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1991 Chevrolet Chevy Van Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 23, 2017

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If online insurance coverage comparisons are new to you, it’s easy to be confused because of the huge number of online companies competing for business.

The best way we recommend to compare rate quotes is to know the trick most larger insurance companies will pay a fee to give you rate quotes. The one thing you need to do is give them some information like if it has an alarm system, how many miles driven, how old drivers are, and the make and model of your vehicles. Your information is instantly provided to all major companies and you get price estimates instantly to find the best rate.

Misconceptions in insurance advertisements

Allstate and Progressive regularly use television and radio advertisements. All the companies make an identical promise about savings if you move your coverage to them. How does each company say the same thing? This is how they do it.

All the different companies have a preferred profile for the driver they prefer to insure. For instance, a driver they prefer could possibly be over the age of 50, insures multiple vehicles, and has a high credit rating. Any new insured who matches those parameters receives the best rates and most likely will save quite a bit of money when switching.

Consumers who do not match the requirements must pay more money and ends up with the driver buying from a lower-cost company. The ads say “customers that switch” not “everybody who quotes” save that kind of money. That is how companies can truthfully claim big savings. This illustrates why drivers should compare as many rates as you can. Because you never know the company that will give you the biggest savings on Chevy Chevy Van insurance.

Lots of discounts mean lots of savings

Car insurance companies do not advertise every available discount very clearly, so we researched some of the more common and the harder-to-find ways to save on insurance.

  • Paperwork-free – Certain companies may give you up to $50 for buying a policy and signing up online.
  • Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Clubs and Organizations – Participating in certain professional organizations is a good way to get lower rates when shopping for insurance for Chevy van coverage.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.

Drivers should understand that some credits don’t apply to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way.

A partial list of companies that may have some of the above discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering how you can save money. Discounts might not be offered everywhere.

Situations that might require an agent

When buying the best insurance coverage, there is no best way to insure your cars. Everyone’s needs are different.

For instance, these questions could help you determine if your situation would benefit from an agent’s advice.

  • Is there coverage for injuries to my pets?
  • Will my rates increase for filing one claim?
  • Does my insurance cover a custom paint job?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I rate my 1991 Chevy Chevy Van as pleasure use or commute?
  • Why do I need rental car insurance?
  • Can I rent a car in Mexico?
  • Can I get a multi-policy discount?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form.

What insurance coverages do you need?

Learning about specific coverages of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Coverage for liability – This provides protection from injuries or damage you cause to people or other property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as structural damage, repair bills for other people’s vehicles, legal defense fees and medical expenses. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like nursing services, prosthetic devices and doctor visits. They are used to fill the gap from your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as driving through your garage door, sustaining damage from a pot hole, rolling your car, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage – This protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Chevy Chevy Van.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

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

Comprehensive coverage pays for things like hail damage, fire damage and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Shop around and save

We just covered some good ideas how to lower your 1991 Chevy Chevy Van insurance rates. It’s most important to understand that the more you quote, the higher your chance of finding lower rates. Drivers may discover the most savings is with the smaller companies.

Consumers leave their current company for many reasons like delays in paying claims, high rates after DUI convictions, questionable increases in premium or even not issuing a premium refund. Regardless of your reason for switching companies, finding a new insurance coverage company can be less work than you think.

When trying to cut insurance costs, never buy less coverage just to save a little money. There have been many cases where drivers have reduced full coverage and learned later that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible for the lowest price while still protecting your assets.

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