Compare 1998 Chevrolet Chevy Van Insurance Rates

Want the cheapest car insurance rates for your Chevrolet Chevy Van? Trying to find the cheapest insurance for a Chevy Chevy Van can normally be a painful process, but you can use a few tricks to make it easier. There is a better way to compare car insurance rates and you need to know the best way to price shop coverage for a new or used Chevy and obtain the lowest possible price from local insurance agents and online providers.

It’s a great practice to price shop coverage periodically because insurance rates are variable and change quite frequently. If you had the best price on Chevy van insurance last year you will most likely find a better rate today. Starting now, forget anything you know (or think you know) about car insurance because I’m going to teach you the best way to reduce your cost while increasing coverage.

Free Insurance Coverage Quotes

Getting a lower price on 1998 Chevy Chevy Van insurance can be surprisingly simple. The only thing you need to do is spend a little time to compare rate quotes online with multiple companies. This is very easy and can be done in a couple of different ways.

1. The recommended way to get quotes for comparison is a comparison rater form click here to open form in new window. This type of form saves time by eliminating repetitive form entry for each company. Completing one form gets you coverage quotes from multiple companies. Just one form and you’re done.
2. A slightly less efficient method to shop for insurance coverage online requires a trip to the website for every company you want to comare and fill out their own quote form. For example, let’s assume you want to compare Nationwide, Liberty Mutual and Progressive. To get each rate you have to spend time on each company’s site to input your insurance information, which is why the first method is quicker.

   For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but ensure you are comparing apples-to-apples quote information for each price quote. If you have different limits and deductibles on each one it will be impossible to determine the best price for your Chevy Chevy Van.

Lots of discounts mean lots of savings

Companies do not list all available discounts in a way that’s easy to find, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount you deserve, you are throwing money away.

• Federal Employees – Simply working for the federal government can earn a discount up to 10% on Chevy van insurance with a few car insurance companies.
• Military Rewards – Being deployed with a military unit could be rewarded with lower premiums.
• Auto/Life Discount – Some companies give a break if you buy auto and life insurance together.
• Memberships – Affiliation with a qualifying organization is a good way to get lower rates on car insurance on Chevy van insurance.
• Resident Student – Children living away from home attending college and do not have a car may be able to be covered for less.

Consumers should know that most discounts do not apply the the whole policy. Most only cut specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, companies don’t profit that way.

To see a list of insurance companies with the best car insurance discounts, click here to view.

Situations that might require an agent

When choosing the best insurance coverage, there is no “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that might point out if your situation would benefit from professional advice.

• What is the difference between comprehensive and collision coverage?
• Which is better, split liability limits or combined limits?
• Does car insurance cover theft of personal property?
• Is my business laptop covered if it gets stolen from my vehicle?
• Do I need replacement cost coverage?
• What happens if I owe more than my 1998 Chevy Chevy Van is worth?
• How much liability do I need to cover my assets?
• How high should my medical payments coverage be?
• Can my teen drive my company car?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

Auto insurance 101

Learning about specific coverages of insurance aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Liability insurance – This protects you from damage that occurs to people or other property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like emergency aid, bail bonds, legal defense fees, structural damage and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive coverage – Comprehensive insurance will pay to fix 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 like hitting a deer, rock chips in glass, a tree branch falling on your vehicle and vandalism. The most a 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.

Medical payments coverage and PIP – Med pay and PIP coverage pay for expenses such as surgery, nursing services and dental work. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision coverage covers damage to your Chevy Van from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a building, damaging your car on a curb, scraping a guard rail and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Chevy Chevy Van.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.