Lower Your 1999 Chevrolet Venture Insurance Quotes

Trying to find cheaper auto insurance rates for your Chevrolet Venture? Searching for cheaper insurance for your Chevy Venture can turn out to be an all-consuming task, but you can learn our auto insurance buying tips to save time.

There are more efficient ways to find auto insurance online so we’re going to tell you the proper way to quote coverages for your Chevy and find the cheapest rates from both online companies and local agents.

You should take the time to get comparison quotes yearly because prices change frequently. Even if you think you had the lowest price for Venture insurance two years ago other companies may now be cheaper. There is a lot of wrong information about auto insurance on the internet, so we’re going to give you a bunch of ideas how to find affordable auto insurance.

Be sure to get all your discounts

Insuring your fleet can be pricey, but you can get discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you quote, but less common discounts must be inquired about before you will receive the discount. If you don’t get every credit possible, you’re paying more than you need to.

  • Senior Discount – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums for Venture insurance.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
  • Organization Discounts – Belonging to certain professional organizations could qualify you for a break when buying insurance for Venture insurance.
  • Drive Less and Save – Fewer annual miles on your Chevy could qualify for a substantially lower rate.
  • Good Student Discount – Getting good grades can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Driver Safety – Taking part in a driver safety course could possibly earn you a 5% discount if your company offers it.
  • Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts can receive discounts up to 30%.

Drivers should understand that most credits do not apply to the entire cost. The majority will only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way. Any amount of discount will cut your premiums.

Companies that may offer these money-saving discounts include:

Check with every prospective company how you can save money. Savings might not apply in your state.

Elements that influence Chevy Venture insurance rates

Smart consumers have a good feel for the different types of things that come into play when calculating the rates you pay for insurance. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that may reward you with better insurance rates.

  • Extra add-on coverages are wasting money – There are a ton of add-on coverages that can waste your money on your 1999 Venture policy. Coverages for personal injury protection, accident forgiveness and term life insurance are examples of these. These coverages may sound good initially, but if they’re wasting money eliminate them to save money.
  • Bundling policies can get discounts – The majority of companies give discounts to policyholders who have multiple policies with them such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even with this discount, it’s still a good idea to comparison shop to ensure the best deal.
  • Your stress level may be raising your rates – Did you know your job can affect your rates? Occupations such as real estate brokers, business owners and stock brokers tend to pay the highest rates because of high stress levels and long work days. On the other hand, jobs such as farmers, students and performers have the lowest average rates for Venture insurance.
  • Having a spouse can save you money – Getting married helps lower the price on insurance. Having a spouse translates into being more mature than a single person it has been statistically shown that married couples file fewer claims.
  • Frequent insurance claims increase rates – If you tend to file frequent claims, you can look forward to higher rates. Companies provide better rates to insureds who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of larger claims.
  • Your location is important – Choosing to live in a rural area has it’s advantages when it comes to insurance. Drivers in populated areas have to deal with congested traffic and longer commutes to work. Fewer people translates into fewer accidents.

How do I know if I need professional advice?

When choosing adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every situation is different.

For example, these questions might point out whether you would benefit from professional advice.

  • What is PIP insurance?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I covered if I drive in a foreign country?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered when driving in Canada or Mexico?
  • Will my insurance pay for OEM parts?
  • What is UM/UIM insurance?
  • Will my rates increase for filing one claim?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Can you really save $397 a year?

Consumers can’t get away from ads for cheaper car insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim that you’ll save big if you switch your policy.

How does each company make the same claim?

All the different companies have a certain “appetite” for the type of driver they prefer to insure. A good example of a profitable customer might be profiled as over the age of 40, a clean driving record, and chooses high deductibles. A customer who meets those qualifications is entitled to the best price and as a result will probably save a lot of money.

Potential customers who don’t qualify for this ideal profile will have to pay higher prices and ends up with the customer not buying. The ad wording is “drivers who switch” not “people who quote” save that much money. This is how companies can state the savings.

Because of the profiling, you absolutely need to compare many company’s rates. It’s just too difficult to predict which car insurance company will provide you with the cheapest Chevy Venture insurance rates.

Insurance coverages and their meanings

Understanding the coverages of insurance helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive insurance – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hail damage, hitting a deer, a broken windshield, damage from flooding and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive 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 coverages – Collision insurance will pay to fix damage to your Venture caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a building, scraping a guard rail, sustaining damage from a pot hole, colliding with another moving vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Coverage for liability – This coverage can cover injuries or damage you cause to other people or property in an accident. This coverage protects you from legal claims by others, and 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 might see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as emergency aid, medical services and legal defense fees. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for immediate expenses for doctor visits, prosthetic devices and dental work. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Shop smart and save

Drivers who switch companies do it for a number of reasons such as extreme rates for teen drivers, high prices, delays in paying claims and policy cancellation. No matter why you want to switch, switching companies is not as difficult as it may seem.

The cheapest 1999 Chevy Venture insurance can be found from both online companies in addition to many insurance agents, so you should be comparing quotes from both to have the best rate selection. Some companies do not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

We just covered quite a bit of information on how to reduce insurance prices online. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. You may even discover the lowest priced insurance coverage comes from the least-expected company.

More information can be found on the following sites: