Save on 1997 Chevrolet Venture Car Insurance Cost

Are you sick and tired of sacrificing other expenses to buy insurance? You’re in the same situation as many other drivers.

Companies like Allstate, Liberty Mutual and State Farm continually hit you with TV and radio ads and consumers find it hard to ignore the promise of big savings and take the time to shop coverage around.

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. Finding affordable coverage is easy if you know what you’re doing. But car owners do need to understand how insurance companies market on the web and take advantage of how the system works.

Compare free auto insurance quotes

All major auto insurance companies allow consumers to get coverage prices directly from their websites. Doing online quotes is fairly simple as you simply enter your required coverages into the form. Once you submit the form, their rating system will order your driving record and credit report and generates a price determined by many factors. Quoting online streamlines rate comparisons, but the process of having to visit multiple sites and type in the same data can get tiresome after awhile. But it’s also necessary to compare as many rates as possible if you are searching for the best price on auto insurance.

Quote rates the easy way

The smarter way to get multiple rate quotes makes use of a single form that analyzes rates from several different companies. This type of form saves time, requires less work, and makes online price comparison much more enjoyable. After sending your information, it is quoted with multiple companies and you can pick any of the resulting price quotes. If the quotes result in lower rates, you simply finish the application and buy the policy. The entire process can be completed in less than 10 minutes and could lower your rates considerably.

To find out if lower rates are available, click here to open in new window and submit the form. If you have a policy now, it’s recommended you enter coverages and limits as close as possible to your current policy. This helps ensure you will receive comparison quotes for exact coverage.

Discounts can really help save money

Insurance can be prohibitively expensive, but you might be missing out on some discounts that can help lower your rates. Certain credits will be shown when you purchase, but some must be requested specifically prior to getting the savings. If you do not double check each discount you qualify for, you could be paying more than you need to.

• Student in College – Children who live away from home to go to college and do not have a car could get you a discount.
• Low Mileage Discounts – Driving less could earn substantially lower premium rates.
• Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes can stop better under adverse conditions and the ABS can save up to 10%.
• Accident Waiver – This one is not really a discount per se, but certain companies permit an accident without getting socked with a rate hike if you are claim-free for a particular time prior to the accident.
• Telematics Devices – Drivers who agree to allow their insurance company to track driving manner through the use of a telematics system such as Progressive’s Snapshot could possibly reduce rates if they are good drivers.
• Discount for Life Insurance – Some companies give a discounted price on car insurance if you buy some life insurance in addition to your auto policy.
• Discounts for Cautious Drivers – Safe drivers could pay up to 40% less for Venture insurance compared to rates paid by drivers with frequent claims.
• Policy Bundle Discount – If you combine your homeowners and auto policies with one company you could get a discount of at least 10% off all policies.
• Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can get savings up to 30%.
• Student Discount for Driver Training – Have your child sucessfully take a drivers education course in school or through a local driver safety program.

It’s important to understand that most discount credits are not given to your bottom line cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, that’s just not realistic. Any amount of discount will lower your policy premiums.

To view providers who offer online insurance quotes, follow this link.

Will just any policy work for me?

When choosing the best car insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that For example, these questions can help discover whether or not you would benefit from professional advice.

• When should I buy a commercial auto policy?
• How can I get high-risk coverage after a DUI?
• Does my insurance cover a custom paint job?
• Is my Chevy Venture covered if I use it for business?
• Am I covered if I crash into my own garage door?
• Do I have newly-aquired coverage?
• When should my teen driver be added to my policy?
• Are my friends covered when driving my 1997 Chevy Venture?
• What should my uninsured motorist coverage limits be in my state?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Car insurance 101

Having a good grasp of your insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages available from insurance companies.

Comprehensive insurance

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

Comprehensive coverage protects against claims like theft, fire damage, falling objects, hitting a deer and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverages

Liability insurance will cover damage or injury you incur to a person or their property by causing an accident. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as repair bills for other people’s vehicles, loss of income, medical expenses, bail bonds and legal defense fees. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Collision coverage

Collision coverage covers damage to your Venture caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as colliding with another moving vehicle, crashing into a ditch, hitting a parking meter, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like prosthetic devices, hospital visits, nursing services and ambulance fees. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay