Save on 1996 Chevrolet Chevy Van Classic Car Insurance Rates

Looking for cheaper car insurance rates for your Chevrolet Chevy Van Classic? I can’t think of anyone who is fond of buying car insurance, especially when they know their premiums are too high.

Due to the large number of car insurance companies to choose from, it is hard for the average consumer to choose the lowest cost car insurance provider.

It’s smart to check car insurance prices quite often because prices are rarely the same from one policy term to another. If you had the lowest price for Chevy van Classic coverage last year there is a good chance you can find better rate quotes now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the quickest way to get good coverage at a lower rate.

Buy Chevy Chevy Van Classic insurance cheaper

Lots of factors are part of the calculation when you quote your car insurance policy. Some factors are common sense like an MVR report, but other criteria are not as apparent such as your marital status or your vehicle rating.Smart consumers have a good feel for some of the factors that come into play when calculating your auto insurance rates. If you have some idea of what influences your rates, this enables you to make decisions that could help you find lower rates.

Listed below are some of the factors utilized by car insurance companies to help set premiums.

• Liability safeguards assets – Liability coverage kicks in if ever you are found liable for physical damage or personal injury to other. Your policy’s liability insurance provides for a legal defense which can cost thousands of dollars. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
• Having a spouse can save you money – Having a wife or husband actually saves money when buying auto insurance. Marriage translates into being more financially stable and it’s proven that married drivers tend to have fewer serious accidents.
• Car plus home equals more savings – The majority of companies apply a discount to people that have more than one policy in the form of a multi-policy discount. Even if you already get this discount, it’s still a good idea to shop around to ensure the best deal. You may still be able to find lower rates by insuring with multiple companies.
• Do females or males drive better? – The statistics show that women are safer drivers than men. However, this does not mean females are better drivers. They both are responsible for at-fault accidents in similar percentages, but guys tend to have more serious accidents. In addition to higher claims, males also receive more costly citations like DUI and reckless driving.
• Keep auto insurance claims to a minimum – Insurance companies provide lower rates to policyholders that do not abuse their auto insurance. If you’re an insured who likes to file claims you can definitely plan on increased rates or even have your policy non-renewed. Your insurance policy is intended for claims that you cannot pay yourself.
• Higher deductibles are cheaper – Comp and collision deductibles represent how much money you are required to spend out-of-pocket if you file a covered claim. Physical damage coverage, also called ‘full coverage’, covers damage that occurs to your car. Some coverage claims are a windshield broken by a bird, hail damage, or theft of your vehicle. The higher the amount you have to pay, the less your company will charge you for insurance for Chevy van Classic coverage.

How to buy auto insurance online

There are several ways to shop for auto insurance, but some are less labor-intensive and much quicker. You can spend countless hours driving to insurance agencies in your area, or you could save time and use the internet for quick rates.

Most major companies participate in an industry program where prospective buyers only type in their quote data once, and at least one company can provide price quotes based on that data. This prevents consumers from doing quote forms for each company. To access this free quoting program, click here (opens in new window).

The single downside to doing it this way is you are unable to specify which providers to get pricing from. So if you prefer to choose specific providers to compare, we have a listing of companies who write auto insurance in your area. View list of insurance companies.

Whichever way you use, compare identical coverages on every price quote you get. If you compare different coverage information it’s not possible to make a fair rate comparison. Slightly different insurance coverages could throw off the whole comparison. And when comparing auto insurance rates, know that making a lot of price comparisons increases the change that you will find the best offered rates.

Save $450 a year. For real?

Companies like Geico, State Farm and Progressive continually stream ads on TV and radio. All the ads seem to make the promise that you can save if you just switch your policy. How does every auto insurance company lower your rates? It’s all in how they say it.

Insurance providers have an ideal profile for the driver that will add to their bottom line. A good example of a profitable customer may need to be between the ages of 30 and 45, carries high limits, and drives less than 10,000 miles a year. A customer that hits that “sweet spot” will get the preferred rates and will save a lot of money.

Drivers who fall outside these standards will probably be forced to pay higher premiums which translates to business not being written. If you pay attention, the ads say “customers that switch” not “everyone who quotes” save the amount stated. That is how companies can make it sound like they have such great prices.

Because every company is different, drivers should compare as many free car insurance quotes as you can. You cannot predict which insurance companies will be your best fit.

Lower-cost car insurance rates with discounts

Car insurance is not cheap nor is it fun to buy but there’s a good chance there are discounts that you may not even know about. Certain credits will be shown when you complete an application, but occassionally some discounts must be manually applied before you will receive the discount.

• Discount for New Cars – Adding a new car to your policy is cheaper since new vehicles are generally safer.
• Discount for Multiple Policies – When you combine your auto and homeowners insurance with one insurance company you could get a discount of nearly 15% which can help you find the cheapest car insurance.
• Discounts for Multiple Vehicles – Insuring primary and secondary vehicles with one company can reduce the rates for all insured vehicles.
• Government Employee Discount – Being employed by or retired from a federal job could provide a small rate reduction for Chevy van Classic coverage depending on your car insurance provider.
• Low Mileage Discounts – Maintaining low annual mileage could earn slightly better premium rates than normal.
• Professional Memberships – Being a member of certain professional organizations can get you a small discount when shopping for car insurance.
• Safety Restraint Discount – Forcing all vehicle occupants to buckle their seat belts could save 15% off the PIP or medical payment premium.
• Military Rewards – Being on active duty in the military may lower your rates slightly.
• Telematics Data – People who choose to allow their car insurance company to spy on when and where they use their vehicle by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates as long as they are good drivers.
• College Student – Any of your kids who are enrolled in higher education away from home and do not take a car to college can be insured at a reduced rate.

Drivers should understand that some credits don’t apply to all coverage premiums. Some only reduce the price of certain insurance coverages like liability and collision coverage. Despite the appearance that adding up those discounts means a free policy, companies wouldn’t make money that way. Any qualifying discounts will help lower your premiums.

A few of the larger companies and a selection of discounts are outlined below.

• American Family offers discounts including good student, bundled insurance, air bags, defensive driver, and mySafetyValet.
• Farm Bureau may include discounts for youthful driver, good student, renewal discount, 55 and retired, and safe driver.
• State Farm may offer discounts for good student, good driver, defensive driving training, Drive Safe & Save, and accident-free.
• Travelers has savings for payment discounts, multi-car, save driver, new car, continuous insurance, and good student.
• The Hartford includes discounts for anti-theft, defensive driver, bundle, driver training, and good student.
• Geico discounts include federal employee, defensive driver, anti-lock brakes, good student, seat belt use, and military active duty.
• Progressive offers discounts for multi-vehicle, homeowner, online quote discount, good student, and online signing.

If you want cheaper car insurance quotes, ask all companies you are considering which discounts you qualify for. A few discounts might not be offered on policies in your area. To see companies who offer discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions could help you determine if you might need an agent’s assistance.

• Am I covered if I drive in a foreign country?
• Is my business laptop covered if it gets stolen from my vehicle?
• What is the rate difference between pleasure use and commuting?
• I have good health insurance, so how much medical payments coverage do I need?
• Am I better off with higher deductibles on my 1996 Chevy Chevy Van Classic?
• How does medical payments coverage work?
• What vehicles should carry emergency assistance coverage?
• What should my uninsured motorist coverage limits be in my state?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Coverages available on your policy

Knowing the specifics of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages found on the average insurance policy.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a ditch, crashing into a building, driving through your garage door, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Liability coverages

This will cover injuries or damage you cause to people or other property in an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

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 liability limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims such as medical services, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, vandalism, theft, rock chips in glass and falling objects. The most a insurance company will pay at claim time 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.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for immediate expenses like X-ray expenses, EMT expenses, ambulance fees, prosthetic devices and pain medications. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Uninsured/Underinsured Motorist coverage

This provides protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

What is YOUR best insurance company?

We just showed you a lot of techniques to shop for 1996 Chevy Chevy Van Classic insurance online. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even discover the best prices are with the smaller companies. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate, Geico and Progressive.

When searching for inexpensive car insurance quotes, it’s a bad idea to reduce coverage to reduce premium. There are too many instances where an insured cut liability limits or collision coverage and learned later that it was a big error on their part. Your goal is to get the best coverage possible at an affordable rate while still protecting your assets.

Cost effective 1996 Chevy Chevy Van Classic insurance is definitely available both online in addition to many insurance agents, so you should compare both so you have a total pricing picture. There are still a few companies who may not have price quotes online and usually these small insurance companies only sell through independent agents.

Other resources

• Keeping Children Safe in Crashes Video (iihs.org)
• Electronic Stability Control FAQ (iihs.org)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)