Lower Your 2000 Chevrolet Venture Insurance Quotes

Looking for cheaper auto insurance rates for your Chevrolet Venture? Nobody likes paying for auto insurance, in particular when the price is too high.

Because you have many online and local companies to choose from, it is hard for the average consumer to choose the cheapest insurance company.

Smart consumers take time to do rate comparisons yearly since insurance rates go up and down regularly. Just because you had the lowest rates on Venture coverage last year you may be paying too much now. Ignore everything you know about auto insurance because you’re about to learn the best methods to lower your rates without sacrificing coverage.

Comprehensive Insurance Comparison Quotes

All the larger insurance companies quote pricing on their websites. Obtaining pricing is quite simple as you just type in the amount of coverage you want into a form. After the form is submitted, the company’s rating system gets your driving and credit reports and quotes a price. Online quotes streamlines rate comparisons, but the time it takes to visit multiple sites and complete many quote forms can be a bit tiresome and repetitive. But it is imperative to have as many quotes as possible in order to get lower prices.

Rate comparisons made easy

The smarter way to get multiple rate quotes utilizes a single form that gets prices from several companies at one time. This type of form saves time, eliminates repetitive work, and makes rate comparisons much easier. As soon as you send your information, your coverage is rated with multiple companies and you can pick any one of the resulting price quotes.

If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The entire process can be completed in a matter of minutes and you’ll know if lower rates are available.

To compare pricing, simply click here to open in new window and submit the form. If you currently have coverage, we recommend you enter the coverage information as close as possible to your current policy. This helps ensure you are getting an apples-to-apples comparison based on similar coverages.

Chevy Venture insurance rates are influenced by…

It’s important that you understand the factors that go into determining your insurance coverage rates. When you know what positively or negatively determines base rates allows you to make educated decisions that can help you get much lower annual insurance costs.

  • Extra add-on coverages are wasting money – There are quite a few extra coverages that you can buy on your insurance coverage policy. Insurance for personal injury protection, towing coverage and motor club memberships are some examples. These coverages may sound good initially, but if you don’t need them eliminate the coverages to reduce your premium.
  • Better crash test results mean better rates – Cars with high safety ratings get lower rates. Safer cars protect occupants better and better occupant protection means lower claim amounts and lower rates for you. If your Chevy Venture scored better than four stars on Safercar.gov you are probably receiving a discount.
  • Consolidate policies to earn discounts – Some insurance coverage companies will give a discount to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. If you currently are using one company, you still need to compare rates to ensure the best deal. Drivers may still find better rates by buying insurance coverage from a different company.
  • Bad driving skills means higher rates – Even a single ticket can boost insurance rates forty percent or more. Careful drivers tend to pay less for car insurance than bad drivers. Drivers who get serious violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with the DMV in their state in order to continue driving.
  • More people means more accidents – Being located in less populated areas has it’s advantages when talking about insurance coverage. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims. Drivers who live in large cities have congested traffic and much longer commute distances. More time commuting means more change of being in an accident.
  • Discounts for married couples – Being married can get you a discount on your policy. Marriage usually means you are more responsible it has been statistically shown that married couples file fewer claims.
  • Older drivers pay less – More mature drivers are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Teen drivers tend to be careless and easily distracted when driving therefore insurance coverage rates are much higher.

Get lower rates on 2000 Chevy Venture insurance

Car insurance is not cheap, but you can get discounts that many people don’t even know exist. Some trigger automatically at the time you complete a quote, but a few must be requested specifically before you get the savings.

  • Paperwork-free – Certain companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Senior Citizens – Older drivers may receive reduced rates on Venture coverage.
  • Sign Early and Save – Some companies give discounts for switching policies prior to your current policy expiring. It can save you around 10%.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings up to 30%.
  • More Vehicles More Savings – Having multiple cars or trucks on the same auto insurance policy may reduce the rate for each vehicle.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most only cut specific coverage prices like comp or med pay. So when it seems 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.

Car insurance companies that may have some of the above discounts include:

Before buying, ask each insurance company how you can save money. Discounts might not apply everywhere.

Tailor your coverage to you

When it comes to choosing the best insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might point out whether your personal situation might need an agent’s assistance.

  • Does my policy cover me when driving someone else’s vehicle?
  • Is my 2000 Chevy Venture covered for smoke damage?
  • Am I covered when pulling a rental trailer?
  • Is a fancy paint job covered?
  • How do I insure my teen driver?
  • Should I put collision coverage on all my vehicles?
  • Who is covered when they drive my 2000 Chevy Venture?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I have coverage when making deliveries for my home business?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Car insurance coverage information

Having a good grasp of insurance aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by insurance companies.

Liability car insurance – Liability coverage will cover damage that occurs to people or other property that is your fault. This coverage protects you against other people’s claims, 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. Your policy might show policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like structural damage, court costs, medical expenses, pain and suffering and medical services. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Collision coverage – This covers damage to your Venture resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with another moving vehicle, driving through your garage door, damaging your car on a curb and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Insurance for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses for things like prosthetic devices, surgery and doctor visits. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a bird, theft, hitting a deer, damage from a tornado or hurricane and damage from flooding. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Venture.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually these coverages do not exceed the liability coverage limits.

Coverage on a shoestring budget

We covered a lot of information how to shop for 2000 Chevy Venture insurance online. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Consumers may even find the most savings is with a smaller regional carrier. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like Progressive or Geico.

When trying to cut insurance costs, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice physical damage coverage only to regret that the savings was not a smart move. Your goal should be to find the BEST coverage at an affordable rate.

More information is available at the links below