Cheaper 1992 Chevrolet Sportvan Car Insurance Rates

Searching for lower insurance rates for your Chevrolet Sportvan? Baffled by the dozens of insurance providers available to you? Consumers have such a vast assortment of providers available that it can really be a ton of work to find a cheaper company.

The purpose of this article is to let you in on the most effective way to quote insurance and some tips to save money. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these tips. Although drivers need to have an understanding of the way insurance companies compete online because it can help you find the best coverage.

Double check you’re getting with these discounts

Insurance can cost an arm and a leg, but you may qualify for discounts that could drop your premiums quite a bit. Some of these disounts will be visible when you complete an application, but some discounts are required to be manually applied prior to receiving the credit.

• College Student Discount – Kids who live away from home to go to college and do not have access to a covered vehicle may qualify for this discount.
• Paperwork-free – A few insurance companies provide a small discount for buying your policy online.
• Multiple Cars – Drivers who insure primary and secondary vehicles on one policy qualifies for this discount.
• Good Student – Being a good student can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
• Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.

One thing to note about discounts is that most credits do not apply to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, you aren’t that lucky.

Large insurance companies and a summarized list of policyholder discounts are:

• Geico has discounts for emergency military deployment, daytime running lights, five-year accident-free, membership and employees, air bags, and military active duty.
• MetLife includes discounts for good student, claim-free, accident-free, defensive driver, good driver, and multi-policy.
• State Farm may offer discounts for driver’s education, passive restraint, Drive Safe & Save, safe vehicle, accident-free, anti-theft, and good student.
• Progressive offers discounts including good student, homeowner, multi-vehicle, online quote discount, and continuous coverage.
• Mercury Insurance discounts include age of vehicle, anti-theft, accident-free, professional/association, and type of vehicle.
• 21st Century may include discounts for driver training, anti-lock brakes, teen driver, student driver, air bags, and homeowners.
• Allstate policyholders can earn discounts including senior citizen, premier plus, early signing, FullPay discount, EZ pay plan discount, anti-theft, and teenSMART discount.

Double check with all the companies which discounts you may be entitled to. Some discounts may not be available in your area.

How car insurance companies calculate Chevy Sportvan insurance costs

An important part of buying insurance is that you know a few of the rating criteria that come into play when calculating the level of your policy premiums. When consumers understand what influences your rates, this allows you to make good choices that may result in lower car insurance prices. Many different elements are taken into consideration when you get your auto insurance bill. Some factors are common sense such as traffic violations, but others are not quite as obvious like where you live or how safe your car is.

The items below are some of the things used by your company to calculate your rates.

• Your address can affect price – Having an address in less populated areas has definite advantages when insuring your vehicles. People who live in big cities have to deal with more traffic problems and more time behind the wheel. Fewer people means less chance of accidents as well as less vandalism and auto theft.
• Frequent policy claims increase car insurance rates – If you file a lot of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Insurance companies provide lower rates to people who are claim-free. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
• Lower stress equals lower prices – Do you have a high-stress occupation? Occupational choices like fire fighters, executives and medical professionals tend to have higher average rates in part from high stress and extremely grueling work hours. On the flip side, careers such as farmers, historians and the unemployed have the lowest average rates on Sportvan coverage.
• Miles driven impacts rates – The more you drive your Chevy every year the higher the price you pay to insure it. Most insurance companies price each vehicle’s coverage partially by how you use the vehicle. Cars left parked in the garage qualify for better rates than vehicles that have high annual mileage. Ask your agent if your car insurance coverage is showing the correct driver usage, because it can save money. Improper usage on your Sportvan may be costing you.
• Safer the car lower the rate – Cars with high safety ratings cost less to insure. Highly rated vehicles protect occupants better and fewer injuries means your insurance company pays less and lower rates for you. If your Chevy Sportvan has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
• Only buy coverage you need – There are many additional coverages that you can get tricked into buying when buying car insurance. Things like rental car reimbursement, accidental death, and motor club memberships are probably not needed. These coverages may sound good when you first buy your policy, but if you’ve never needed them in the past consider taking them off your policy.
• Married drivers pay lower rates – Walking down the aisle may earn you lower rates compared to being single. Having a spouse means you’re more mature and responsible and statistics show drivers who are married are more cautious.
• Careless drivers pay higher premiums – Only having one chargable violation can increase rates forty percent or more. Attentive drivers get better rates than people who have multiple driving citations. People who have dangerous violations such as DWI, reckless driving or hit and run convictions might be required by their state to maintain a SR-22 to the state department of motor vehicles in order to legally drive.

Your situation helps dictate your coverage

When it comes to choosing the best insurance coverage coverage for your vehicles, there really is no “perfect” insurance plan. Every situation is different.

These are some specific questions might help in determining if your situation might need an agent’s assistance.

• What is high-risk coverage and where do I buy it?
• What is the ISO rating for a 1992 Chevy Sportvan?
• How can I find cheaper teen driver insurance?
• Is my state a no-fault state?
• Do I need medical payments coverage since I have good health insurance?
• Will my rates increase for filing one claim?
• When do I need to add a new car to my policy?
• Is there coverage for injuries to my pets?
• When should my teen driver be added to my policy?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form.

Insurance savings promises

Respected companies like Geico, State Farm and Progressive endlessly run television and radio advertisements. All the ads make the same claim that people will save after switching your coverage to them. It sounds good, but how can they all offer drivers better rates? It’s all in the wording.

Most companies have underwriting criteria for the type of insured that will most likely be profitable. A good example of a profitable risk profile may need to be over age 30, has a clean driving record, and drives a car with an anti-theft system. Any person who fits those characteristics will probably get the lowest prices and most likely will save when switching.

Consumers who do not fit these stringent criteria will be quoted a higher rate with the end result being business not being written. If you listen closely, the ads state “people who switch” not “all people who quote” save that much when switching. This is how insurance companies can advertise the way they do.

Different companies use different criteria so you really need to do a price quote comparison at every renewal. You cannot predict with any certainty which company will provide you with the cheapest car insurance rates.

Specific coverage details

Understanding the coverages of your policy helps when choosing appropriate coverage for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverage

Liability insurance protects you from damage or injury you incur to a person or their property. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims like legal defense fees, bail bonds and attorney fees. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like damaging your car on a curb, driving through your garage door, sideswiping another vehicle, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as prosthetic devices, X-ray expenses, pain medications and dental work. They are utilized in addition to your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Sportvan.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits are similar to your liability insurance amounts.

Comprehensive coverages

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as theft, hitting a bird, hitting a deer and fire damage. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Money doesn’t grow on trees

When getting insurance quotes online, do not skimp on coverage in order to save money. In many cases, someone sacrificed liability limits or collision coverage and found out when filing a claim that it was a big error on their part. Your focus should be to buy the best coverage you can find at the best possible price and still be able to protect your assets.

You just learned some good ideas how to get a better price on 1992 Chevy Sportvan insurance. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. Consumers may even find the best price on insurance coverage is with the least-expected company.

Insureds change insurance companies for any number of reasons including poor customer service, high prices, not issuing a premium refund and being labeled a high risk driver. Regardless of your reason for switching companies, switching insurance coverage companies can be pretty painless.

Additional resources

• Top Signs Your Brakes are Giving Out (State Farm)
• Bodily Injury Coverage (Liberty Mutual)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Auto Insurance 101 (About.com)