1997 Chevrolet Chevy Van Insurance Rates

Want cheaper insurance coverage rates? Drivers have many options when trying to find the best price on Chevy Chevy Van insurance. They can either waste time struggling with agents to compare prices or utilize the internet to make rate comparisons.

There is a better way to find insurance coverage online and you need to know the best way to quote coverages for a new or used Chevy and obtain the best price possible from local insurance agents and online providers.

You should take the time to shop coverage around on a regular basis because rates tend to go up over time. If you had the best price on Chevy van insurance a year ago the chances are good that you can find a lower rate today. So forget all the misinformation about insurance coverage because you’re going to learn the things you must know in order to save on insurance coverage.

If you have a current insurance policy or are shopping for new coverage, you can learn to get lower rates and possibly find even better coverage. The purpose of this post is to teach you how to effectively get price quotes. Vehicle owners only need an understanding of the proper way to compare company rates over the internet.

Discounts to lower Chevy Chevy Van insurance rates

Insurance can be prohibitively expensive, but there could be available discounts that you may not even be aware of. Most are applied at the time of purchase, but some must be asked for before you get the savings. If you’re not getting every credit available, you’re just leaving money on the table.

  • Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates on Chevy van insurance than drivers with accident claims.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Multiple Vehicles – Buying insurance for multiple vehicles on the same insurance coverage policy qualifies for this discount.

It’s important to note that many deductions do not apply the the whole policy. Some only reduce specific coverage prices like liability and collision coverage. Just because it seems like adding up those discounts means a free policy, companies wouldn’t make money that way. But any discount will bring down your premiums.

For a list of insurance companies who offer insurance coverage discounts, click here.

Insurance Comparisons

Finding lower insurance rates doesn’t have to be difficult. The only thing you need to do is spend a few minutes on the computer getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The single most time-saving way to find low rates is a comparison rater form (click to open form in new window). This method prevents you from having to do a different quote for each company you want a rate for. One form will get you price quotes from insurance companies with the best prices. This is perfect if you don’t have a lot of time.

A different way to obtain and compare quotes online requires a trip to each individual company website and fill out their own quote form. For instance, let’s assume you want comparison quotes from GEICO, Allstate and Farmers. To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

The least efficient method of getting rate comparisons is to drive around to local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you have a need for the trained guidance only provided by licensed agents. You can, however, compare online quotes but buy from a local insurance agent.

However you get your quotes, double check that you are using the exact same quote information on every quote you get. If you are comparing unequal deductibles or liability limits you can’t possibly decipher which rate is best.

Tailor your coverage to you

When choosing adequate coverage for your vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover if your situation will benefit from professional help.

  • Does my policy pay for OEM or aftermarket parts?
  • Do I pay less if my vehicle is kept in my garage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need replacement cost coverage on my 1997 Chevy Chevy Van?
  • Am I covered if I crash into my own garage door?
  • Do I need added coverage for expensive stereo equipment?
  • Are there companies who specialize in insuring high-risk drivers?
  • Can I get a multi-policy discount?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

Auto insurance coverage information

Learning about specific coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Auto collision coverage

Collision insurance will pay to fix damage to your Chevy Van from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as rolling your car, colliding with another moving vehicle, backing into a parked car, crashing into a building and colliding with a tree. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Chevy Van.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages are set the same as your liablity limits.

Coverage for liability

This coverage protects you from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU from claims by other people. It does not 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 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as emergency aid, medical services and pain and suffering. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as pain medications, rehabilitation expenses, ambulance fees and surgery. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage 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 coverage pays for things like fire damage, damage from a tornado or hurricane and a tree branch falling on your vehicle. The highest amount 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.

What is YOUR best insurance company?

As you prepare to switch companies, it’s very important that you do not reduce needed coverages to save money. There have been many situations where drivers have reduced liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage for the lowest price while not skimping on critical coverages.

Drivers who switch companies do it for any number of reasons including policy non-renewal, delays in paying claims, being labeled a high risk driver and even poor customer service. It doesn’t matter why you want to switch finding a new car insurance company is pretty easy and you might even save some money in the process.

We just presented quite a bit of information on how to get a better price on 1997 Chevy Chevy Van insurance. The key concept to understand is the more times you quote, the better your chances of lowering your rates. You may be surprised to find that the lowest premiums are with a lesser-known regional company.

Additional learning opportunities