1998 Chevrolet Chevy Van Insurance Rates

Looking for better car insurance rates? Shoppers have many options when shopping for the lowest priced Chevy Chevy Van insurance. You can either waste hours calling around to get rate comparisons or utilize the internet to get rate quotes.

There is a better way to buy car insurance and we’ll show you the proper way to get price quotes for a Chevy and obtain the cheapest rates from local insurance agents and online providers.

Vehicle Insurance Comparison

Finding a better price on insurance can be quick and easy. Consumers just need to take time comparing price quotes from different insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

The recommended way to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This easy form prevents you from having to do separate forms for every insurance company. One form submission gets you coverage quotes from multiple low-cost companies.It’s the quickest way to get rates.

A more time consuming way to find lower rates is to manually visit the website of each company and fill out their own quote form. For examples sake, we’ll assume you want comparison quotes from GEICO, 21st Century and Progressive. To find out each rate you need to visit each site and enter your policy data, which is why most consumers use the first method. To view a list of companies in your area, click here.

The hardest way to get comparison rates is to spend time driving to different agent offices. The internet has reduced the need for local agents unless you want the professional advice only provided by licensed agents. It is possible to obtain prices from the web and get advice from an agent in your area. We’ll cover that shortly.

Whichever way you use, make absolute certain that you use identical deductibles and coverage limits for each price quote. If you compare different limits and deductibles on each one then you won’t be able to decipher which rate is best.

Don’t believe everything you hear

Consumers constantly see and hear ads for car insurance savings by companies like State Farm and Allstate. They all make an identical promise about savings if you move to them.

How can each company claim to save you money? This is how they do it.

Insurance companies have a certain “appetite” for the driver that earns them a profit. For example, a desirable insured might be profiled as between 30 and 50, has no tickets, and has a short commute. A customer getting a price quote that hits that “sweet spot” will get very good rates and most likely will pay quite a bit less when switching companies.

Potential customers who do not match these standards will have to pay higher premiums and ends up with business going elsewhere. The ad wording is “customers who switch” not “everyone that quotes” save that kind of money. This is how insurance companies can confidently state the savings.

Because of the profiling, it’s extremely important to quote coverage with many companies. It is impossible to predict the company that will have the lowest Chevy Chevy Van insurance rates.

Pieces of the Chevy Chevy Van insurance rate puzzle

It’s important that you understand the different types of things that come into play when calculating your insurance rates. Knowing what determines base rates helps enable you to make changes that may reward you with much lower annual insurance costs.

The list below includes a few of the “ingredients” that factor into rates.

  • Better crash test results mean better rates – Safer cars can get you lower premiums. The safest vehicles reduce injuries and better occupant protection means lower claim amounts and more competitive rates for policyholders. If the Chevy Chevy Van scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Car features impact rates – Purchasing a vehicle with a theft deterrent system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
  • Don’t skimp on liability – Liability coverage will protect you if ever you are found to be at fault for personal injury or accident damage. Liability provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.
  • Pay less after the wedding – Getting married can actually save you money on your policy. Having a significant other means you’re more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.

Discounts on 1998 Chevy Chevy Van insurance

The price of auto insurance can be rather high, but there could be available discounts that many people don’t even know exist. Most are applied when you purchase, but a few must be specifically requested before they will apply. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Homeowners Discount – Owning a home may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Safety Course Discount – Taking a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Sign Early and Save – Some insurance companies reward drivers for switching policies before your current expiration date. It can save you around 10%.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Accident Waiver – Certain companies will forgive one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more for Chevy van insurance than their less cautious counterparts.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Senior Discount – Older drivers may qualify for better insurance rates for Chevy van insurance.
  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, companies wouldn’t make money that way. Any qualifying discounts will bring down the cost of coverage.

For a list of companies with discount insurance rates, click this link.

Tailor your coverage to you

When it comes to choosing coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered if I drive in a foreign country?
  • Can I afford low physical damage deductibles?
  • I have a DUI can I still get coverage?
  • Are my friends covered when driving my 1998 Chevy Chevy Van?
  • Do I benefit by insuring my home with the same company?
  • Am I covered if I hit a deer?
  • How does medical payments coverage work?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Auto insurance coverage information

Having a good grasp of a insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Liability insurance

This protects you from damage or injury you incur to a person or their property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like medical services, loss of income, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses such as dental work, surgery and ambulance fees. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, damage from flooding, damage from getting keyed, damage from a tornado or hurricane and a broken windshield. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage protection

This will pay to fix damage to your Chevy Van resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sideswiping another vehicle, hitting a parking meter, crashing into a building, colliding with a tree and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Be a smart shopper

People who switch companies do it for a variety of reasons including lack of trust in their agent, delays in paying claims, being labeled a high risk driver or delays in responding to claim requests. Regardless of your reason, finding a new company is easier than you think.

When trying to cut insurance costs, it’s not a good idea to buy less coverage just to save a little money. There have been many situations where an insured dropped liability coverage limits only to regret at claim time they didn’t have enough coverage. The proper strategy is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

We’ve covered many ideas to compare 1998 Chevy Chevy Van insurance prices online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding lower rates. You may be surprised to find that the most savings is with a small mutual company.

Much more information about auto insurance is located on the following sites: