Save on 1994 Chevrolet Sportvan Car Insurance Quotes

Searching for better insurance rates for your Chevrolet Sportvan? Scraping up a payment for overpriced Chevrolet Sportvan insurance can take a big chunk out of your bank account and force you to prioritize other expenses. Doing a price comparison is a great way to reduce premiums and put more money in your pocket.

Having so many insurance companies to choose from, it’s difficult to find the right car insurance company.

Factors that can influence Chevy Sportvan insurance rates

Consumers need to have an understanding of some of the elements that come into play when calculating your auto insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that could result in much lower annual insurance costs.

  • An active claims history can cost you – If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance companies give lower rates to policyholders who file claims infrequently. Auto insurance is intended for major claims that would cause financial hardship.
  • Pay less after the wedding – Having a wife or husband actually saves money on your policy. Having a significant other translates into being more responsible and statistics show married drivers get in fewer accidents.
  • Multiple policies with one company can save – Some insurance companies provide better rates to customers who buy several policies from them such as combining an auto and homeowners policy. This can amount to 10 percent or more. Even if you’re getting this discount it’s still a good idea to comparison shop to ensure the best deal.
  • Men are more aggressive – Statistics have proven that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. They both are in accidents at a similar rate, but the males cause more damage. They also have more aggressive citations such as DWI and reckless driving. Young males tend to get in the most accidents and are penalized with high auto insurance rates.

How to reduce Chevy Sportvan insurance rates

Car insurance companies don’t always advertise all their discounts in an easy-to-find place, so here is a list both the well known as well as the least known discounts you could be receiving.

  • Accident Free – Claim-free drivers can earn big discounts as compared to drivers who are more careless.
  • Driver Safety – Taking a defensive driving course could save 5% or more if you qualify.
  • Auto/Life Discount – Some companies give lower rates if you buy life insurance.
  • Homeowners Pay Less – Being a homeowner may trigger a auto insurance policy discount due to the fact that maintaining a home requires personal responsibility.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can receive discounts up to 30%.
  • Early Switch Discount – Some companies give discounts for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Paperwork-free – A handful of insurance companies may give you up to $50 for buying a policy and signing up over the internet.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you could get a free auto insurance policy, companies wouldn’t make money that way.

For a list of providers who offer auto insurance discounts, follow this link.

Do you really save 40% when you switch?

Insurance coverage companies such as State Farm, Geico and Progressive regularly use ads in print and on television. They all seem to make an identical promise about savings if you move to them. How can each company claim to save you money?

Insurance companies are able to cherry pick for the type of driver that is profitable for them. For instance, a desirable insured might be profiled as between 30 and 50, has no tickets, and drives less than 7,500 miles a year. Any driver who fits that profile gets the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who don’t qualify for these standards must pay a more expensive rate which usually ends up with business going elsewhere. The ad wording is “customers who switch” not “everyone that quotes” save that much money. This is how companies can state the savings. This illustrates why it’s extremely important to get quotes from several different companies. Because you never know which insurance coverage company will have the lowest Chevy Sportvan insurance rates.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that may help you determine if you may require specific advice.

  • Do I need an umbrella policy?
  • Am I missing any policy discounts?
  • Why is insurance for a teen driver so high?
  • Do I really need UM/UIM coverage?
  • Do I need added coverage for expensive stereo equipment?
  • Where can I get insurance after a DUI in my state?
  • Am I covered if my car is in a flood?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Car insurance policy specifics

Learning about specific coverages of a car insurance policy helps when choosing the right coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages offered by car insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 1994 Chevy Sportvan.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for expenses for things like funeral costs, X-ray expenses, chiropractic care and nursing services. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability coverage

This coverage provides protection from damage that occurs to other people or property that is your fault. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like structural damage, medical services, funeral expenses and loss of income. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, rock chips in glass, a broken windshield and falling objects. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision insurance

This coverage pays for damage to your Sportvan from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as scraping a guard rail, sideswiping another vehicle, colliding with another moving vehicle, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Be Smart and Buy Smart

Discount 1994 Chevy Sportvan insurance can be found both online in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies do not provide you the ability to get quotes online and these smaller companies work with independent agents.

As you restructure your insurance plan, make sure you don’t reduce coverage to reduce premium. There are many occasions where an insured cut uninsured motorist or liability limits and discovered at claim time they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

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