1991 Chevrolet Chevy Van Car Insurance Rates

Want better insurance rates for your Chevrolet Chevy Van? Overpriced Chevrolet Chevy Van insurance can eat up your accounts and require stricter spending habits. Performing a price comparison is a great way to slash your bill and have more diposable income.

Drivers have multiple car insurance companies to choose from, and though it is a good thing to have multiple companies, it makes it harder to compare rates and cut insurance costs.

It’s smart to do price comparisons occasionally because prices are usually higher with each renewal. Just because you found the best price on Chevy van coverage a few years ago you will most likely find a better rate quote today. Forget anything you know (or think you know) about insurance because you’re going to learn how to use the internet to remove unneeded coverages and save money.

Finding affordable coverage is not rocket science. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these methods. Drivers just need to know the proper methods to shop their coverage around online.

Find hidden discounts to get affordable insurance rates

Insurance can be pricey, but you may qualify for discounts that can help lower your rates. Many discounts should be triggered when you quote, but occassionally some discounts must be asked for before you will receive the discount.

  • Responsible Driver Discounts – Safe drivers may save up to 50% more on Chevy van coverage compared to accident prone drivers.
  • Air Bag Discount – Factory air bags or motorized seat belts could see savings of up to 25% or more.
  • Active Service Discounts – Being on active deployment in the military may lower your insurance rates slightly.
  • Discount for Low Mileage – Low annual miles may allow you to get lower premium rates on the low mileage vehicles.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and that can save you a little bit as well.
  • New Car Discount – Putting coverage on a new car can save up to 30% due to better safety requirements for new model year vehicles.
  • Discounts for Federal Employees – Employees or retirees of the government could cut as much as 10% off on Chevy van coverage with certain companies.

It’s important to note that most credits do not apply the the whole policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it’s just not the way it works.

Car insurance companies that have most of these discounts include:

When quoting, ask each company which discounts can lower your rates. Discounts might not apply in your state.

How to find affordable car insurance

Lowering your 1991 Chevy Chevy Van car insurance rates is surprisingly easy. The only requirement is to spend a little time getting comparison quotes from different insurance companies. Comparing prices online can be done using one of these methods.

  1. The most efficient way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This type of form saves time by eliminating repetitive form submissions for every prospective company. A single, simple form will get you rate comparisons instantly.
  2. Another way to find more affordable insurance requires you to visit the website for each individual company and repeat the quote process. For sake of this example, we’ll assume you want to see prices from Liberty Mutual, Farmers and GEICO. To get each rate you have to spend time going to each site individually and enter your information, which can get rather old.

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

However you get your quotes, try to use the exact same coverage limits with each company. If you enter different data it will be impossible to determine the lowest rate for your Chevy Chevy Van.

Five things that affect your insurance costs

It’s important that you understand the different types of things that aid in calculating the rates you pay for car insurance. If you have some idea of what positively or negatively impacts your premiums, this enables you to make decisions that can help you get much lower annual insurance costs. Many factors are used when you get a price on insurance. Most are fairly basic such as traffic violations, but other criteria are not quite as obvious like your continuous coverage or how financially stable you are.

The items below are just a few of the factors car insurance companies consider when setting your rate level.

  • Younger drivers pay higher premiums – Older people are more cautious drivers, cost insurance companies less in claims .Teen drivers are statistically shown to be easily distracted in a vehicle so car insurance rates are higher.
  • Rates can be impacted by your occupation – Did you know your career choice can influence rates? Careers such as lawyerspolice officers and accountants usually pay higher premiums than the average policyholder due to high stress and long work days. Other professions such as farmers, engineers and homemakers pay lower than average rates on Chevy van coverage.
  • Drive less and get lower premiums – The more miles you rack up on your Chevy in a year’s time the more it will cost to insure it. The majority of insurers charge to insure your cars based upon how much you drive. Vehicles that sit idle most of the time qualify for better rates than cars that get driven a lot. Having the wrong rating on your Chevy Van is just wasting money. Make sure your car insurance coverage correctly shows how each vehicle is driven.
  • Higher comp and collision deductibles save money – Insurance for physical damage, otherwise known as comp (or other than collision) and collision, protects your Chevy from damage. Some instances where coverage would apply would be colliding with a building, vandalism, and having your car stolen. The deductibles are the amount of money you are required to spend out-of-pocket if the claim is covered. The more you have to pay, the less your company will charge you for insurance on Chevy van coverage.
  • Uninterrupted coverage lowers premiums – Letting your insurance expire is a guaranteed way to pay more for car insurance. Not only will you pay higher rates, being ticketed for driving with no insurance might get you a hefty fine and possibly a revoked license.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage, there isn’t really a cookie cutter policy. Each situation is unique so your insurance should reflect that Here are some questions about coverages that could help you determine if your situation would benefit from an agent’s advice.

  • Should I bundle my homeowners policy with my auto?
  • Can I afford to pay high deductible claims out of pocket?
  • Am I covered when pulling a rental trailer?
  • What is covered by UM/UIM coverage?
  • When should I drop full coverage on my 1991 Chevy Chevy Van?
  • How high should my uninsured/underinsured coverage be in my state?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverages for a Chevy Chevy Van

Understanding the coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages found on most auto insurance policies.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for expenses for nursing services, funeral costs, pain medications, hospital visits and surgery. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Liability – This coverage will cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers claims like funeral expenses, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage – This coverage pays for 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 pays for claims like hitting a deer, hail damage, damage from flooding and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverages – This pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as rolling your car, scraping a guard rail and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

A little work can save a LOT of money

When getting insurance coverage quotes online, it’s very important that you do not skimp on coverage in order to save money. There have been many situations where someone sacrificed liability coverage limits and learned later that it was a big error on their part. Your aim should be to purchase plenty of coverage for the lowest cost but still have enough coverage for asset protection.

In this article, we covered a lot of techniques to shop for 1991 Chevy Chevy Van insurance online. The key concept to understand is the more you quote insurance coverage, the higher the chance of saving money. Consumers may even find the most savings is with an unexpected company. They may only write in your state and offer lower rates compared to the large companies like Progressive and GEICO.

Additional detailed information can be read in these articles: