Cheap 1996 Chevrolet Sportvan Insurance Cost

Trying to find cheaper car insurance rates for your Chevrolet Sportvan? Car insurance shoppers not familiar with comparing rates online are likely to discover buying cheaper auto insurance is more work than they thought.

Choosing the best insurance company for you is quite easy. If you have car insurance now, you should be able to reduce your rates substantially using this strategy. Although drivers need to have an understanding of how companies market on the web and use this information to your advantage.

Buy car insurance online

There are several ways to compare car insurance prices and some are more efficient than others. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you could save time and use the web to get pricing more quickly.

Many companies are enrolled in a marketplace where prospective buyers submit their information once, and every company returns a rated price based on that data. This prevents consumers from doing quote forms for each company you want a rate for.

To find out what other companies charge click here (opens in new window).

The one downside to doing it this way is you are unable to specify the companies to get pricing from. So if you prefer to choose specific insurance companies to compare, we have assembled a list of the cheapest car insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just make sure you use the same deductibles and coverage limits on every quote you get. If the quotes have mixed coverages it will be impossible to determine the best price for your Chevy Sportvan. Just a small difference in insurance coverages or limits can make a big difference in price. Just keep in mind that getting more free quotes increases your odds of finding the best offered rates.

Reduce your car insurance rates with discounts

Some providers don’t always publicize every available discount in a way that’s easy to find, so the below list has both the well known and also the more inconspicuous credits that may apply to you. If you don’t get every credit possible, you are paying more than you should be.

• Telematics Discount – Drivers who elect to allow driving data collection to analyze driving manner by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they exhibit good driving behavior.
• Multi-car Discount – Buying a policy with primary and secondary vehicles on one policy qualifies for this discount.
• Federal Employees – Having worked for a branch of the government may reduce rates when you quote auto insurance for Sportvan coverage with some car insurance companies.
• Full Payment Discount – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
• Buy New and Save – Putting insurance coverage on a new car can cost up to 25% less because new model year vehicles are generally safer.
• Homeowners Pay Less – Owning your own home or condo may earn you a small savings because of the fact that having a home requires personal responsibility.
• College Student – Children living away from home attending college and do not have a car can receive lower rates.
• Include Life Insurance and Save – Insurance carriers who offer life insurance give a lower car insurance rate if you buy a life insurance policy as well.
• Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may qualify for discounts up to 30%.
• Online Discount – Many larger companies will give you a small discount for completing your application on their website.

One last thing about discounts, most credits do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as collision or personal injury protection. Despite the appearance that it’s possible to get free car insurance, you’re out of luck.

Larger car insurance companies and a partial list of their discounts include:

• American Family may offer discounts for accident-free, multi-vehicle, bundled insurance, good student, and mySafetyValet.
• State Farm offers premium reductions for Steer Clear safe driver discount, good student, defensive driving training, accident-free, Drive Safe & Save, and good driver.
• 21st Century has discounts for homeowners, student driver, defensive driver, early bird, and good student.
• Travelers may include discounts for multi-policy, IntelliDrive, multi-car, continuous insurance, save driver, new car, and driver training.
• Geico discounts include emergency military deployment, military active duty, air bags, membership and employees, seat belt use, five-year accident-free, and driver training.

When quoting, ask each company or agent which discounts they offer. Savings might not be offered on policies in your area.

You are unique and your auto insurance should be too

When it comes to choosing coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different.

For example, these questions can aid in determining whether your personal situation might need professional guidance.

• Is my business laptop covered if it gets stolen from my vehicle?
• Does coverage extend to Mexico or Canada?
• Is my teenager covered with friends in the car?
• Why am I be forced to buy a membership to get insurance from some companies?
• Am I covered if I wreck a rental car?
• Is my 1996 Chevy Sportvan covered for smoke damage?
• When should I drop full coverage on my 1996 Chevy Sportvan?
• Does coverage extend to a rental car in a foreign country?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverages 101

Learning about specific coverages of your policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Auto liability insurance

This coverage protects you from damage or injury you incur to other people or property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like funeral expenses, emergency aid and pain and suffering. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage

This provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Chevy Sportvan.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive protection

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as theft, falling objects and hail damage. 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 it’s not worth carrying full coverage.

Coverage for collisions

Collision insurance will pay to fix damage to your Sportvan caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as damaging your car on a curb, rolling your car, colliding with another moving vehicle, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as funeral costs, X-ray expenses, dental work, doctor visits and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay