Lower Your 1993 Chevrolet Sportvan Insurance Quotes

Searching for the cheapest auto insurance rates? Consumers have options when looking for the best price on Chevy Sportvan insurance. They can either waste time struggling with agents getting price quotes or leverage the internet to find the lowest rates.

There are both good and bad ways to find auto insurance online so you’re going to learn the best way to price shop coverage for your Chevy and get the best price possible either online or from local insurance agents.

It’s a great practice to compare rates once or twice a year because rates change frequently. If you had the best premium rates on Sportvan coverage a few years ago you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the proper way to save money, get proper deductibles and limits, all at the lowest rate.

Find hidden discounts to get affordable car insurance quotes

Some insurance providers don’t necessarily list every possible discount very clearly, so the next list breaks down a few of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.

• Defensive Driver – Taking time to complete a class that teaches safe driver techniques may get you a small discount if you qualify.
• Drive Less and Save – Low mileage vehicles can qualify you for cheaper prices.
• Early Switch Discount – A few insurance companies allow discounts for renewing your policy early. You can save around 10% with this discount.
• Drivers Ed for Students – It’s a good idea to have your young drivers participate in a local driver’s education class if it’s offered in school.
• Theft Deterent Discount – Cars and trucks that have factory anti-theft systems prevent vehicle theft and will qualify for a discount on a auto insurance quote.
• Senior Citizen Discount – Older drivers may be able to get a small discount on rates on Sportvan coverage.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase life insurance from them.
• Braking Control Discount – Cars, trucks, and SUVs equipped with ABS or steering control are safer to drive and will save you 10% or more.

Keep in mind that most credits do not apply to your bottom line cost. Most cut the cost of specific coverages such as comp or med pay. So when the math indicates you can get free auto insurance, nobody gets a free ride.

To see a list of companies that can offer you the previously mentioned discounts, click here to view.

The most recommended method to get policy rate comparisons utilizes the fact all the major auto insurance companies have advanced systems to compare their rates. To start a quote, the only thing you need to do is provide a small amount of information like your general credit rating, how many miles driven, if the car is leased, and the year, make and model of vehicles. Your information is instantly provided to many different companies and they provide comparison quotes instantly.

Tailor your insurance coverage coverage to you

When buying adequate coverage for your vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions can help discover if your situation would benefit from professional advice.

• Is extra glass coverage worth it?
• When should I remove comp and collision on my 1993 Chevy Sportvan?
• Should I rate my 1993 Chevy Sportvan as pleasure use or commute?
• What are the best liability limits?
• Which is better, split liability limits or combined limits?
• Is borrowed equipment or tools covered if stolen or damaged?
• Is my camper covered by my car insurance policy?
• Do I have any recourse if my insurance company denies a claim?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Car insurance coverages for a Chevy Sportvan

Knowing the specifics of your insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for short-term medical expenses such as EMT expenses, hospital visits, X-ray expenses and ambulance fees. They can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

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

Collision coverage protects against things such as colliding with another moving vehicle, driving through your garage door and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Coverage for liability – This coverage will cover damage that occurs to a person or their property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things like court costs, structural damage, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance – Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as hail damage, rock chips in glass and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Smart shoppers get results

Consumers leave their current company for many reasons like being labeled a high risk driver, an unsatisfactory settlement offer, policy non-renewal and even lack of trust in their agent. No matter why you want to switch, finding the right insurance coverage provider can be easy and end up saving you some money.

Cheaper insurance coverage is definitely available online in addition to local insurance agencies, and you should be comparing both to have the best rate selection. Some companies don’t offer the ability to get quotes online and usually these small insurance companies only sell coverage through local independent agencies.

When getting auto insurance quotes online, you should never buy poor coverage just to save money. There have been many situations where someone sacrificed collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your objective should be to purchase plenty of coverage at an affordable rate, but don’t skip important coverages to save money.

More information is available at the links below

• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)
• What is a Telematics Device? (Allstate)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Teen Driving Statistics (iihs.org)
• Booster Seat Ratings (iihs.org)