1999 Chevrolet Venture Insurance Cost

Trying to find cheaper car insurance rates for your Chevrolet Venture? Nobody I know enjoys paying for car insurance, in particular when they are paying too much. Numerous insurance companies battle to insure your vehicles, so it’s not easy to compare every insurer and uncover the absolute lowest rate possible.

It’s important to shop coverage around once or twice a year because insurance rates are rarely the same from one policy term to another. If you had the best rates for Venture insurance a year ago you can probably find a lower rate today. You can find a lot of wrong information about car insurance on the web, but we’re going to give you some excellent ideas to put money back in your pocket.

If you have insurance now or need a new policy, you can use this information to cut your premiums while maintaining coverages. Finding affordable coverage is not rocket science. Vehicle owners only need an understanding of the proper methods to shop their coverage around on the web.

Auto Insurance Comparisons

Finding a better price on auto insurance can be quick and easy. The only thing you need to do is take the time comparing rates online from several insurance companies. This can be accomplished in just a few minutes using one of these methods.

  1. The fastest way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do multiple quote forms for each company. A single, simple form compares rates from multiple low-cost companies.
  2. A more time consuming way to obtain and compare quotes online consists of going to each company website to complete a price quote. For instance, we’ll pretend you want to compare USAA, Liberty Mutual and Progressive. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but make absolute certain that you use apples-to-apples coverage limits on every quote. If you enter differing limits you will not be able to find the best deal for your Chevy Venture.

Factors that might impact rates for a Chevy Venture

An important part of buying insurance is that you know the factors that play a part in calculating the rates you pay for insurance coverage. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that will entitle you to big savings.

Shown below are some of the items used by your company to calculate prices.

  • Don’t let your coverage lapse – Letting your insurance expire is a fast way to trigger a rate increase. And not only will your rates increase, getting caught without coverage may earn you a revoked license or a big fine.
  • How’s your driving record? – Your driving record has a lot to do with how much you pay for insurance. Careful drivers get better rates compared to drivers with tickets. Even a single moving violation can boost insurance rates by twenty percent. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state motor vehicle department in order to keep their license.
  • Consolidate policies to earn discounts – Some insurance coverage companies will give a discount to customers who buy several policies from them in the form of a multi-policy discount. Even with this discount, it’s still a good idea to compare other company rates to verify if the discount is saving money. Drivers may still find better rates by splitting coverages up.
  • Better crash test results mean better rates – Vehicles with high crash test scores tend to have better insurance rates. Safer cars protect occupants better and fewer injuries translates into savings for insurance companies and thus lower rates. If your Chevy has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.

Companies offer discounts so take them!

Companies do not advertise all available discounts in an easy-to-find place, so here is a list some of the best known and the harder-to-find ways to save on insurance. If they aren’t giving you every credit available, you are throwing money away.

  • Paperwork-free – A few companies may give you up to $50 just for signing your application digitally online.
  • Claim Free – Drivers with accident-free driving histories pay much less as compared to drivers who are more careless.
  • Discount for Swiching Early – Some companies give discounts for switching policies prior to your current policy expiring. The savings is around 10%.
  • Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • No Charge for an Accident – A few companies will forgive one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • Homeowners Savings – Being a homeowner can help you save on insurance because owning a home shows financial diligence.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off for Venture insurance with select insurance companies.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.

Keep in mind that most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you could get a free insurance policy, companies don’t profit that way.

Companies that may offer some of the above discounts include:

Double check with each company which discounts you may be entitled to. All car insurance discounts may not be available in your area.

Do I just need basic coverages?

When it comes to choosing the best auto insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions could help you determine whether or not you will benefit from professional help.

  • How many claims can I have before being cancelled?
  • How high should my uninsured/underinsured coverage be in my state?
  • When does my teenage driver need to be added to my policy?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I have coverage for damage caused while driving under the influence?
  • What is high-risk coverage and where do I buy it?
  • Do I need medical payments coverage since I have good health insurance?
  • How high should deductibles be on a 1999 Chevy Venture?
  • Am I covered when using my vehicle for business?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverages for a 1999 Chevy Venture

Having a good grasp of your auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from auto insurance companies.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for hospital visits, ambulance fees and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Chevy Venture.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, vandalism, fire damage and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage protection

This coverage pays to fix your vehicle from damage caused by 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 can pay for things like backing into a parked car, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Auto liability

This will cover damage or injury you incur to a person or their property. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has 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 liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like loss of income, medical expenses, legal defense fees and medical services. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Don’t throw your cash in the trash

While you’re price shopping online, make sure you don’t skimp on coverage in order to save money. In many instances, consumers will sacrifice liability coverage limits to discover at claim time that it was a big mistake. The proper strategy is to find the BEST coverage at a price you can afford, not the least amount of coverage.

We just covered many tips how you can get a better price on 1999 Chevy Venture insurance. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. You may even discover the most savings is with the least-expected company. Some small companies can often provide lower rates in certain areas compared to the large companies like Progressive or Geico.

Additional detailed information is available at these sites: