Compare 1991 Chevrolet R/V 3500 Series Insurance Rates

Want lower insurance rates for your Chevrolet R/V 3500 Series? Do you get overwhelmed by the crazy number of insurance sources that you can choose from? Lot’s of other drivers are too. There are so many choices that it can be a burden to lower your rates.

Finding the lowest cost car insurance is quite easy. Just about every vehicle owner who has to buy car insurance will most likely be able to find lower rates. Although vehicle owners should learn how insurance companies market on the web and use this information to your advantage.

Why your insurance rates might be higher

Part of the insurance coverage buying process is learning some of the things that aid in calculating the level of your policy premiums. When you know what positively or negatively impacts premium levels, this allows you to make educated decisions that can help you get much lower annual insurance costs.

The list below includes most of the major factors used by insurance companies to determine your prices.

• Stay claim-free and save money – Insurance companies award the lowest premiums to drivers that do not abuse their auto insurance. If you tend to file frequent claims, you can definitely plan on increased rates or even have your policy non-renewed. Your car insurance is designed for larger claims.
• Rural vs Urban Areas – Living in less populated areas of the country is a positive aspect when it comes to insurance coverage. Drivers in populated areas have more aggressive driving styles and more severe claims. Fewer people means fewer accidents in addition to lower liability claims
• Save money by eliminating extra coverages – There are a lot of extra add-on coverages that may not really be needed but may not be useful. Insurance for roadside assistance, accident forgiveness, and additional equipment coverage may be wasting your money. You may think they are a good idea when buying your policy, but if you’ve never needed them in the past consider taking them off your policy.
• Cheaper to insure women? – The statistics show that women are safer drivers than men. However, don’t assume that women are better drivers. Both sexes are responsible for at-fault accidents at a similar rate, but guys have accidents that have higher claims. Men also tend to receive more costly citations like driving under the influence (DUI). Young males are several times more likely to be in an accident and therefore have the most expensive insurance coverage rates.

How to compare insurance coverage quotes

All the larger insurance coverage companies like State Farm, Allstate and Geico allow you to get coverage price quotes on their websites. Doing online price comparisons is very simple because you just enter your coverage information on the page. After you submit the form their system makes automated requests for your driving record and credit report and generates a price based on the data you entered.

Online quotes makes it simple to compare prices but the time required to go to a lot of sites and complete many quote forms is not the best way to spend an afternoon. Unfortunately, it is important to have as many quotes as possible if you want to find the best price on insurance coverage.

The better way to compare rates

A better way to lower your rates is to use a quote form to get prices from several different companies. It’s a real time-saver, requires less work, and makes online quotes a little more enjoyable. After your information is entered, it is rated and you can choose your choice of the quotes returned.

If you find a better price you can click and sign and buy the new coverage. It just takes a couple of minutes and you will know how your current rates stack up.

To save time and compare rates using this form now, click here to open in a new tab and begin entering your coverage information. To compare your current rates, we recommend you complete the form with deductibles and limits identical to your current policy. Doing this guarantees you’re receiving a rate comparison for the exact same coverage.

Insurance coverage rates and discounts

The cost of insuring your cars can be expensive, but there are discounts available that you may not even be aware of. A few discounts will automatically apply when you quote, but a few must be specially asked for prior to getting the savings.

• Safety Course Discount – Taking part in a safe driver course could cut 5% off your bill and easily pay for the cost of the class.
• Early Payment Discounts – If you pay your bill all at once instead of paying each month you could save up to 5%.
• Own a Home – Owning your own home or condo may earn you a small savings since owning and maintaining a home requires a higher level of personal finance.
• College Student – who are attending college and do not have access to a covered vehicle can receive lower rates.
• Multi-policy Discount – If you can bundle your auto and homeowners insurance with the same insurance company they may give you a discount of up to 20% off your total premium.
• One Accident Forgiven – but a handful of insurance companies permit an accident before they charge you more for coverage with the catch being you have to be claim-free before the accident.
• No Claims – Good drivers with no accidents pay much less in comparison to policyholders that have many claims.
• Senior Discount – Mature drivers are able to get reduced rates for R/V Series coverage.
• ABS Brakes – Cars, trucks, and SUVs equipped with ABS or steering control can stop better under adverse conditions so companies give up to a 10% discount.
• Student Discount for Driver Training – Require your teen driver to participate in a local driver’s education class if it’s offered in school.

Just know that many deductions do not apply to the entire cost. Most only reduce specific coverage prices like comp or med pay. Just because you may think all the discounts add up to a free policy, it just doesn’t work that way. Any amount of discount should help reduce the amount you have to pay.

A few companies who may offer these money-saving discounts include:

• Travelers
• 21st Century
• State Farm
• Geico
• SAFECO
• AAA

If you need cheap car insurance quotes, ask each insurance company how many discounts you can get. Some of the discounts discussed earlier may not apply to policies in your area. If you would like to choose from a list of insurance coverage companies who offer discounts, click this link.

Situations that may require an agent’s advice

When it comes to buying adequate coverage for your vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight if your insurance needs would benefit from professional advice.

• Does having multiple vehicles earn me a discount?
• Am I missing any policy discounts?
• Does liability extend to a camper or trailer?
• Why do I need rental car insurance?
• Can I afford to pay high deductible claims out of pocket?
• Is upholstery damage covered by car insurance?
• How much can I save by bundling my policies?
• Does my medical payments coverage pay my health insurance deductible?
• Do I have any recourse if my insurance company denies a claim?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form.

Coverages available on your insurance policy

Knowing the specifics of your policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Comprehensive coverage

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

Comprehensive coverage pays for claims such as rock chips in glass, hitting a deer, fire damage and a broken windshield. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

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. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are set the same as your liablity limits.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for expenses for X-ray expenses, funeral costs, nursing services, EMT expenses and hospital visits. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision coverage protection

This pays for damage to your R/V 3500 Series from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like sideswiping another vehicle, sustaining damage from a pot hole and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Auto liability insurance

Liability insurance provides protection from damage that occurs to other’s property or people in an accident. This coverage protects you against claims from other people, 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. Your policy might show liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims like loss of income, legal defense fees, attorney fees and pain and suffering. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Don’t be a big spender

Throughout this article, we presented a lot of ways to lower your 1991 Chevy R/V 3500 Series insurance car insurance rates. The most important thing to understand is the more companies you get premium rates for, the better your comparison will be. Consumers could even find that the best car insurance rates are with a lesser-known regional company.

More affordable insurance coverage can be found on the web and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies may not have online price quotes and these smaller companies prefer to sell through independent agencies.

When buying insurance coverage, you should never buy poor coverage just to save money. There are many occasions where an insured cut liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at the best possible price and still be able to protect your assets.

More learning opportunities

• Rental Car Insurance Tips (Insurance Information Insitute)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Liability Insurance Coverage (Nationwide)