2005 Chevrolet Venture Insurance Rates – 10 Tips for Cheaper Quotes

Searching for better auto insurance rates for your Chevrolet Venture? Having to pay for expensive auto insurance can draw down your funds and force you to make tough financial choices. You have multiple insurance companies to insure vehicles with, and although it’s nice to have multiple companies, too many choices makes it more difficult to locate the cheapest rates.

Finding affordable coverage is not that difficult. If you currently have car insurance, you should be able to save some money using these methods. Drivers just need to understand the most effective way to get comparison rates online.

Insurance quotes and discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that may help make it more affordable. Certain reductions will be credited at the time you complete a quote, but some must be asked about prior to getting the savings.

• Driving Data Discount – Insureds who allow their insurance company to scrutinize their driving habits through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they exhibit good driving behavior.
• Paperwork-free – A few larger online companies give back up to $50 for completing your application on their website.
• Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts may get savings up to 30%.
• Safe Driver Discounts – Drivers without accidents can get discounts for up to 45% lower rates on Venture coverage compared to rates paid by drivers with frequent claims.
• Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you can avoid the installment charge.
• Senior Citizens – Drivers over the age of 55 may be able to get a slight reduction on a insurance quote on Venture coverage.
• First Accident Forgiveness – This one is not really a discount per se, but some companies like State Farm and Progressive will allow you to have one accident before your rates go up with the catch being you have to be claim-free before the accident.
• Accident-Free Discounts – Claim-free drivers get the best insurance rates compared to drivers who are more careless.
• Renewal Discounts – Some companies provide a discount for signing up prior to the expiration date on your current policy. You may see this discount when you get insurance quotes online.
• Low Mileage Discounts – Fewer annual miles on your Chevy could be rewarded with cheaper premium rates.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like you can get free auto insurance, it just doesn’t work that way.

Large insurance companies and the discounts they provide are detailed below.

• Progressive offers discounts for continuous coverage, multi-vehicle, online quote discount, online signing, good student, homeowner, and multi-policy.
• The Hartford includes discounts for bundle, good student, driver training, defensive driver, and air bag.
• Mercury Insurance has savings for good student, professional/association, accident-free, age of vehicle, low natural disaster claims, and ease of repair.
• Geico offers premium reductions for five-year accident-free, anti-lock brakes, membership and employees, air bags, defensive driver, and multi-vehicle.
• AAA policyholders can earn discounts including AAA membership discount, multi-policy, education and occupation, multi-car, good driver, anti-theft, and good student.
• State Farm may offer discounts for good student, safe vehicle, passive restraint, Steer Clear safe driver discount, good driver, and defensive driving training.

If you want the cheapest insurance quotes, ask every company how you can save money. Savings might not be offered in your area. If you would like to see a list of companies that offer some of these discounts, click here to view.

Situations that may require an agent’s advice

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions could help you determine if your situation may require specific advice.

• Does insurance cover tools stolen from my truck?
• Is my teen driver covered when they drive my company car?
• Does my medical payments coverage pay my health insurance deductible?
• Can I drive in Mexico and have coverage?
• Should I sign the liability waiver when renting a car?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Is my cargo covered for damage or theft?
• Why am I be forced to buy a membership to get insurance from some companies?
• Does my insurance cover a custom paint job?
• How do I file an SR-22 for a DUI in my state?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It is quick, free and can help protect your family.

Auto insurance coverages

Having a good grasp of your car insurance policy can help you determine the best coverages for your vehicles. Car insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages found on the average car insurance policy.

Collision coverage protection

Collision insurance will pay to fix damage to your Venture from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a building, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive or Other Than Collision

This covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like fire damage, vandalism, falling objects, damage from a tornado or hurricane and a broken windshield. The highest amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for chiropractic care, ambulance fees and surgery. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability auto insurance

This coverage can cover damages or injuries you inflict on other’s property or people that is your fault. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as pain and suffering, legal defense fees and medical services. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Saving money makes a lot of cents

We just presented many ideas to shop for 2005 Chevy Venture insurance online. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even find the lowest rates are with the smaller companies. These companies often have lower car insurance rates on specific markets as compared to the big name companies such as State Farm or Progressive.

When you buy insurance online, you should never buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped liability limits or collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The goal is to buy a smart amount of coverage for the lowest cost while not skimping on critical coverages.

Some companies do not provide online rate quotes and many times these regional carriers work with independent insurance agents. The cheapest 2005 Chevy Venture insurance is attainable on the web and with local insurance agents, and you need to price shop both so you have a total pricing picture.

Additional auto insurance information is available at the links below

• Coverage Information (Progressive Insurance)
• Driving in Bad Weather (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)
• Information for Teen Drivers (Geico)