2001 Chevrolet Venture Car Insurance Quotes

Looking for the cheapest insurance coverage rates for your Chevrolet Venture? Are you sick and tired of being strong-armed to insure your Chevy every month? You are in the same boat as many other drivers. There is such a variety of insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, it can be more challenging to compare company pricing.

Why your Chevy Venture might be costing you more

It’s important that you understand the different types of things that play a part in calculating car insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that may reward you with better car insurance rates.

Shown below are a partial list of the pieces used by your company to calculate rates.

  • No coverage gaps is important – Driving without insurance is a misdemeanor and car insurance companies will penalize you for letting your coverage have a gap. And not only will insurance be more expensive, but being ticketed for driving with no insurance can result in a revoked license or a big fine.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Higher safety ratings means cheaper insurance – Safer cars get lower rates. Safer cars protect occupants better and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If the Chevy Venture earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • More people means more accidents – Residing in a small town can save you money when talking about car insurance. Fewer people means fewer accidents as well as less vandalism and auto theft. City drivers have traffic congestion and longer commutes to work. More time commuting means higher likelihood of an accident.
  • Add-on coverages can add up – There are many additional coverages you can purchase when buying car insurance. Insurance for roadside assistance, better glass coverage and motor club memberships are examples of these. These coverages may sound good when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
  • Are you male or female? – Statistics demonstrate women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. Both sexes cause accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically get more serious tickets such as reckless driving.
  • Liability coverage protects you – Liability insurance is the coverage that protects you in the event that you are found liable for personal injury or accident damage. It provides for a legal defense up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so do not skimp.

Automobile Insurance Quotes

Most companies such as State Farm, Geico and Progressive give prices on their websites. Getting online quotes doesn’t take much effort as you just enter the coverages you want into the quote form. After you submit the form the system orders your credit score and driving record and quotes a price based on these factors. This simplifies rate comparisons, but the time required to go to several different sites and enter the same data into a form gets old quite quickly. But it’s very important to compare as many rates as possible if you are searching for better prices.

A quicker way to find lower prices utilizes a single form to obtain quotes from a lot of companies. This type of form saves time, eliminates repetitive work, and makes rate comparisons much easier. Once the form is submitted, your coverage is rated and you are able to buy any of the resulting price quotes.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The whole process can be completed in less than 10 minutes and you’ll know if lower rates are available.

To compare rates using this form now, click here to open in new window and input your coverage information. To compare your current rates, we recommend you type in coverages and limits just like they are on your policy. This guarantees you will receive a fair comparison based on the exact same insurance coverage.

Cut your premium with discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that many people don’t even know exist. Some discounts apply automatically when you complete an application, but some must be inquired about prior to receiving the credit. If you don’t get every credit you deserve, you are throwing money away.

  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • No Accidents – Good drivers with no accidents pay less when compared with drivers who are more careless.
  • Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on Venture insurance with select insurance companies.
  • Senior Citizens – If you’re over the age of 55, you may qualify for a small decrease in premiums on Venture insurance.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts can get savings of more than 20%.
  • Good Student Discount – Getting good grades can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Early Switch Discount – Some companies give discounts for switching policies before your current policy expires. It’s a savings of about 10%.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.

Keep in mind that most of the big mark downs will not be given the the whole policy. A few only apply to specific coverage prices like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, you won’t be that lucky. But any discount will help reduce your overall premium however.

Car insurance companies that may have these discounts may include but are not limited to:

It’s a good idea to ask every prospective company how you can save money. Some discounts might not be offered in every state.

What is the best insurance coverage?

When buying the best car insurance coverage, there really is no perfect coverage plan. Each situation is unique so your insurance should reflect that For instance, these questions can aid in determining whether or not you could use an agent’s help.

  • Am I better off with higher deductibles on my 2001 Chevy Venture?
  • Can I afford to buy a different vehicle if my 2001 Chevy Venture is totaled?
  • Am I covered when pulling a rental trailer?
  • Is my 2001 Chevy Venture covered for smoke damage?
  • Why am I required to get a high-risk car insurance policy?
  • Is pleasure use cheaper than using my 2001 Chevy Venture to commute?
  • What is UM/UIM insurance?
  • When should I drop full coverage on my 2001 Chevy Venture?
  • Should I drop comprehensive coverage on older vehicles?

If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Specifics of your insurance policy

Knowing the specifics of insurance can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, hail damage, damage from flooding, fire damage and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage – Liability coverage will cover damage that occurs to other people or property in an accident. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like pain and suffering, loss of income, repair bills for other people’s vehicles, medical services and repair costs for stationary objects. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for expenses such as hospital visits, ambulance fees and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.

Collision coverages – Collision insurance will pay to fix damage to your Venture from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a mailbox, sideswiping another vehicle, driving through your garage door and crashing into a ditch. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Stretch your dollar

Cost effective 2001 Chevy Venture insurance can be bought both online and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. A few companies may not provide online price quotes and these regional insurance providers work with independent agents.

As you prepare to switch companies, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice collision coverage and learned later that the savings was not a smart move. The aim is to buy enough coverage at the best price while not skimping on critical coverages.

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