Chevrolet Chevrolet Venture Insurance Rates
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UPDATED: Jan 15, 2020
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Shoppers have many options when shopping for the lowest priced Chevy Venture insurance. They can either spend hours contacting agents getting price quotes or utilize the internet to compare rates.
There are both good and bad ways to compare insurance coverage rates and we’ll show you the quickest way to quote coverages on a Chevy and obtain the lowest price either online or from local insurance agents.
Don’t overlook these discounts
Insuring your vehicles can cost a lot, but companies offer discounts that you may not even be aware of. A few discounts will automatically apply when you purchase, but a few must be manually applied prior to receiving the credit. If you don’t get every credit you deserve, you’re just leaving money on the table.
- Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
- Payment Discounts – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
- Driver’s Ed – Require your teen driver to successfully complete driver’s ed class in school.
- Passive Restraints and Air Bags – Vehicles equipped with air bags can get savings of up to 25% or more.
- Save with a New Car – Adding a new car to your policy is cheaper compared to insuring an older model.
- Good Student – Getting good grades can earn a discount of 20% or more. The good student discount can last until age 25.
- Homeowners Discount – Owning a house may earn you a small savings because of the fact that having a home shows financial diligence.
- Distant Student – Youth drivers living away from home attending college and don’t have a car can receive lower rates.
Consumers should know that some of the credits will not apply to the entire cost. Most cut individual premiums such as comp or med pay. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck. Any amount of discount will bring down your premiums.
For a list of companies offering insurance discounts, click this link.
Is my situation unique?
When choosing proper insurance coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.
Here are some questions about coverages that might point out if you may require specific advice.
- Do I have any recourse if my insurance company denies a claim?
- How much underlying liability do I need for an umbrella policy?
- Does medical payments coverage apply to all occupants?
- I have health insurance so do I need medical payments coverage?
- Am I missing any policy discounts?
- Do I need higher collision deductibles?
- Am I covered when driving on a suspended license?
If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.
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Are car insurance companies telling the truth?
Drivers can’t ignore all the ads for car insurance savings by Allstate, GEICO and Progressive. They all say the same thing of big savings if you change to their company.
But how can every company say the same thing?
All companies have a certain “appetite” for the type of driver that is profitable for them. An example of a driver they prefer might be profiled as over the age of 50, has no driving citations, and has a short commute. Any new insured that hits that “sweet spot” will get the preferred rates and therefore will cut their rates substantially.
Potential customers who don’t qualify for the requirements will be quoted more money and this can result in business going elsewhere. The ads state “people who switch” not “everybody who quotes” save that much money. This is how companies can claim big savings.
This emphasizes why drivers must quote coverage with many companies. It is impossible to predict which car insurance company will fit your personal profile best.
Auto insurance coverage options for a Chevy Venture
Understanding the coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.
Coverage for uninsured or underinsured drivers
This provides protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2002 Chevy Venture.
Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits are set the same as your liablity limits.
Coverage for medical expenses
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as doctor visits, funeral costs, rehabilitation expenses and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
Coverage for liability
This coverage will cover damage or injury you incur to other’s property or people. It protects YOU against other people’s claims. 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 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability can pay for claims like loss of income, structural damage, pain and suffering, emergency aid and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.
Collision coverage pays for damage to your Venture resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as colliding with another moving vehicle, hitting a parking meter, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.
Comprehensive auto insurance
Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as damage from getting keyed, damage from a tornado or hurricane, hitting a deer, theft and rock chips in glass. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Affordable insurance is out there
As you shop your coverage around, don’t be tempted to skimp on coverage in order to save money. There are too many instances where an accident victim reduced collision coverage only to regret that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage at the best price while still protecting your assets.
In this article, we presented some good ideas how you can save on 2002 Chevy Venture insurance. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the lowest premiums are with some of the smallest insurance companies.
Affordable insurance is attainable online as well as from independent agents, and you should compare price quotes from both to have the best selection. A few companies don’t offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.
To read more, feel free to visit the articles below:
- Think You’re a Safe Driver? (State Farm)
- Determing Auto Insurance Rates (GEICO)
- Auto Insurance Learning Center (State Farm)
- Booster Seat Ratings (iihs.org)
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