Lower Your 1998 Chevrolet Venture Car Insurance Rates

Searching for cheaper insurance for a Chevy Venture can normally be a painful process, but you can use a few tricks to find lower rates. There is a better way to compare auto insurance rates so we’re going to tell you the absolute fastest way to quote coverages for a new or used Chevy and obtain the lowest possible price from local insurance agents and online providers.

Consumers need to do rate comparisons on a regular basis since prices go up and down regularly. Just because you had the lowest quotes on Venture coverage a year ago you can probably find a better rate now. Ignore everything you know about auto insurance because we’re going to demonstrate one of the quickest ways to buy cheaper auto insurance.

Insurance companies offer lots of discounts

Some insurance providers do not list all possible discounts in a way that’s easy to find, so the following is a list of both well-publicized and also the more inconspicuous savings tricks you should be using when you buy insurance coverage online.

• Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and will save you 10% or more.
• Good Grades Discount – Excelling in school can get you a discount of up to 25%. The discount lasts up to age 25.
• Include Life Insurance and Save – Companies who offer life insurance give lower rates if you buy some life insurance in addition to your auto policy.
• Homeowners Pay Less – Owning a home can earn you a little savings because owning a home requires personal responsibility.
• Paper-free Discount – A few larger companies may give you up to $50 shop insurance coverage on their website.
• Distant College Student Discount – Older children who are attending college and leave their car at home could qualify for this discount.
• Lower Rates for Military – Being on active deployment in the military can result in better premium rates.
• Discounts for New Vehicles – Buying coverage on a new vehicle can save you some money since new model year vehicles have better safety ratings.
• Multi-policy Discount – If you combine your auto and home policies with the same insurance company you could get a discount of nearly 15% which can help you find the cheapest insurance coverage.

Keep in mind that many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, you aren’t that lucky.

Insurance companies that may include many of the previously listed discounts include:

• American Family
• Farm Bureau
• State Farm
• Travelers
• The Hartford
• Geico
• Progressive

It’s a good idea to ask all the companies which credits you are entitled to. Savings may not apply in your area. If you would like to see a list of insurance companies with discount insurance rates, follow this link.

Shop insurance coverage online

Finding a lower price on 1998 Chevy Venture insurance is an easy way to save money. You just have to take a couple of minutes getting comparison quotes online with multiple companies. It is quite easy and can be accomplished using one of these methods.

1. Hands down the most simple method to find low rates would be an industry-wide quote request form (click to open form in new window). This form saves time by eliminating a different quote for each company. One quote request gets prices estimates from all major companies.It’s the quickest way to get rates.
2. Another way to obtain and compare quotes online is to manually visit the website of each company and repeat the quote process again and again. For examples sake, let’s assume you want comparison quotes from Liberty Mutual, Esurance and American Family. You would have to go to each individual site to enter the same coverage data repeatedly, and that’s why the first method is more popular.

   To view a list of companies in your area, click here.

However you get your quotes, make darn sure you compare identical coverages and limits with each company. If you use different limits and deductibles on each one it will be impossible to make an equal comparison.

Eight tips to get cheaper insurance rates

Many things are taken into consideration when you get your auto insurance bill. Most are fairly basic such as your driving history, but other factors are more transparent such as whether you are married or your commute time.

• Alarms and GPS tracking lower rates – Buying a car that has an advanced theft prevention system can help lower your premiums. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop car theft and help bring rates down.
• Continuous coverage saves money – Driving without insurance is a misdemeanor and your next policy will cost more because you let your coverage cancel without a new policy in place. Not only will you pay higher rates, the inability to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
• Low coverage deductibles mean high costs – Your deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. Insurance for physical damage, aka comp and collision, covers damage that occurs to your car. Examples of covered claims are a windshield broken by a bird, animal collisions, and damage from wind. The more damage repair cost the insured is willing to pay, the lower your rates will be on Venture coverage.
• Better credit means lower rates – Having a good credit rating is a large factor in determining what you pay for insurance. If your credit is low, you may save money insuring your 1998 Chevrolet Venture if you improve your credit rating. People that have high credit scores tend to be better drivers and file fewer claims as compared to drivers with bad credit.
• Add-on coverages can cost a lot – Insurance companies have many extra coverages that can waste your money but may not be useful. Coverage for things like vanishing deductibles, accident forgiveness, and Farm Bureau memberships are examples of these. You may think they are a good idea when buying your policy, but your money might be better spent on other coverage so think about removing them and cutting costs.
• Be proud to be claim-free – Auto insurance companies provide the lowest premiums to insureds who do not file claims often. If you’re an insured who likes to file claims you can definitely plan on much higher rates or policy non-renewal. Your insurance policy is intended to be relied upon for claims that pose a financial burden.
• Men drivers tend to cost more – Statistics have proven that females tend to be a little less risky than males. However, this does not mean males are worse at driving than females. Both genders are in accidents at about the same rate, but the male of the species tend to have more serious accidents. Men also get cited for more serious violations like DWI (DUI) or reckless driving. Young males have the highest risk to insure so it costs more to insure them.
• Being married is a bonus – Getting married can actually save you money on insurance. Marriage is viewed as being more stable financially and statistics prove married drivers get in fewer accidents.

Do I just need basic coverages?

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining if your insurance needs may require specific advice.

• When should I remove comp and collision on my 1998 Chevy Venture?
• Should I bundle my homeowners policy with my auto?
• Should I waive the damage coverage when renting a car?
• Does my medical payments coverage pay my health insurance deductible?
• How high should my uninsured/underinsured coverage be in my state?
• Is rental equipment covered for theft or damage?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Car insurance coverage information

Knowing the specifics of your policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people 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.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for doctor visits, surgery, ambulance fees and prosthetic devices. They are used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, hitting a bird, hitting a deer, falling objects and hail damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages

Liability insurance will cover damage that occurs to a person or their property. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like pain and suffering, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as backing into a parked car, sideswiping another vehicle, colliding with a tree, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Have the Midas touch

There are still a few companies who do not offer online quoting and usually these small, regional companies only sell coverage through independent agents. Low-cost 1998 Chevy Venture insurance is definitely available both online in addition to local insurance agencies, and you should be comparing both in order to have the best chance of saving money.

As you restructure your insurance plan, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. The aim is to buy enough coverage at the best cost.

Drivers change insurance companies for many reasons like extreme rates for teen drivers, poor customer service, policy non-renewal or even denial of a claim. Whatever your reason, finding the right car insurance provider can be easy and end up saving you some money.

To read more, link through to the resources below:

• Older Driver Statistics (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)
• Choosing an Insurance Company (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)