1991 Chevrolet R/V 3500 Series Car Insurance Quotes – 8 Tips to Save

Trying to find the cheapest insurance for a Chevy R/V 3500 Series can turn out to be difficult, but you can learn the following methods to make it easier. There are more efficient ways to find car insurance online and you need to know the quickest way to price shop coverage on a Chevy and get the lowest price from both online companies and local agents.

Compare the Market for Car Insurance

Reducing your 1991 Chevy R/V 3500 Series insurance rates doesn’t have to be difficult. You just have to take the time to get quotes online from several insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

The single most time-saving way to find low rates is a comparison rater form (click to open form in new window). This method prevents you from having to do a different quote for every car insurance company. A single form compares rates from multiple low-cost companies. This is perfect if you don’t have a lot of time.
A different way to obtain and compare quotes online consists of going to the website of each company to request a price quote. For example, we’ll assume you want rates from Auto-Owners, Safeco and State Farm. To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why the first method is quicker.
For a list of links to insurance companies in your area, click here.
The most time-consuming method of comparing rate quotes is driving around to local insurance agencies. Shopping for car insurance online makes this process obsolete unless you have a need for the professional advice only provided by licensed agents. It is possible to compare online quotes and still use a local agent and you’ll learn how to do that later.

It’s your choice how you get your quotes, but double check that you are using apples-to-apples information for each comparison quote. If you are comparing different deductibles it will be very difficult to make a fair comparison for your Chevy R/V 3500 Series.

Will just any policy work for me?

When choosing proper insurance coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is a little different.

These are some specific questions might help in determining whether you would benefit from an agent’s advice.

Am I covered if I wreck a rental car?
Who is covered by my policy?
How much can I save by bundling my policies?
Why am I required to get a high-risk car insurance policy?
Am I getting all the discounts available?
What is roadside assistance coverage?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Specific coverages for a 1991 Chevy R/V 3500 Series

Knowing the specifics of insurance helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

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

Comprehensive coverage protects against claims such as hitting a bird, hail damage and fire damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage

Liability coverage provides protection from damage that occurs to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like repair bills for other people’s vehicles, structural damage and funeral expenses. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Coverage for collisions

Collision insurance will pay to fix damage to your R/V 3500 Series resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with another moving vehicle, sideswiping another vehicle, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for chiropractic care, ambulance fees and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage