Lower Your 1990 Chevrolet Sportvan Car Insurance Rates

Locating better insurance prices for a new or used Chevy Sportvan can be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to compare car insurance rates so you’re going to learn the quickest way to get price quotes for a new or used Chevy and locate the best price possible either online or from local insurance agents.

It’s a good habit to check car insurance prices occasionally because car insurance rates are constantly changing. If you had the best premium rates on Sportvan insurance a year ago you can probably find a lower rate today. Block out anything you think you know about car insurance because we’re going to demonstrate one of the easiest ways to buy cheaper car insurance.

If you have a current insurance policy or need new coverage, you can use this information to cut your premiums and still get good coverage. Buying cheaper insurance coverage is not that difficult. Drivers only need to know the most effective way to shop their coverage around online.

Discounts for cheap insurance rates

Some insurance providers don’t list every discount in an easy-to-find place, so the list below contains both the well known as well as some of the hidden credits available to lower your premiums when you buy car insurance online.

• Life Insurance Discount – Not all companies offer life insurance, but some may give you lower premium rates if you buy some life insurance in addition to your auto policy.
• Discounts for Safe Drivers – Drivers without accidents can save up to 40% or more on their car insurance quote on Sportvan insurance as compared to drivers with claims.
• Save over 55 – Seniors may receive a small decrease in premiums on Sportvan insurance.
• Early Renewal Discounts – Select companies give a discount for renewing your policy before your current expiration date. You may see this discount when you get car insurance quotes online.
• No Claims – Good drivers with no accidents pay much less in comparison with bad drivers.
• Auto/Home Discount – When you have multiple policies and place coverage with the same company you could get a discount of as much as 10 to 15 percent.
• Accident Waiver – This isn’t a discount exactly, but companies like Progressive, State Farm and Geico will turn a blind eye to one accident without the usual rate increase so long as you are claim-free for a set time period.
• Passenger Safety Discount – Cars that have air bags or motorized seat belts may earn rate discounts of more than 20%.
• Good Grades Discount – Excelling in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
• College Student Discount – Children who live away from home at college and do not take a car to college could qualify for this discount.

Consumers should know that most discounts do not apply to the entire cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, it’s just not the way it works.

Large insurance companies and the discounts they provide are included below.

• Progressive offers discounts including online quote discount, multi-policy, good student, continuous coverage, multi-vehicle, and homeowner.
• AAA policyholders can earn discounts including AAA membership discount, multi-car, education and occupation, good driver, and multi-policy.
• Farmers Insurance includes discounts for distant student, mature driver, teen driver, pay in full, youthful driver, homeowner, and electronic funds transfer.
• Geico discounts include seat belt use, defensive driver, emergency military deployment, driver training, military active duty, multi-vehicle, and five-year accident-free.
• Esurance offers premium reductions for emergency road assistance, DriveSense, anti-lock brakes, homeowner, defensive driver, and online shopper.
• SAFECO may include discounts for teen safe driver, safe driver, anti-theft, accident prevention training, bundle discounts, homeowner, and teen safety rewards.
• State Farm offers discounts for student away at school, good driver, multiple policy, good student, driver’s education, defensive driving training, and multiple autos.

Check with each insurance company which credits you are entitled to. Some of the discounts discussed earlier may not apply to policyholders in your area.

Compare insurance rates

Most of the larger companies allow you to get prices on their websites. Doing online quotes is fairly simple as all you need to do is type in your required coverages into a form. Upon sending the form, the quote system collects your driving record and credit report and quotes a price.

Quoting online makes comparing rates easy, but the time it takes to visit several different sites and fill out multiple forms is a big time waster. But it’s absolutely necessary to have as many quotes as possible if you want to get a lower rate.

There is an easier way to compare rates

A more efficient way to lower your rates is to use a quote form to get prices from more than one company. This type of form saves time, requires less work, and makes online price comparison much easier to do. Once the form is submitted, your coverage is rated with multiple companies and you can pick your choice of the quote results. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. This process can be completed in a matter of minutes and you will find out if you’re overpaying now.

In order to use this form to compare rates, simply click here to open in new window and fill out the form. To compare your current rates, we recommend you replicate coverages and limits exactly as they are listed on your policy. This helps ensure you will have comparison quotes for similar insurance coverage.

Smart consumers can lower their insurance prices

Part of the insurance buying process is learning a few of the rating criteria that help determine the rates you pay for insurance. If you understand what influences your rates, this enables informed choices that could result in lower premium levels. Many different elements are part of the calculation when pricing auto insurance. A few of the factors are predictable like your driving record, but other criteria are not quite as obvious like your continuous coverage or your vehicle rating.

The list below includes some of the most rate-impacting factors that factor into your premiums.

• Higher physical damage deductibles cost less – Deductibles for physical damage are how much the insured will be required to pay before a claim is paid by your company. Coverage for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some examples of claims that would be covered could be collision with another vehicle, collision with a deer, and damage caused by road hazards. The higher the amount you’re willing to pay, the lower your rates will be on Sportvan insurance.
• Bad credit will cost you – An insured’s credit score is a large factor in your rate calculation. Drivers with high credit ratings tend to be better drivers and file fewer claims than drivers with poor credit. If your credit history leaves room for improvement, you could save money insuring your 1990 Chevrolet Sportvan by improving your credit score.
• Tickets and citations cost more than a fine – Being a careful driver has a lot to do with how much you pay for insurance. Having a single citation can increase rates twenty percent or more. Drivers with clean records get better prices compared to drivers with tickets. Drivers who get careless violations such as reckless driving or DUI may find they need to complete a SR-22 with their state’s department of motor vehicles in order to prevent a license revocation.
• Can a thief steal your car? – Choosing a vehicle with anti-theft technology or alarm system can earn a premium discount. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft and help bring rates down.
• Never go without insurance – Not having insurance can get your license suspended and as a result your rates will increase for letting your insurance lapse for non-payment. In addition to paying higher premiums, getting caught without coverage could earn you a hefty fine and possibly a revoked license.
• Male prices may be higher – Over time, data shows that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Both sexes tend to get into accidents at about the same rate, but the males cause more damage and cost insurance companies more money. Not only that, but men also have more aggressive citations like DWI (DUI) or reckless driving.

You may need specialized car insurance coverage

When it comes to choosing the best car insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions can help discover whether or not you may require specific advice.

• Can I make deliveries for my home business?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Can I afford to buy a different vehicle if my 1990 Chevy Sportvan is totaled?
• What is the difference between comprehensive and collision coverage?
• Can I rate high risk drivers on liability-only vehicles?
• Do I have coverage for damage caused while driving under the influence?
• Do I need medical payments coverage since I have good health insurance?
• Do I have newly-aquired coverage?
• Where can I find high-risk insurance?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage basics

Learning about specific coverages of a auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring.

Auto collision coverage

Collision coverage will pay to fix damage to your Sportvan from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sustaining damage from a pot hole, damaging your car on a curb and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Liability coverage

This will cover damages or injuries you inflict on a person or their property in an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like funeral expenses, pain and suffering, medical expenses, legal defense fees and medical services. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like ambulance fees, hospital visits, surgery, chiropractic care and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Chevy Sportvan.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverage

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, hitting a deer and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Find Good Coverage for Less

When trying to cut insurance costs, it’s very important that you do not buy poor coverage just to save money. Too many times, an accident victim reduced full coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase a proper amount of coverage at the best price, but do not sacrifice coverage to save money.

You just read a lot of ways to reduce 1990 Chevy Sportvan insurance car insurance rates online. The key thing to remember is the more rate comparisons you have, the better likelihood of getting the cheapest car insurance. Consumers could even find that the best price on insurance is with some of the lesser-known companies.

Drivers switch companies for any number of reasons including poor customer service, high rates after DUI convictions, unfair underwriting practices or delays in paying claims. It doesn’t matter why you want to switch finding a new insurance company is pretty easy and you might even save some money in the process.

Additional detailed information is available in the articles below:

• Distracted Driving (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)