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1997 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: Jun 12, 2015

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Searching for better insurance coverage rates for your Chevrolet Chevy Van? Having to pay for overpriced insurance coverage can take a big chunk out of your personal savings and make it impossible to make ends meet. Comparing price quotes is a great way to help make ends meet. Insurance companies such as Allstate, Liberty Mutual and State Farm continually hit you with fancy advertisements and consumers find it hard to ignore the propoganda and find the best price available.

If you have a current auto insurance policy or need a new policy, you can use these tips to find better prices while maintaining coverages. Finding affordable coverage is quite easy. Drivers just need to understand the best way to shop for auto insurance on the web.

Pay less by taking advantage of discounts

Auto insurance companies don’t always publicize every discount in an easy-to-find place, so the following is a list of both well-publicized and also the lesser-known discounts you could be receiving. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • 55 and Retired – If you’re over the age of 55, you may be able to get reduced rates on Chevy van insurance.
  • Accident Free – Drivers who don’t have accidents can earn big discounts when compared to drivers who are more careless.
  • Passive Restraints – Factory air bags or motorized seat belts can get savings of 20% or more.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Early Switch Discount – A few companies offer discounts for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less on Chevy van insurance than their less cautious counterparts.
  • Discount for Good Grades – This discount can save 20 to 25%. The good student discount can last up to age 25.

It’s important to note that some of the credits will not apply to the entire policy premium. A few only apply to specific coverage prices like medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck.

For a list of companies with the best insurance discounts, follow this link.

Your coverage should be tailored to you

When it comes to buying coverage, there really is not a best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your insurance needs may require specific advice.

  • Do I have coverage when using my vehicle for my home business?
  • Does my 1997 Chevy Chevy Van qualify for pleasure use?
  • When should I not file a claim?
  • Is upholstery damage covered by car insurance?
  • How much liability do I need to cover my assets?
  • Do I have any recourse if my insurance company denies a claim?

If you can’t answer these questions, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Coverage specifics

Understanding the coverages of your policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on the average auto insurance policy.

Collision insurance

This will pay to fix damage to your Chevy Van caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as driving through your garage door, sustaining damage from a pot hole, rolling your car, backing into a parked car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Chevy Van.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses for hospital visits, prosthetic devices and doctor visits. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Auto liability

This coverage protects you from damages or injuries you inflict on other people or property. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged property.

Liability coverage pays for things such as structural damage, emergency aid, bail bonds and funeral expenses. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as fire damage, hitting a bird, hail damage and theft. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

A penny earned…

Discount 1997 Chevy Chevy Van insurance is available from both online companies in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money. Some companies do not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

As you prepare to switch companies, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where someone dropped comprehensive coverage or liability limits only to regret that they should have had better coverage. Your strategy should be to purchase plenty of coverage for the lowest price.

Additional detailed information can be found in the articles below:

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