Searching for lower insurance rates for your Chevrolet Chevy Van Classic? Did you fall for a flashy sales pitch and buy overpriced insurance? Trust us when we tell you you’re not the only one.
Big-name insurance companies like Allstate and Progressive continually hit you with catchy ads and it can be hard to see through the cute green geckos and mayhem and take the time to shop coverage around.
All major car insurance companies like State Farm, Allstate and GEICO quote prices on their websites. Getting quotes is fairly straightforward as you simply type in the coverage amounts you desire into a form. After the form is submitted, their system sends out for information on your driving record and credit history and returns a price determined by many factors. Being able to quote online makes it a lot easier to compare rates but the process of having to visit different websites and type in the same information can be a bit tiresome and repetitive. But it is imperative to perform this step if you want to find better prices.
The better way to compare rates
The easiest way to compare rates makes use of a single form that gets prices from many companies. It saves time, helps eliminate reptitive entry, and makes rate comparisons a little more enjoyable. As soon as you send your information, it is quoted and you can select any one of the returned quotes.
If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The entire process can be completed in a matter of minutes and could lower your rates considerably.
If you want to find out what other companies charge, simply click here to open in new window and submit the form. If you have coverage now, it’s recommended you type in the insurance coverages exactly as shown on your declarations page. This helps ensure you’re receiving an apples-to-apples comparison for similar insurance coverage.
State Farm, Allstate and GEICO continually stream ads on TV and radio. All the companies make the same claim of big savings after switching to them. How can each company make the same claim? This is how they do it.
Insurance companies have a preferred profile for the right customer that is profitable for them. A good example of a driver they prefer might be profiled as a mature driver, owns a home, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications is entitled to the best price and as a result will probably save quite a bit of money when switching.
Drivers who do not match the requirements will be quoted a more expensive rate which leads to the customer not buying. The ads say “customers that switch” not “people who quote” save that much. That’s the way companies can claim big savings.
This emphasizes why it’s extremely important to get a wide range of price quotes. It’s not possible to predict which insurance companies will give you the biggest savings on Chevy Chevy Van Classic insurance.
Car insurance is not cheap, buy you may qualify for discounts to help bring down the price. Most are applied at quote time, but a few must be specially asked for before being credited.
Consumers should know that most discounts do not apply the the whole policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, companies wouldn’t make money that way. Any qualifying discounts will cut the amount you have to pay.
For a list of insurance companies with the best auto insurance discounts, follow this link.
When it comes to choosing coverage, there really is not a cookie cutter policy. Every situation is different so your insurance needs to address that. Here are some questions about coverages that could help you determine whether or not you would benefit from an agent’s advice.
If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.
Learning about specific coverages of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are the usual coverages offered by insurance companies.
Collision coverage protection
This will pay to fix damage to your Chevy Van Classic caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for things like crashing into a ditch, colliding with a tree, sustaining damage from a pot hole and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.
Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like vandalism, damage from flooding, rock chips in glass and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist (UM/UIM)
This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently these coverages are identical to your policy’s liability coverage.
Liability auto insurance
This coverage protects you from damage that occurs to other’s property or people in an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage pays for things like funeral expenses, structural damage, bail bonds and medical expenses. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP kick in for immediate expenses for things like pain medications, funeral costs, X-ray expenses and EMT expenses. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
We covered many ways to save on 1996 Chevy Chevy Van Classic insurance. It’s most important to understand that the more providers you compare, the better your comparison will be. You may be surprised to find that the best price on insurance coverage is with a small local company. These companies can often provide lower rates in certain areas as compared to the big name companies such as Progressive and GEICO.
Cheaper insurance can be found on the web in addition to many insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.