I can’t think of a single person who likes having to buy insurance coverage, especially when the cost is too high. Insurance companies such as State Farm and Geico persitently shower you with advertising and it can be hard to ignore the flashy ads and find the best price available.
Finding a lower price on 1998 Chevy Venture insurance is not rocket science. Drivers just need to spend a few minutes comparing rates provided by online insurance companies. This is very easy and can be done in a couple of different ways.
For a list of links to insurance companies in your area, click here.
Whichever way you use, make sure you use exactly the same coverage limits and deductibles for each comparison quote. If your comparisons have higher or lower deductibles it’s impossible to truly determine the lowest rate.
Car insurance companies don’t always advertise all available discounts very clearly, so here is a list both the well known and the harder-to-find insurance coverage savings. If you’re not getting every credit you deserve, you’re just leaving money on the table.
As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, companies wouldn’t make money that way.
Companies that may have some of the above discounts include:
It’s a good idea to ask each insurance company what discounts are available to you. Discounts may not be available in every state.
Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for insurance coverage. Having a good understanding of what determines base rates helps enable you to make changes that may reward you with big savings.
When choosing coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can aid in determining if your insurance needs might need an agent’s assistance.
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.
Learning about specific coverages of a car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages found on most car insurance policies.
Medical payments coverage and PIP
Med pay and PIP coverage provide coverage for immediate expenses for things like surgery, X-ray expenses, EMT expenses and chiropractic care. 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 both the driver and occupants and will also cover 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
Collision coverage protection
This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for claims like colliding with another moving vehicle, driving through your garage door, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.
Uninsured/Underinsured Motorist coverage
Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Chevy Venture.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.
This will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as damage from flooding, hitting a deer and theft. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Auto liability insurance
This can cover injuries or damage you cause to other’s property or people in an accident. It protects YOU from claims by other people, and does not provide coverage for 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 might see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.
Liability can pay for claims such as emergency aid, attorney fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but buy higher limits if possible.
We just showed you a lot of information how to reduce 1998 Chevy Venture insurance prices online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced insurance coverage comes from the least-expected company. These companies can often provide lower rates in certain areas compared to the large companies like Geico and State Farm.
Budget-conscious insurance can be found online and with local insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance coverage companies do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.
Additional information can be read at the links below