1993 Chevrolet Chevy Van Insurance Rates

Trying to find the cheapest auto insurance rates for your Chevrolet Chevy Van? Searching for the cheapest insurance for a Chevy Chevy Van can be an all-consuming task, but you can follow our auto insurance buying tips to make it easier. There is a right way and a wrong way to buy auto insurance so we’re going to tell you the best way to price shop coverage for your Chevy and obtain the cheapest rates.

It’s smart to get comparison quotes every six months because prices change quite often. Despite the fact that you may have had the lowest rates for Chevy van insurance a year ago the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate one of the best ways to get good coverage at a lower rate.

If you have a policy now or are shopping for new coverage, you can use these tips to cut your premiums and still get good coverage. Pricing cheaper car insurance coverage is simple if you know the tricks. Drivers just need to learn the proper way to get comparison quotes online.

Low cost insurance prices

Finding a lower price on 1993 Chevy Chevy Van insurance can be quick and easy. Just spend a few minutes on the computer comparing free car insurance quotes to find out which insurance company has cheap car insurance quotes. This can be accomplished in a couple of different ways.

• If you are pressed for time, the simplest way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This method eliminates the need for multiple quote forms for every company. One form gets insurance cost estimates instantly. This is by far the quickest method.
• A different way to obtain and compare quotes online requires you to visit the website of each company and go through the quote process again. For example, let’s say you want to get rates from Liberty Mutual, Esurance and Allstate. You would be required to spend time on each company’s site to enter the same coverage data repeatedly, which is why most consumers use the first method.

  For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using apples-to-apples coverage limits and deductibles on every price quote you get. If each company quotes unequal deductibles or liability limits then you won’t be able to truly determine the lowest rate.

Don’t overlook these insurance coverage discounts

Companies that sell car insurance don’t list all disounts in an easy-to-find place, so the below list has a few of the more common and also the more inconspicuous credits available to bring down your rates.

• Accident-Free Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on car insurance quote when compared to accident-prone drivers.
• Save with More Vehicles Insured – Purchasing coverage when you have several vehicles on one policy could earn a price break for each car.
• Drivers Education – Teen drivers should enroll in driver’s education in school or through a local driver safety program.
• Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts until age 25.
• Passenger Safety Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.

Discounts lower rates, but most discounts do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, you won’t be that lucky.

A list of companies and some of their more popular discounts are detailed below.

• Geico discounts include military active duty, five-year accident-free, seat belt use, daytime running lights, and anti-lock brakes.
• USAA offers discounts for annual mileage, loyalty savings, vehicle storage, military installation, safe driver, and multi-policy.
• Progressive has discounts for continuous coverage, multi-policy, multi-vehicle, homeowner, and online signing.
• American Family includes discounts for defensive driver, mySafetyValet, multi-vehicle, early bird, and bundled insurance.
• Esurance has savings for paid-in-full, claim free, DriveSense, anti-lock brakes, and Switch & Save.
• Farmers Insurance policyholders can earn discounts including early shopping, distant student, teen driver, multi-car, electronic funds transfer, and mature driver.
• State Farm offers discounts including driver’s education, anti-theft, good student, good driver, Drive Safe & Save, and accident-free.

Before buying, ask each company which credits you are entitled to. Some discounts listed above may not apply to policyholders in your area. To view insurers who offer discounts, click this link.

When to get professional advice

When it comes to choosing adequate coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions could help you determine if you may require specific advice.

• Is my vehicle covered by my employer’s policy when using it for work?
• When should I remove comp and collision on my 1993 Chevy Chevy Van?
• Is my teen driver covered when they drive my company car?
• Is my custom paint covered by insurance?
• Why do I need rental car insurance?
• Does having multiple vehicles earn me a discount?
• Do I need to file an SR-22 for a DUI in my state?
• Are my friends covered when driving my car?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Insurance coverage breakdown

Learning about specific coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Coverage for collisions

This pays for damage to your Chevy Van caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as backing into a parked car, sustaining damage from a pot hole, hitting a parking meter, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like rehabilitation expenses, chiropractic care, X-ray expenses, nursing services and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, fire damage, vandalism, damage from a tornado or hurricane and rock chips in glass. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Chevy Chevy Van.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability car insurance

Liability coverage can cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like funeral expenses, structural damage and bail bonds. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Save your cold hard cash

As you restructure your insurance plan, never skimp on coverage in order to save money. There are many occasions where drivers have reduced collision coverage to discover at claim time that the small savings ended up costing them much more. Your goal should be to find the BEST coverage at the best possible price but still have enough coverage for asset protection.

Insureds switch companies for any number of reasons including unfair underwriting practices, extreme rates for teen drivers, questionable increases in premium and even an unsatisfactory settlement offer. Regardless of your reason, finding the right auto insurance provider is less work than it seems.

In this article, we covered a lot of information how to lower your 1993 Chevy Chevy Van insurance prices. The key thing to remember is the more you quote car insurance, the better likelihood of getting affordable car insurance. Consumers may even find the lowest priced auto insurance comes from some of the lesser-known companies.

More detailed auto insurance information is available by following these links:

• Smart Auto Insurance Tips (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Get the Right Protection (InsureUonline.org)
• Red Light Cameras (State Farm)