Lower Your 1997 Chevrolet Chevy Van Car Insurance Rates

Drivers should understand that most discount credits are not given to all coverage premiums. Most only apply to specific coverage prices like collision or personal injury protection. So when it seems like adding up those discounts means a free policy, you won’t be that lucky. Any amount of discount should help reduce the cost of your policy.

Large auto insurance companies and a partial list of their discounts are included below.

• Farm Bureau may include discounts for multi-policy, renewal discount, multi-vehicle, 55 and retired, and good student.
• Liberty Mutual discounts include good student, multi-car, hybrid vehicle, newly retired, and new graduate.
• State Farm offers premium reductions for multiple autos, multiple policy, anti-theft, safe vehicle, and student away at school.
• Auto-Owners Insurance has discounts for safe driver, safe vehicle, paperless, multiple vehicles, and company car.
• Geico may offer discounts for multi-vehicle, federal employee, military active duty, seat belt use, daytime running lights, air bags, and good student.
• SAFECO offers discounts including bundle discounts, multi-car, drive less, teen safety rewards, teen safe driver, accident prevention training, and anti-lock brakes.

If you are trying to find cheap car insurance quotes, ask every insurance company which discounts can lower your rates. Depending on the company, some discounts may not apply to policyholders everywhere. If you would like to choose from a list of insurance companies with the best discounts, click here.

Tailor your auto insurance coverage to you

When buying adequate coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that could help you determine whether or not you would benefit from an agent’s advice.

• Are rental cars covered under my policy?
• Is rental equipment covered for theft or damage?
• Is motorclub coverage worth it?
• When can I cancel my policy?
• Where can I get insurance after a DUI in my state?
• Will I be non-renewed for getting a DUI or other conviction?
• Should I put collision coverage on all my vehicles?
• Should I buy additional glass protection?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverages 101

Knowing the specifics of a auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Liability coverages – This coverage provides protection from damages or injuries you inflict on other people or property. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things such as medical expenses, structural damage, loss of income, repair bills for other people’s vehicles and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from getting keyed, a broken windshield, damage from flooding and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like funeral costs, doctor visits and nursing services. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision coverages – This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with a tree, crashing into a ditch, damaging your car on a curb and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Chevy Chevy Van.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.