Lower Your 1998 Chevrolet Chevy Van Insurance Quotes

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.

More discounts mean affordable premiums

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.

• Military Rewards – Having a deployed family member could qualify you for better premium rates.
• Senior Discount – If you’re over the age of 55, you are able to get a small discount on rates for Chevy van coverage.
• Distant Student – College-age children who live away from home to go to college and don’t have a car could qualify for this discount.
• Early Payment Discounts – By making one initial payment rather than paying monthly you could save 5% or more.
• Smart Student Discounts – Getting good grades can get you a discount of up to 25%. Many companies even apply the discount to college students up until you turn 25.
• New Car Discount – Buying insurance coverage on a new vehicle can save up to 30% since new model year vehicles are generally safer.
• Theft Prevention Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and will qualify for a discount on a auto insurance quote.
• Discount for Multiple Policies – When you combine your homeowners and auto insurance and insure them both with the same insurance company you may earn at least 10 to 15 percent or more.

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.

Car insurance quotes comparison

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.

Get more affordable insurance rates by understanding these factors

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.

• Marriage is a factor – Your spouse may save some money on your insurance coverage policy. Having a spouse means you’re less irresponsible and insurance companies like that drivers who are married file infrequent claims.
• Only buy what you need – Insurance policies have a lot of optional add-on coverages that you can buy on your insurance coverage policy. Insurance for rental car coverage, death and dismemberment, and membership fees are some examples. You may think they are a good idea initially, but if they’re wasting money get rid of them and save.
• What are good liability insurance limits? – A critical coverage on your policy, liability insurance kicks in when a court rules you are at fault for causing personal injury or damage in an accident. Liability provides for a legal defense which can cost a lot. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
• Vehicles with better crash test results cost less to insure – Vehicles with good safety scores can get you lower premiums. Safer cars reduce the chance of injuries and fewer serious injuries means lower claim amounts passed on to you as lower rates.
• Frequent insurance claims increase premiums – Insurance companies give discounts to people who file claims infrequently. If you’re an insured who likes to file claims you can definitely plan on much higher rates or policy non-renewal. Your car insurance is designed for claims that you cannot pay yourself.
• Guys tend to take more risk – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. The data does not necessarily mean that men are WORSE drivers than women. They both have at-fault accidents in similar percentages, but guys tend to have more serious accidents. Men also statistically have more aggressive citations like DUI and reckless driving. Young men ages 16 to 20 are most likely to cause an accident and are penalized with high insurance coverage rates.
• No insurance coverage policy gaps is important – Allowing your insurance coverage policy to lapse is a quick way to pay more for insurance coverage. And not only will insurance be more expensive, failure to provide proof of insurance could earn you fines or a revoked license.
• Rural areas have lower costs – Residing in a rural area has definite advantages when talking about insurance coverage. Lower population means reduced accidents in addition to fewer liability claims. Drivers who live in large cities have to deal with more auto accidents and a longer drive to work. More time on the road means a statistically higher chance of an accident.

It’s not one size fits all

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.

• What discounts do I qualify for?
• Should I buy more coverage than the required minimum liability coverage?
• Does my insurance cover my expensive audio equipment?
• How does medical payments coverage work?
• I have good health insurance, so how much medical payments coverage do I need?
• Why do I only qualify for high-risk insurance?
• Should I sign the liability waiver when renting a car?
• What is covered by UM/UIM coverage?

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.

Detailed coverages of your insurance policy

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.

Final considerations

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:

• Teen Driver Licensing Information (iihs.org)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)
• How to Avoid Common Accidents (State Farm)
• State Car Insurance Guides (Geico)