Overwhelmed by the dozens of insurance choices? Many other consumers are too. Drivers have so many options available that it can quickly become a real hassle to find better rates.
To find the best auto insurance prices, there are several ways to compare rate quotes from auto insurance companies in your area. The fastest way to find the cheapest 2005 Chevy Uplander insurance rates is simply to get online rate quotes. This can be accomplished in a couple of different ways.
It’s your choice how you get your quotes, but compare apples-to-apples coverages and limits on every quote you get. If your comparisons have higher or lower deductibles it will be next to impossible to determine the lowest rate for your Chevy Uplander. Just a small difference in coverages can make a big difference in price. Keep in mind that comparing a large number of companies will improve the odds of getting better pricing.
When choosing proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique.
For example, these questions may help you determine whether or not you could use an agent’s help.
If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form.
Learning about specific coverages of a auto insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.
Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.
This coverage will cover damage or injury you incur to other’s property or people. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.
Liability can pay for claims like court costs, bail bonds, pain and suffering, structural damage and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.
Comprehensive (Other than Collision)
Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as hitting a bird, theft, falling objects, a tree branch falling on your vehicle and a broken windshield. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
This coverage will pay to fix damage to your Uplander resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers claims like colliding with a tree, scraping a guard rail, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.
Medical expense insurance
Coverage for medical payments and/or PIP kick in for short-term medical expenses for pain medications, doctor visits and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible