Trying to find the cheapest auto insurance rates for your Chevrolet Chevy Van? Price shopping your auto insurance can be challenging for drivers who have little experience comparison shopping online. You have so many options that it can be a real challenge to find the best rates.
Consumers need to price shop coverage yearly because auto insurance prices change frequently. Despite the fact that you may have had the best quotes for Chevy van coverage a year ago you will most likely find a better rate today. There is too much inaccurate information about auto insurance online but I’m going to show you the easiest ways to save money.
If you currently have car insurance, you will be able to reduce your rates substantially using this strategy. This article will introduce you to the most effective way to quote insurance and some tricks to saving. But vehicle owners must learn the methods companies use to price online insurance.
Insurance can be prohibitively expensive, but there could be significant discounts that many people don’t even know exist. Some discounts will apply when you get a quote, but once in a while a discount must be requested specifically before you get the savings.
Discounts reduce rates, but you should keep in mind that some credits don’t apply to the entire cost. Some only reduce the cost of specific coverages such as liability and collision coverage. Even though the math looks like it’s possible to get free car insurance, that’s just not realistic.
If you would like to view providers who offer cheap insurance coverage quotes, click here to view.
There are several ways you can shop for car insurance and some are less time-consuming than others. You could waste time talking about coverages with agents in your area, or you can stay home and use the web for quick rates.
Most of the larger companies participate in a marketplace where insurance shoppers send in one quote, and each company returns a competitive quote based on that information. This eliminates the need for repetitive form submissions to every company.
To fill out one form to compare multiple rates now click here to start a free quote.
One minor caviat to comparing rates this way is you can’t choose the providers to get pricing from. If you wish to select specific insurance companies to compare prices, we have a listing of the cheapest car insurance companies in your area. Click here to view list.
You can use whichever method you prefer to find lower rates, just compare exactly the same coverages and limits on every price quote you get. If each company quotes different data you will not be able to make a fair comparison for your Chevy Chevy Van. Even a minor difference in limits can make a big difference in price. Just remember that comparing more company’s prices helps improve the odds of finding a lower rate than you’re paying now. Some regional insurers cannot provide online quotes, so you also need to get rates from the smaller companies as well.
Multiple criteria are used when you get a price on insurance. Most are fairly basic like your driving record, but other factors are less apparent such as your credit history or your commute time.
The factors shown below are just a few of the factors that factor into your rates.
When it comes to buying proper insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different.
For instance, these questions could help you determine if your situation might need professional guidance.
If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form.
Having a good grasp of your policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.
Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for bills for doctor visits, hospital visits and X-ray expenses. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Auto liability – Liability coverage protects you from damage that occurs to other’s property or people by causing an accident. It 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. You might see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.
Liability insurance covers things like emergency aid, funeral expenses, legal defense fees, repair costs for stationary objects and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.
Comprehensive auto coverage – This 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 can pay for claims such as damage from flooding, hitting a deer, hitting a bird and damage from getting keyed. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.
Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like scraping a guard rail, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.
As you quote auto insurance, it’s not a good idea to reduce needed coverages to save money. There are too many instances where an accident victim reduced physical damage coverage only to regret that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.
In this article, we presented a lot of techniques to shop for 1998 Chevy Chevy Van insurance online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding low cost auto insurance. You may be surprised to find that the best price on car insurance is with a lesser-known regional company.
Cheaper 1998 Chevy Chevy Van insurance is available both online as well as from independent agents, and you need to price shop both to have the best rate selection. A few companies do not offer online price quotes and many times these small insurance companies work with independent agents.
To read more, take a look at these articles:
Darwin Duran
I found cheap 1998 Chevrolet Chevy Van insurance in Saint Paul, MN with Allstate.
Allyn Moon
Just a quick comment on my experience. I live east of Norfolk, Virginia. Got car insurance quotes with Allstate, Hanover, and Farmers for my 1998 Chevrolet Chevy Van and saved $99 a year. Not sure about claim service.
Cami Peters
I got decent rates for a 1998 Chevrolet Chevy Van in Lexington, Kentucky. Ended up at right around $70 every six months with Auto-Owners. I’m a pretty good driver though.
Adriana Roman
Found cheapest coverage with GEICO for my 1998 Chevrolet Chevy Van and cut my rates about $80 a year. Was with Progressive. I have several vehicles insured with them. I quoted rates online then called them.
Luetta Newman
Compared rates with State Farm and AIG Insurance but still pricey.
Joanna Berg
Does Progressive use ACV or replacement cost?
Salvador Hatfield
Good site, thanks. From northwest of West Valley City, Utah. Don’t remember every company but I ended up saving about $30 each month.
Launa Conner
Nice post. I’m in the west part of Norfolk, VA. Don’t remember every company but I ended up saving about $20 each month. Insured with Mercury before. Can still barely afford it. Liability only on my Chevy Van.
Numbers Bates
Cheaper not always better. Quoted with 21st Century for my Chevrolet and saved about $100 a year. Have an at-fault accident tho. Wish I didn’t have to insure at all.
Eulah York
I live in Fairbanks, AK. I compared lots of rates. Saved roughly $20 a month. GEICO was the most affordable for me. Not sure if rates are cheaper online or through an agent.
Keila Guerrero
Where is cheaper car insurance? Proud to be from Eugene, OR. Received prices from USAA, Auto-Owners, Hanover, and Mercury for my Chevrolet and I think I saved around $30 each month. Insured with Farmers before. It never hurts to quote around.
Rogelio Conner
I got quite a few price quotes for a 1998 Chevrolet Chevy Van in Hilo, HI. Ended up at right around $90 every six months with AIG Insurance. I got prices on the web. Only insure liability on my Chevrolet.
Lesa Glenn
Got pretty cheap 1998 Chevrolet Chevy Van insurance from GEICO in Minneapolis, MN.
Chin Richardson
I live north of Virginia Beach, VA. Quoted quotes with Allstate, Eastwood, and Liberty Mutual for my 1998 Chevrolet Chevy Van and I’m now saving $17 a month. I just quoted rates online. Just liability coverage since it’s getting old.
Delpha Cooper
I can’t pay high rates. Found cheapest coverage with Hartford for my Chevy Van and am saving around $60 a year. I even had a DUI years ago. Still almost need a second mortgage.
Aida Blackwell
I’m in the east part of Nashua, NH. Quoted with GEICO, Auto-Owners, and some I forget for my 1998 Chevrolet Chevy Van and saved $65 a year. Left MetLife to switch. Got better coverage too. It’s too old for full coverage.
Gabriella Bailey
I live just outside Norfolk, Virginia. Checked online prices for a 1998 Chevrolet Chevy Van. Ended up at about $100 savings annually. Went with Progressive. Got better coverage too. LOL
Roni Mcguire
Lots of good stuff here. Checking in from Kansas City, Missouri. I got free quotes from State Farm, GMAC, and Farmers for my Chevrolet and I’m now saving $23 a month. Have an at-fault accident tho. Bought it from an online quote.
Caroll Alexander
Great info, thanks for posting. Got a quote with Hanover for my 1998 Chevrolet Chevy Van and saved around $110 a year. I just quoted rates online.