1990 Chevrolet Chevy Van Car Insurance Quotes – 10 Tips for Best Rates

Consumers have many options when looking for affordable Chevy Chevy Van insurance. You can either spend your time driving around trying to get quotes or utilize the internet to get rate quotes.

There are more efficient ways to find insurance coverage online so you’re going to learn the absolute fastest way to get price quotes for a Chevy and obtain the lowest possible price from both online companies and local agents.

The purpose of this article is to let you in on how to effectively get price quotes and some money-saving tips. If you currently have car insurance, you will be able to reduce your rates substantially using these tips. Drivers just need to know the proper methods to get comparison quotes on the web.

Quote insurance coverage online

Getting low cost 1990 Chevy Chevy Van insurance coverage pricing is an easy way to save money. You just have to take time to get quotes online from several insurance companies. It’s really simple and can be done by using one of the methods below.

1. The recommended way to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This easy form saves time by eliminating separate quotation requests for every company. A single, simple form gets rate comparisons from several companies. This is by far the quickest method.
2. A less efficient way to analyze rates requires a visit to the website of each company and fill out a new quote form. For instance, let’s assume you are doing a rate comparison from Progressive, Geico and Allstate. You would have to visit each site and punch in your information repeatedly, and that explains why we recommend the first method. For a list of links to insurance companies in your area, click here.
3. Even if you have time, the least recommended method to get price estimates to insurance agencies in your area. The ability to get quotes online can eliminate the need for a local agent unless you’re the type of person who wants the guidance of an agent trained in personal lines coverage. You can, however, obtain prices from the web but buy from a local insurance agent.

The approach you take is up to you, just compare equivalent coverages for each comparison quote. If the quotes have different coverage information you can’t possibly determine which rate is truly the best.

Misconceptions in insurance advertisements

Drivers can’t avoid all the ads that claim the best premium rates by companies like State Farm, Geico and Progressive. All the ads advertise claims that you’ll save big after switching your policy.

How does every company sell you cheaper insurance coverage?

All companies have strict underwriting profiles for the type of driver that will most likely be profitable. An example of a desirable risk might be over the age of 40, owns a home, and has excellent credit. Any driver that fits those parameters may get the lowest rates and have a good chance to save money with a new company.

Drivers who cannot meet those standards will probably have to pay higher premium rates which leads to the driver buying from a lower-cost company. If you listen closely, the ads state “drivers who switch” but not “everyone who gets a quote” save the amount stated. That is how insurance companies can lure you into getting a quote.

Each company has different criteria, so drivers should compare free auto insurance quotes often. It’s just not possible to know which insurance companies will have the lowest prices for your situation.

Find hidden discounts to get affordable auto insurance rates

Companies that sell car insurance don’t necessarily list every possible discount very clearly, so we break down some of the more common and the more hidden discounts that you can inquire about if you buy auto insurance online.

• First Accident Forgiveness – but some insurance companies will let one accident slide before your rates go up with the catch being you have to be claim-free prior to being involved in the accident.
• Professional Organizations – Being in a qualifying organization is a good way to get lower rates when getting a auto insurance quote.
• Include Life Insurance and Save – Not all insurance companies offer life insurance, but some may give you a discounted rate on car insurance if you buy life insurance.
• Student Discounts – Getting good grades can earn a discount of 20% or more. You can use this discount normally up until you turn 25.
• Federal Government Employee – Employees or retirees of the government could qualify for a slight premium decrease on Chevy van insurance but check with your company.
• Telematics Discount – Policyholders that allow their company to track when and where they use their vehicle by using a telematics device such as Progressive’s Snapshot could see a rate decrease if their driving habits are good.
• Bundle and Save – When you have multiple policies with the same insurance company you could get a discount of as much as 10 to 15 percent.
• Online Discount – A few larger companies will discount your bill up to fifty bucks shop auto insurance on the internet.
• Discount for Swiching Early – Some larger companies give discounts for switching policies before your current expiration date. The savings is around 10%.
• Senior Discount – Mature drivers can possibly qualify for reduced rates on Chevy van insurance.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most only cut individual premiums such as collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, it’s just not the way it works.

If you would like to choose from a list of auto insurance companies who offer discounts, follow this link.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage, there is no one size fits all plan. Every insured’s situation is different.

For instance, these questions could help you determine if you would benefit from an agent’s advice.

• Does my liability insurance cover pulling a trailer or camper?
• If I drive on a suspended license am I covered?
• Is my custom paint covered by insurance?
• Do I need PIP (personal injury protection) coverage in my state?
• How much liability do I need to cover my assets?
• What discounts do I qualify for?
• Do I have any recourse if my insurance company denies a claim?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Insurance coverages explained

Having a good grasp of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a deer, rock chips in glass, hail damage and vandalism. The maximum 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 removing comprehensive coverage.

Collision coverage

Collision coverage will pay to fix damage to your Chevy Van resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a mailbox, sideswiping another vehicle, backing into a parked car and rolling your car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for expenses for dental work, doctor visits and hospital visits. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverages

This coverage will cover damage or injury you incur to other’s property or people that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like loss of income, repair costs for stationary objects, bail bonds and medical expenses. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Money doesn’t grow on trees

As you shop your coverage around, it’s a bad idea to reduce needed coverages to save money. Too many times, someone dropped comprehensive coverage or liability limits to discover at claim time that it was a big mistake. The goal is to get the best coverage possible at the lowest possible cost, but do not sacrifice coverage to save money.

Drivers switch companies for a variety of reasons including delays in paying claims, lack of trust in their agent, questionable increases in premium or even extreme rates for teen drivers. It doesn’t matter why you want to switch finding a great new company is pretty easy and you might even save some money in the process.

In this article, we covered a lot of information how to save on 1990 Chevy Chevy Van insurance. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Consumers may even find the best rates are with a smaller regional carrier.

To read more, feel free to visit the articles below:

• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)