1996 Chevrolet Chevy Van Car Insurance Quotes

Getting cheap insurance may be impossible for beginners to comparing prices on the web. Since there are so many insurers available, how are consumers expected to have the ability to compare each option to find the best pricing?

It’s a good habit to check insurance prices every six months since rates are usually higher with each renewal. Just because you found the lowest rate on Chevy van coverage at your last renewal other companies may now be cheaper. Forget all the misinformation about insurance because you’re going to get a crash course in the right way to find better rates and still maintain coverage.

How to compare insurance quotes

Effectively comparing insurance prices can be challenging if you aren’t aware of the best way to get rate quotes. You can spend countless hours driving to insurance agencies in your area, or you could save time and use the web to get rates in a matter of minutes.

Many companies participate in a marketplace that enables customers to submit their information once, and every company returns a rated price based on that data. This prevents consumers from doing quotation requests for every insurance company.

To fill out one form to compare multiple rates now click here to open in new window.

The one disadvantage to comparing rates this way is you are unable to specify which insurance companies you will receive quotes from. So if you want to choose individual companies to compare rates, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

Compare rates however you want, just try to use equivalent coverage information on every price quote you get. If you use different liability limits it will be next to impossible to make a fair comparison for your Chevy Chevy Van. Quoting even small variations in insurance coverages may result in a large different in cost. Just remember that comparing more company’s prices gives you a better chance of getting better pricing.

Save with these money-saving discounts

Auto insurance is expensive, but there’s a good chance there are discounts that can help lower your rates. Larger premium reductions will be automatically applied at the time of quoting, but a few must be manually applied before they will apply.

• Low Mileage – Low mileage vehicles could qualify for substantially lower auto insurancerates.
• Discount for Swiching Early – Select larger companies give a discount for switching to them early. This can save 10% or more.
• Multi-policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you could earn a discount of 10% to 20% off each policy.
• Driving Data Discount – Drivers who elect to allow their company to analyze their driving habits by using a telematics device in their vehicle like Allstate’s Drivewise might see lower rates if they show good driving skills.
• Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Chevy van coverage with select insurance companies.

Don’t be shocked that some credits don’t apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like you could get a free auto insurance policy, companies don’t profit that way.

If you would like to choose from a list of companies that have a full spectrum of discounts, click this link.

Do I need special coverages?

When it comes to choosing proper insurance coverage for your vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine whether you would benefit from an agent’s advice.

• Is my 1996 Chevy Chevy Van covered for flood damage?
• Why do I only qualify for high-risk insurance?
• Is my nanny covered when driving my vehicle?
• Does car insurance cover theft of personal property?
• Will I lose any money if I cancel my policy before it expires?
• Does coverage extend to a rental car in a foreign country?
• What discounts do I qualify for?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Coverages available on your policy

Having a good grasp of your auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as vandalism, a tree branch falling on your vehicle and hitting a bird. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Med pay and PIP coverage kick in for short-term medical expenses for things like doctor visits, nursing services and EMT expenses. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since 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 very important.

Collision – This coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like rolling your car, driving through your garage door and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Liability coverages – This coverage protects you from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers claims like repair costs for stationary objects, bail bonds, pain and suffering and funeral expenses. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.