2003 Chevrolet Venture Insurance Rates – 6 Tricks for Cheaper Quotes

Trying to find better insurance coverage rates for your Chevrolet Venture? Purchasing discount insurance coverage on the internet can be somewhat intimidating for consumers who are beginners to quoting and comparison shopping on the web. With so many companies, how can anyone be able to compare each option to find lower insurance coverage premiums?

It is always a good idea to do price comparisons periodically because rates change quite often. Even if you got the best deal for Venture insurance at your last renewal you can probably find a better price now. Ignore everything you know about insurance coverage because you’re about to learn how to use online quotes to find better coverage at a better price.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these tips. The purpose of this article is to let you in on how to get online quotes and some tips to save money. But consumers can benefit by having an understanding of the way companies market on the web and take advantage of how the system works.

Cheap insurance coverage price quotes online

There are a lot of ways to compare insurance coverage prices but some are less time-consuming than others. You could waste time discussing policy coverages with local insurance agents in your area, or you can utilize the internet to get prices fast.

Most of the best insurance companies participate in an industry program where prospective buyers submit one quote, and each participating company then returns a price quote for coverage. This saves time by eliminating quote forms to each company.

To fill out one form to compare multiple rates now click here (opens in new window).

The one disadvantage to comparing rates this way is that consumers can’t choose the providers to get pricing from. So if you want to select specific insurance companies to receive pricing from, we put together a list of companies who write insurance coverage in your area. View list of insurance companies.

It’s your choice how you get your quotes, but try to keep equivalent coverages and limits for every quote you compare. If the quotes have higher or lower deductibles it’s not possible to make an equal comparison. Even a minor difference in coverage limits may result in a large different in cost. Just keep in mind that more quotes provides better odds of finding a lower rate.

Use discounts to get cheaper auto insurance quotes

Insuring your fleet can be pricey, but there could be available discounts that could help you make your next renewal payment. Some discounts will apply at the time of quoting, but once in a while a discount must be asked about in order for you to get them.

• Discount for Good Grades – Performing well in school can save 20 to 25%. Most companies allow this discount well after school through age 25.
• Discounts for Responsible Drivers – Insureds who avoid accidents could pay up to 40% less for Venture insurance than drivers with accident claims.
• Mature Driver Discount – Drivers that qualify as senior citizens may be able to get a slight reduction on a car insurance quote for Venture insurance.
• Driving Data Discount – Insureds that choose to allow their insurance company to study driving patterns by using a telematic data system such as State Farm’s In-Drive may get a rate reduction if they exhibit good driving behavior.
• Passenger Safety Discount – Vehicles with factory air bags or motorized seat belts may qualify for discounts of 20 to 30 percent.
• Resident Student – Any of your kids who are attending college and leave their car at home can receive lower rates.

Consumers should know that most credits do not apply to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

For a list of companies that provide some of the discounts listed above, follow this link.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage, there isn’t really a perfect coverage plan. Each situation is unique.

Here are some questions about coverages that may help highlight whether you might need an agent’s assistance.

• When would I need rental car insurance?
• What should my uninsured motorist coverage limits be in my state?
• When would I need additional glass coverage?
• Does medical payments coverage apply to all occupants?
• Is my nanny covered when driving my vehicle?
• Do I need roadside assistance coverage?
• Do I pay less if my vehicle is kept in my garage?
• Are my friends covered when driving my car?
• What is PIP insurance?
• Is pleasure use cheaper than using my 2003 Chevy Venture to commute?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance coverage breakdown

Learning about specific coverages of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, vandalism and falling objects. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as dental work, hospital visits and doctor visits. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Auto liability insurance

Liability insurance provides protection from damage or injury you incur to other’s property or people. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things like court costs, legal defense fees, funeral expenses, structural damage and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like scraping a guard rail, hitting a mailbox, driving through your garage door and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Venture.

Due to the fact that 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 should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.