Lower Your 1995 Chevrolet Sportvan Car Insurance Quotes

Wish you could get out of high-priced insurance? Say no more because many consumers are feeling buyer’s remorse and feel like there’s no way out. Since vehicle owners have many insurance companies to choose from, it is very difficult to choose the lowest price company.

The fastest way that we advise to compare rate quotes utilizes the fact almost all companies pay for the opportunity to compare rate quotes. The one thing you need to do is provide a small amount of information such as whether your vehicle is owned or leased, if you’re married, if a SR-22 is required, and how old drivers are. The rating information gets sent immediately to multiple companies and you will get price comparisons within a short period of time.

To check rates for your 1995 Chevy Sportvan now, click here and find out if lower rates are available.

Be skeptical of car insurance ads

Consumers constantly see and hear ads for the lowest price car insurance from companies such as State Farm and Allstate. All the companies convey the message that you’ll save big if you just switch your car insurance coverage to their company.

How can each company charge you a lower premium? This is the trick they use.

Companies have a certain “appetite” for a prospective insured that will not have excessive claims. One example of a profitable risk profile could be over the age of 50, has other policies, and does not commute to work. Anyone that matches those criteria gets the lowest rates and therefore will save quite a bit of money when switching.

Insureds who don’t meet these stringent criteria may be forced to pay a higher rate which usually ends up with the customer not purchasing. If you listen to the ad wording, they say “people who switch” not “all people who quote” save the amount stated. That is how companies can truthfully make claims that they all have the best premium rates. Each company has different criteria, so you really need to get car insurance quotes from several different companies. Because you never know which car insurance company will give you lower auto insurance rates than your current company.

Get lower-cost car insurance quotes with discounts

Car insurance is neither fun to buy or cheap, but you may be missing some discounts to help offset the cost. Many discounts should be triggered when you get a quote, but a few need to be asked about before they will apply.

• Passenger Safety Discount – Factory options such as air bags or automatic seat belts may qualify for discounts of 20% or more.
• Lower Rates for Military – Being deployed in the military could qualify you for better car insurance rates.
• Telematics Data – Insureds who allow their company to scrutinize driving patterns remotely such as Progressive’s Snapshot may see discounts if they show good driving skills.
• Multiple Vehicles – Buying coverage for more than one vehicle with the same company may reduce the rate for each vehicle.
• Discounts for New Vehicles – Adding a new car to your policy is cheaper since new model year vehicles have better safety ratings.
• Defensive Driver – Taking a defensive driver class is a good idea and can lower rates if your company offers it.
• Pay Now and Pay Less – By paying your entire bill at once instead of monthly or quarterly installments you could save up to 5%.
• No Accidents – Drivers who stay claim-free are rewarded with significantly better rates on car insurance quote compared to insureds who have frequent claims or accidents.

Discounts lower rates, but most of the big mark downs will not be given to all coverage premiums. Most cut the price of certain insurance coverages like comprehensive or collision. So even though you would think it’s possible to get free car insurance, nobody gets a free ride.

Popular car insurance companies and a partial list of their discounts are outlined below.

• State Farm may offer discounts for multiple policy, driver’s education, passive restraint, student away at school, good student, good driver, and accident-free.
• Geico has discounts for air bags, anti-lock brakes, federal employee, driver training, multi-vehicle, and membership and employees.
• SAFECO policyholders can earn discounts including safe driver, multi-car, teen safe driver, bundle discounts, teen safety rewards, accident prevention training, and anti-theft.
• Farmers Insurance includes discounts for pay in full, electronic funds transfer, alternative fuel, bundle discounts, business and professional, and switch companies.
• AAA offers discounts including AAA membership discount, anti-theft, pay-in-full, education and occupation, and multi-car.
• USAA has savings for safe driver, military installation, new vehicle, multi-vehicle, driver training, loyalty savings, and family discount.

When getting a coverage quote, ask all companies you are considering which discounts you qualify for. A few discounts may not be offered in your area. To see a list of insurers that have a full spectrum of discounts, click here.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage, there is no “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether your personal situation would benefit from an agent’s advice.

• Is business property covered if stolen from my car?
• What discounts do I qualify for?
• Do I have coverage when pulling a U-Haul trailer?
• Can I rent a car in Mexico?
• Will my insurance pay for OEM parts?
• Is pleasure use cheaper than using my 1995 Chevy Sportvan to commute?
• Can I drive in Mexico and have coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance policy specifics

Having a good grasp of your auto insurance policy can help you determine the right coverages and the correct deductibles and limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average auto insurance policy.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for expenses for things like funeral costs, dental work, nursing services and pain medications. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with another moving vehicle, rolling your car, backing into a parked car, damaging your car on a curb and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive auto insurance – This coverage covers 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 can pay for claims such as damage from getting keyed, hail damage, damage from flooding, damage from a tornado or hurricane and falling objects. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverages – This will cover damage or injury you incur to other people or property in an accident. It protects you against other people’s claims. 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. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as court costs, pain and suffering, attorney fees, emergency aid and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Chevy Sportvan.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Compare but don’t skimp

In this article, we covered some good ideas how to reduce 1995 Chevy Sportvan insurance premium rates online. The key concept to understand is the more you quote car insurance, the better your chances of lowering your prices. Consumers could even find that the lowest priced insurance comes from a small mutual company. They may only write in your state and offer lower prices than the large multi-state companies such as State Farm or Progressive.

As you restructure your insurance plan, you should never skimp on critical coverages to save a buck or two. In many cases, someone dropped uninsured motorist or liability limits and learned later that it was a big mistake. The goal is to buy the best coverage you can find at the lowest possible cost, but do not skimp to save money.

Additional information can be found at these links:

• Liability Insurance Coverage (Nationwide)
• Booster Seat Ratings (iihs.org)
• A Tree Fell on Your Car: Now What? (Allstate)
• What is Full Coverage? (Allstate)
• Teen Driving Statistics (iihs.org)
• Rental Car Insurance Tips (Insurance Information Insitute)