The coverage is in the details

Having a good grasp of a insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types offered by insurance companies.

Collision protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sideswiping another vehicle, colliding with a tree, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hail damage, fire damage, damage from flooding, falling objects and hitting a bird. The highest 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 it’s probably time to drop comprehensive insurance.

Auto liability

This protects you from damage or injury you incur to other’s property or people that is your fault. 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 liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like court costs, loss of income, funeral expenses and attorney fees. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Coverage for medical payments

Med pay and PIP coverage provide coverage for immediate expenses for things like pain medications, doctor visits, surgery and funeral costs. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Chevy Sportvan.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually these limits are set the same as your liablity limits.

What is YOUR best insurance company?

In this article, we presented a lot of techniques to get a better price on 1995 Chevy Sportvan insurance. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Consumers could even find that the best price on auto insurance is with some of the lesser-known companies. These companies may cover specific market segments cheaper than the large multi-state companies such as State Farm, Geico and Nationwide.

When buying insurance coverage, make sure you don’t buy less coverage just to save a little money. In too many instances, drivers have reduced physical damage coverage and learned later they didn’t purchase enough coverage. The proper strategy is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

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