1993 Chevrolet Chevy Van Insurance Quotes – 9 Policy Discounts

Want the cheapest insurance rates for your Chevrolet Chevy Van? Finding affordable insurance can seem to be challenging for beginners to buying insurance online. Consumers have so many choices that it can easily become a ton of work to compare prices.

Best discounts on 1993 Chevy Chevy Van coverage

Car insurance can cost a lot, but discounts can save money and there are some available to help offset the cost. Certain discounts will be triggered automatically at the time of purchase, but some must be inquired about before you will receive the discount.

  • Club Memberships – Participating in certain professional organizations could qualify you for a break on insurance coverage for Chevy van coverage.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class in school.
  • E-sign – A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
  • Senior Citizens – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums for Chevy van coverage.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off for Chevy van coverage with a few insurance coverage companies.
  • Driver Safety – Successfully completing a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Accident Waiver – Certain companies will allow you to have one accident without raising rates if your claims history is clear prior to the accident.
  • Student in College – Children who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Safe Driver Discount – Safe drivers may save up to 50% more for Chevy van coverage than less cautious drivers.

Drivers should understand that some credits don’t apply to all coverage premiums. Most only cut the price of certain insurance coverages like medical payments or collision. So when it seems like all those discounts means the company will pay you, companies don’t profit that way. Any amount of discount will cut the cost of coverage.

For a list of companies who offer insurance coverage discounts, click this link.

Do you really save 40% when you switch?

Insurance coverage companies such as State Farm, Geico and Progressive constantly bombard you with ads on television and other media. They all seem to say the same thing that you’ll save big if you switch your policy. How do they all say the same thing?

Insurance companies have a certain “appetite” for the driver they prefer to insure. For instance, a driver they prefer might be between the ages of 40 and 55, is a homeowner, and has excellent credit. A customer that hits that “sweet spot” will get the preferred rates and is almost guaranteed to pay quite a bit less when switching companies.

Drivers who do not match the “perfect” profile must pay higher rates and ends up with business not being written. The ads say “drivers who switch” not “people who quote” save that much money. That’s the way companies can truthfully advertise the way they do.

This illustrates why drivers should get a wide range of price quotes. It’s just too difficult to predict which insurance coverage company will provide you with the cheapest Chevy Chevy Van insurance rates.

Tailor your coverage to you

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique.

For example, these questions may help highlight whether your personal situation will benefit from professional help.

  • Will my rates increase for filing one claim?
  • Is my state a no-fault state?
  • Which companies will insure high-risk drivers?
  • Am I covered if my car is in a flood?
  • Is my dog or cat covered if injured in an accident?
  • How can I get my company to pay me more for my totalled car?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance coverage considerations

Having a good grasp of auto insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive auto insurance – This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, hail damage, vandalism, damage from getting keyed and hitting a deer. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for bills like X-ray expenses, dental work, pain medications and funeral costs. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Collision – This covers damage to your Chevy Van resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a parking meter, colliding with another moving vehicle, crashing into a ditch, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers – This gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 1993 Chevy Chevy Van.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Liability auto insurance – Liability insurance will cover damage that occurs to people or other property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like medical expenses, bail bonds, structural damage, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Smart shoppers get results

Cheap 1993 Chevy Chevy Van insurance can be bought on the web and with local insurance agents, and you should be comparing both to get a complete price analysis. Some insurance providers do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. There have been many cases where someone dropped physical damage coverage and learned later they didn’t have enough coverage. Your aim should be to find the BEST coverage at an affordable rate.

Insureds change insurance companies for many reasons like unfair underwriting practices, an unsatisfactory settlement offer, lack of trust in their agent and even being labeled a high risk driver. It doesn’t matter why you want to switch finding the right auto insurance provider is not as difficult as it may seem.

More detailed auto insurance information can be found in the articles below: