1996 Chevrolet Chevy Van Insurance Rates
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UPDATED: Jun 12, 2015
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Looking for better insurance coverage rates for your Chevrolet Chevy Van? Purchasing the most affordable insurance coverage over the internet can be somewhat difficult for beginners to price shopping online. Since there are so many online companies available, how can drivers effectively compare every one to find the cheapest rates?
If you have car insurance now, you will be able to save some money using this information. This article will tell you the best way to quote coverages and some tricks to saving. But car owners do need to understand the methods companies use to sell online and use this information to your advantage.
When shopping for insurance there are multiple ways to compare rate quotes and find the best price. By far the easiest way to compare 1996 Chevy Chevy Van insurance prices is to get quotes online. This can be accomplished in just a few minutes using one of these methods.
One of the best ways to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This method keeps you from doing multiple quote forms for each company. One form submission will return price quotes from several companies. Just one form and you’re done.
A less efficient way to compare rate quotes requires a visit to the website for every company you want to comare and request a quote. For example, we’ll pretend you want to compare rates from Auto-Owners, Progressive and Liberty Mutual. You would have to spend time on each company’s site and enter your policy data, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.
However you get your quotes, be sure to compare the exact same coverage information for every quote you compare. If your comparisons have different values for each quote you will not be able to decipher which rate is best. Slightly different coverage limits could mean much higher rates. And when quoting insurance, remember that quoting more gives you a better chance of getting the best rates.
More discounts equal less premium
Insurance can be prohibitively expensive, but you can get discounts that you may not even be aware of. Most are applied at quote time, but some may not be applied and must be asked about in order for you to get them.
- Claim Free – Good drivers with no accidents pay less compared to accident-prone drivers.
- Passive Restraint Discount – Vehicles equipped with air bags can receive discounts of up to 25% or more.
- Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
- Defensive Driving Course – Completing a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
- New Car Discount – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
- Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy online.
- College Student – Any of your kids living away from home attending college and do not have a car may be able to be covered for less.
- Drive Less and Save – Driving fewer miles could be rewarded with a substantially lower rate.
Consumers should know that some credits don’t apply to the entire cost. Most only cut individual premiums such as comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky. Any qualifying discounts will help reduce your overall premium however.
For a list of insurance companies with discount car insurance rates, click this link.
It’s not one size fits all
When it comes to choosing the right insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is unique.
For instance, these questions can help discover whether or not you would benefit from professional advice.
- Am I covered when driving someone else’s vehicle?
- Is my state a no-fault state?
- Why do I need rental car insurance?
- Should I buy additional glass protection?
- Do all my vehicles need collision coverage?
- Do I have coverage when using my vehicle for my home business?
- Can my teen driver be rated on a liability-only vehicle?
- How can I get my company to pay me more for my totalled car?
If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form.
Coverages available on your policy
Knowing the specifics of car insurance can help you determine appropriate coverage at the best deductibles and correct limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording.
Comprehensive car insurance
This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as a broken windshield, damage from flooding and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
This pays for damage to your Chevy Van resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against claims like scraping a guard rail, colliding with another moving vehicle, crashing into a building, sustaining damage from a pot hole and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.
Coverage for medical expenses
Med pay and PIP coverage pay for bills like nursing services, EMT expenses and pain medications. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage
Coverage for uninsured or underinsured drivers
This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1996 Chevy Chevy Van.
Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.
Liability auto insurance
This can cover damage that occurs to a person or their property by causing an accident. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage pays for things like repair bills for other people’s vehicles, court costs and medical expenses. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.
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