Trying to find cheaper auto insurance rates for your Chevrolet Venture? Nobody I know looks forward to paying for auto insurance, particularly when their premiums are too high.
There is such a variety of car insurance companies to pick from, and although it’s a good thing to have a selection, it makes it harder to locate the cheapest rates.
Finding the best rates is not that difficult. Basically, every driver who is shopping for insurance most likely will be able to lower their premiums. But consumers can benefit from knowing the methods companies use to compete online and take advantage of how the system works.
Performing a rate comparison can be a lot of work if you don’t utilize the easiest way. You can waste a lot of time driving to insurance companies in your area, or you could save time and use the web to maximize your effort.
Many insurance companies participate in a marketplace that allows shoppers to complete one form, and every company returns a rated price based on the submitted data. This saves time by eliminating form submissions for each company. To compare pricing click to open in new window.
The single downside to pricing coverage this way is you can’t choose the providers you want to price. So if you prefer to choose specific insurance companies to compare, we have a listing of companies who write insurance coverage in your area. Click here for list of insurance companies.
It’s your choice how you get your quotes, but be sure to compare identical information for every quote you compare. If you compare different values for each quote you can’t possibly make a fair comparison for your Chevy Venture. Quoting even small variations in limits can mean a large discrepancy in price. And when comparing insurance coverage rates, know that getting more free quotes provides better odds of finding lower pricing.
When choosing proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different so this has to be addressed. For example, these questions can help discover whether your personal situation might need an agent’s assistance.
If you don’t know the answers to these questions but you know they apply to you, you may need to chat with 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.
Having a good grasp of a insurance policy aids in choosing the right coverages for your vehicles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from insurance companies.
Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.
Liability insurance covers things such as emergency aid, court costs, legal defense fees, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.
Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like pain medications, rehabilitation expenses, chiropractic care and prosthetic devices. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible
This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers things such as damage from flooding, vandalism and fire damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Chevy Venture.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.
This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for claims like backing into a parked car, rolling your car, sideswiping another vehicle, hitting a parking meter and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.