Compare 1991 Chevrolet Sportvan Insurance Cost

Overpriced Chevrolet Sportvan insurance can take a big chunk out of your bank account and put a big crunch on your finances. Comparison shopping is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. Since consumers have many insurance companies to choose from, it is hard for the average consumer to locate the most cost effective car insurance company.

It’s a good habit to shop coverage around yearly since rates fluctuate regularly. Just because you had the best deal for Sportvan coverage on your last policy there is a good chance you can find better rates now. There is a lot of wrong information about auto insurance online, so we’re going to give you some good information on how to slash your auto insurance rates.

Buying car insurance is easy if you know what you’re doing. If you have car insurance now, you will most likely be able to cut costs considerably using these tips. Vehicle owners just need to know how to compare prices on the web.

The quickest way to compare rate quotes takes advantage of the fact most larger insurance companies allow for online access to give free rates quotes. To get started, all you need to do is provide details including whether you drive to work or school, deductibles desired, your education level, and your credit rating estimate. That rating information gets sent immediately to multiple top-rated companies and they provide comparison quotes immediately.

To check rates for your , click here and enter your zip code.

Is there truth in advertising?

Consumers can’t ignore all the ads that promise big savings from companies such as State Farm and Allstate. They all make an identical promise about savings if you switch your policy.

How can each company claim to save you money?

All the different companies have a certain “appetite” for the driver that makes them money. For example, a desirable insured might be profiled as over the age of 50, has no prior claims, and drives less than 10,000 miles a year. A customer that hits that “sweet spot” receives the best rates and therefore will save a lot of money.

Drivers who don’t qualify for these standards will have to pay higher rates which leads to the driver buying from a lower-cost company. The ad wording is “customers who switch” not “people who quote” save that much. That’s the way insurance companies can make those claims. Because of the profiling, it’s extremely important to get a wide range of price quotes. You cannot predict which insurance companies will have the lowest Chevy Sportvan insurance rates.

What determines your Chevy Sportvan insurance premium

Consumers need to have an understanding of the rating factors that come into play when calculating the price you pay for insurance coverage. Knowing what influences your rates enables informed choices that may reward you with much lower annual insurance costs.

The list below includes some of the items insurance coverage companies consider when setting rates.

  • Lower deductibles cost more – Your deductibles define the amount you are willing to pay out-of-pocket before your insurance coverage pays a claim. Coverage for physical damage, also known as collision and other-than-collision, insures against damage to your car. Examples of covered claims would be running into the backend of another car, damage from fire, or theft. The higher the amount you’re willing to pay, the lower your rates will be for Sportvan coverage.
  • Women pay lower rates – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that women are better drivers. Men and women have accidents at about the same rate, but the male of the species cause more damage. Men also tend to get cited for more serious violations such as reckless driving. Male drivers age 16 to 19 are the most expensive to insure and therefore have the most expensive insurance coverage rates.
  • A lapse in coverage is a bad thing – Driving without insurance is a misdemeanor and you will pay a penalty because you let your coverage have a gap. And not only will insurance be more expensive, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license.You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Theft deterrents lower rates – Purchasing a vehicle with an alarm system can save you a little every year. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.

Discounts can save BIG

Companies do not advertise all their discounts in a way that’s easy to find, so here is a list both the well known and the more hidden ways to save on car insurance. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Accident Free – Claim-free drivers can save substantially as compared to accident-prone drivers.
  • Own a Home – Owning a house may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Seat Belt Usage – Requiring all passengers to use their safety belts can save up to 15% off your PIP or medical payments premium.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you will save approximately 10% to 15%.
  • Discount for Swiching Early – Some companies give discounts for signing up prior to your current policy expiring. The savings is around 10%.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • One Accident Forgiven – Some insurance companies will forgive one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.

Drivers should understand that some of the credits will not apply to all coverage premiums. Most only cut individual premiums such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way.

Insurance companies that may have these money-saving discounts include:

Before buying, ask every prospective company what discounts are available to you. Some discounts might not be offered in your state.

Will just any policy work for me?

When it comes to choosing proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s needs are different and your policy should reflect that. For example, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • What discounts do I qualify for?
  • Do I need added coverage for expensive stereo equipment?
  • Do I need higher collision deductibles?
  • Can my babysitter drive my car?
  • What companies insure drivers after a DUI or DWI?
  • Will I lose any money if I cancel my policy before it expires?
  • Where can I find high-risk insurance?
  • Am I better off with higher deductibles on my 1991 Chevy Sportvan?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, free and can provide invaluable advice.

Coverages available on your policy

Knowing the specifics of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by insurance companies.

Comprehensive protection – This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, damage from getting keyed, fire damage, hail damage and rock chips in glass. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense coverage – Med pay and PIP coverage pay for expenses for things like prosthetic devices, X-ray expenses, funeral costs and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Collision – Collision insurance will pay to fix damage to your Sportvan caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as damaging your car on a curb, crashing into a ditch, colliding with another moving vehicle, rolling your car and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Liability insurance – This can cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s 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 things such as repair costs for stationary objects, loss of income, attorney fees, legal defense fees and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Chevy Sportvan.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Affordable insurance is out there

Cost effective 1991 Chevy Sportvan insurance can be purchased from both online companies and with local insurance agents, so you should compare both to have the best rate selection. Some insurance providers do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

We’ve covered many ways to save on insurance. The key concept to understand is the more providers you compare, the better likelihood of reducing your rate. You may even find the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. They may have significantly lower rates on certain market segments compared to the large companies like Allstate or State Farm.

Additional car insurance information is located at the links below