2003 Chevrolet Venture Car Insurance Quotes – 9 Tips for Best Rates

Trying to find cheaper car insurance rates for your Chevrolet Venture? Nobody I know looks forward to paying for car insurance, especially when their premiums are too high.

Since consumers have many options, it’s nearly impossible to pick the right insurer.

Discounts to lower 2003 Chevy Venture insurance rates

The cost of insuring your cars can be expensive, but there are discounts available to help offset the cost. Certain discounts will be applied at the time you complete a quote, but a few must be specifically requested before being credited.

  • Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less on Venture insurance than less cautious drivers.
  • Federal Employees – Active or retired federal employment may qualify you for a discount on Venture insurance with certain companies.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Sign Online – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
  • Safety Course Discount – Successfully completing a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
  • Senior Discount – Mature drivers can possibly qualify for a small decrease in premiums on Venture insurance.
  • Drive Less and Save – Driving fewer miles can qualify you for discounted rates on garaged vehicles.
  • Multiple Vehicles – Buying insurance for multiple vehicles with the same company may reduce the rate for each vehicle.

It’s important to understand that most of the big mark downs will not be given to all coverage premiums. Most cut individual premiums such as physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will bring down the cost of coverage.

To see a list of companies offering insurance coverage discounts, click here to view.

Which Insurance is Cheapest?

All major insurance companies allow you to get prices for coverage online. Getting quotes is quite easy as you simply enter your personal and coverage information as requested by the quote form. When the form is submitted, their system sends out for reports for credit and driving violations and returns a price based on these factors. Quoting online makes comparing rates easy, but the work required to visit multiple sites and fill out multiple forms can get tiresome after awhile. But it’s very important to perform this step if you want to find the best price on insurance.

Rate comparisons made easy

The preferred way to get multiple rate quotes utilizes a single form to get prices from more than one company. This type of form saves time, requires much less work on your part, and makes rate comparisons much easier to do. Immediately after you send the form, it gets priced and you can select any or none of the quote results.

If you find a better price you can click and sign and purchase coverage. The whole process takes less than 15 minutes and could lower your rates considerably.

To compare rates now, click here and input your coverage information. If you have your current policy handy, we recommend you enter the coverage information exactly as shown on your declarations page. Doing this guarantees you will receive comparison quotes for the exact same coverage.

Tailor your coverage to you

When buying coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that These are some specific questions can aid in determining if your insurance needs will benefit from professional help.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • If my pet gets injured in an accident are they covered?
  • Should I bundle my homeowners policy with my auto?
  • How much liability coverage do I need in my state?
  • Can I drive in Mexico and have coverage?
  • Am I getting all the discounts available?
  • Do I really need UM/UIM coverage?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Learn about auto insurance coverages for a Chevy Venture

Understanding the coverages of your auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be confusing and reading a policy is terribly boring. Shown next are the normal coverages found on the average auto insurance policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, rock chips in glass, hitting a bird, vandalism and hitting a deer. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

This coverage covers damage to your Venture caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as driving through your garage door, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for funeral costs, hospital visits and ambulance fees. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverage

This provides protection from damage that occurs to other’s property or people in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like bail bonds, structural damage, funeral expenses, repair costs for stationary objects and medical services. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

In conclusion

We just presented a lot of ways to reduce 2003 Chevy Venture insurance prices online. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from the least-expected company. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive and Geico.

When you buy insurance online, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits only to regret that the small savings ended up costing them much more. Your goal should be to buy a smart amount of coverage for the lowest price while still protecting your assets.

Affordable insurance is possible on the web and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies do not offer online price quotes and most of the time these small insurance companies sell through independent agents.

Much more information about insurance can be read at these links: