1993 Chevrolet Sportvan Insurance Rates

Trying to find better car insurance rates for your Chevrolet Sportvan? Scraping up a payment for overpriced Chevrolet Sportvan insurance can empty your personal savings and put the squeeze on your family’s finances. Shopping your coverage around is a great way to lower your monthly bill.

Big-name insurance companies like GEICO, 21st Century and Progressive promote their brand names with advertising and it can be hard to ignore the promise of big savings and find the best price available.

It is always a good idea to do rate comparisons every six months since insurance rates change frequently. If you had the best rates on Sportvan coverage on your last policy you will most likely find a better rate today. Ignore everything you know about car insurance because you’re about to find out the quickest way to find better coverage at a better price.

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this strategy. Buying car insurance is easy if you know what you’re doing. Nevertheless, drivers should learn the way companies sell online.

Verify you’re getting all your discounts

Car insurance companies don’t always list all their discounts very clearly, so we break down both the well known as well as the least known insurance coverage savings.

  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Sign Early and Save – A few companies offer discounts for buying a policy before your current policy expires. It can save you around 10%.
  • Student in College – Kids in college who are attending college without a vehicle on campus may be able to be covered for less.
  • Discount for Life Insurance – Some companies give lower rates if you buy auto and life insurance together.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
  • Safety Course Discount – Taking part in a driver safety course can save you 5% or more if you qualify.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Federal Government Employee – Active or retired federal employment may qualify you for a discount on Sportvan coverage depending on your company.
  • Accident Waiver – A few companies allow you one accident without raising rates as long as you don’t have any claims for a set time period.

It’s important to understand that most of the big mark downs will not be given to the entire cost. Most only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, it just doesn’t work that way.

To see a list of insurance companies who offer insurance coverage discounts, follow this link.

When should I talk to an agent?

When it comes to choosing adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every situation is different so this has to be addressed. These are some specific questions can help discover whether you might need professional guidance.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered when delivering products for my home-based business?
  • Does coverage extend to a rental car in a foreign country?
  • How high should my medical payments coverage be?
  • Are my tools covered if they get stolen from my vehicle?
  • What are the best liability limits?

If it’s difficult to answer those questions, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance companies in your area.

Beware of misleading auto insurance ads

Companies like Progressive, GEICO, Allstate and State Farm continually stream ads on television and other media. All the ads have a common claim about savings after switching your policy. How does each company make almost identical claims? This is how they do it.

Different companies have a certain “appetite” for the type of customer they prefer to insure. An example of a profitable customer could be between 25 and 40, has no prior claims, and has great credit. A customer who fits that profile gets the lowest rates and most likely will save when switching.

Potential insureds who do not match this ideal profile will have to pay more money which leads to business not being written. The ads say “customers that switch” not “people who quote” save money. That’s why companies can truthfully advertise the savings. Because of the profiling, you should get as many quotes as possible. It’s not possible to predict which company will give you the biggest savings on Chevy Sportvan insurance.

Specifics of your insurance policy

Knowing the specifics of your policy can help you determine the right coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average insurance policy.

Liability auto insurance – Liability coverage provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: 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 $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like repair costs for stationary objects, legal defense fees and emergency aid. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for pain medications, dental work and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive or Other Than Collision – This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like theft, a tree branch falling on your vehicle, fire damage and falling objects. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision – Collision coverage will pay to fix damage to your Sportvan from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as rolling your car, sideswiping another vehicle, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Get your money’s worth

Low-cost 1993 Chevy Sportvan insurance can be purchased both online and with local insurance agents, so you should compare both so you have a total pricing picture. Some insurance providers do not offer online quoting and most of the time these small insurance companies sell through independent agents.

In this article, we presented quite a bit of information on how to get a better price on insurance. The key concept to understand is the more times you quote, the higher your chance of finding lower rates. You may even find the biggest savings come from some of the lesser-known companies. They can often insure niche markets at a lower cost than their larger competitors like State Farm, GEICO and Nationwide.

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