View 1991 Chevrolet Chevy Van Insurance Quotes

Want the cheapest auto insurance rates for your Chevrolet Chevy Van? Have you had enough of robbing Peter to pay Paul to make your auto insurance payment? You’re in the same situation as most other drivers. Popular companies such as GEICO, 21st Century and Progressive constantly blast consumers with catchy ads and it is difficult to ignore the flashy ads and find the best price available.

Smart consumers take time to compare premium rates before your policy renews since prices change frequently. Even if you got the best price on Chevy van insurance a year ago you can probably find a better rate quote now. Forget anything you know (or think you know) about auto insurance because we’re going to show you the quickest way to save on auto insurance.

If you have a current car insurance policy or are just looking to switch companies, you can learn to reduce the price you pay while maximizing coverage. Buying car insurance is not rocket science. Vehicle owners just need to know the best way to find the lowest price online.

Compare free car insurance rate quotes

There are several ways to compare car insurance prices but some are less labor-intensive and much quicker. You can waste hours discussing policy coverages with insurance companies in your area, or you could save time and use the internet to get pricing more quickly.

Many companies participate in an industry program that enables customers to complete one form, and each company provides a quote for coverage. This eliminates the need for quote requests for each company you want a rate for.

To find out what other companies charge click here to open in new window.

The only drawback to getting quotes like this is buyers cannot specifically choose which providers you want to price. So if you want to choose specific insurance companies to compare prices, we have a listing of car insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, ensure you’re using identical information for each quote you get. If you enter different data it will be very difficult to find the best deal for your Chevy Chevy Van.

Which policy gives me the best coverage?

When it comes to buying adequate coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if your insurance needs would benefit from professional advice.

  • Do I need motorclub coverage?
  • Is a fancy paint job covered?
  • Will filing a claim cost me more?
  • Should I have a commercial auto policy?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I have newly-aquired coverage?
  • Do all my vehicles need collision coverage?
  • Does insurance cover tools stolen from my truck?
  • How much liability insurance is required?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and may give you better protection.

Car insurance policy coverages for a 1991 Chevy Chevy Van

Learning about specific coverages of your car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverages available from car insurance companies.

Collision coverage – This coverage covers damage to your Chevy Van caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like driving through your garage door, hitting a parking meter, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for expenses such as doctor visits, prosthetic devices and pain medications. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like fire damage, hitting a bird, damage from flooding, rock chips in glass and hail damage. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Chevy Chevy Van.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Auto liability – Liability coverage provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things such as emergency aid, attorney fees, repair bills for other people’s vehicles, court costs and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying higher limits if possible.