1997 Chevrolet Chevy Van Insurance Quotes

Want lower auto insurance rates for your Chevrolet Chevy Van? If you’re trying to find lower-cost insurance online, are you overwhelmed by the sheer number of auto insurance sources in your area? Many other drivers are as well. You have so many choices that it can really be more work than you anticipated to find the lowest price.

Locating the cheapest protection is not that difficult. Basically, every vehicle owner who carries insurance coverage will most likely be able to cut their insurance bill. But vehicle owners can benefit by having an understanding of the methods companies use to sell online and take advantage of how the system works.

Buy car insurance online

The are a couple different ways to obtain and compare prices from all the different companies. The easiest way to find the cheapest Chevy Chevy Van insurance rates is to get quotes online. This can be accomplished in just a few minutes using one of these methods.

  • The best way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This form keeps you from doing separate quote forms for every car insurance company. Completing one form compares rates from all major companies.It’s the quickest way to get rates.
  • A slightly less efficient method to get quotes online requires a trip to the website of each company and repeat the quote process. For sake of this example, let’s assume you want to compare Progressive, 21st Century and GMAC. You would be required to navigate to each company’s site and enter your information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

However you get your quotes, ensure you’re using the same quote information for every company. If you compare different liability limits you will not be able to make a fair rate comparison. Just a small difference in coverages could throw off the whole comparison. It’s important to know that comparing more company’s prices increases the change that you will find more affordable rates.

Affordable insurance coverage rates with discounts

Insurance can cost an arm and a leg, but there’s a good chance there are discounts that may help make it more affordable. Larger premium reductions will be automatically applied when you complete an application, but a few must be asked for before they will apply.

  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in high school.
  • Homeowners Pay Less – Owning a house can save you money due to the fact that maintaining a home requires personal responsibility.
  • Lower Rates for Military – Having a deployed family member could mean lower prices.
  • Pay Now and Pay Less – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save 5% or more.
  • Buy New and Save – Buying a new car model may earn a small discount compared to insuring an older model.
  • Theft Deterent – Cars, trucks, and SUVs with anti-theft systems are less likely to be stolen and will save you 10% or more.
  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance from them.
  • No Claim Discounts – Insureds who avoid accidents and claims can earn big discounts as opposed to policyholders that have many claims.
  • Accident Forgiveness Coverage – This one isn’t a discount, but a few companies such as State Farm and GEICO may permit one accident without raising rates so long as you are claim-free for a particular time prior to the accident.
  • Discounts for Government Workers – Having worked for a branch of the government may qualify for a discount when you quote insurance for Chevy van insurance but check with your company.

You should keep in mind that many deductions do not apply to the entire policy premium. Most cut the cost of specific coverages such as medical payments or collision. So when it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Companies and their offered discounts are shown below.

  • GEICO offers premium reductions for emergency military deployment, seat belt use, daytime running lights, anti-theft, anti-lock brakes, and multi-vehicle.
  • Travelers offers discounts including new car, multi-policy, student away at school, driver training, hybrid/electric vehicle, and payment discounts.
  • Farm Bureau has savings for youthful driver, 55 and retired, multi-vehicle, driver training, and multi-policy.
  • Liberty Mutual may offer discounts for hybrid vehicle, multi-policy, new move discount, safety features, and newly married.
  • American Family may have discounts that include multi-vehicle, mySafetyValet, good student, defensive driver, and bundled insurance.
  • Progressive may include discounts for homeowner, multi-vehicle, online signing, continuous coverage, and good student.

If you want low cost insurance quotes, ask every prospective company the best way to save money. Depending on the company, some discounts might not be offered in your area. If you would like to view companies that offer the discounts shown above, click here to view.

Four factors that affect insurance costs

Many different elements are used in the calculation when you get a price on insurance. Some are obvious such as your driving history, but some are more obscure like your vehicle usage or your financial responsibility.

  • Cheaper rates by combining – Lots of insurance companies apply lower prices to insureds who have multiple policies with them, otherwise known as a multi-policy discount. This can amount to as much as ten percent or more If you currently are using one company, you still need to get quotes from other companies to guarantee you are still saving the most. It’s possible to still find better rates even if you have your coverage with different companies
  • Safer cars cost less to insure – Vehicles with high crash test scores tend to have better insurance rates. These vehicles result in less severe injuries and any reduction in injury severity translates directly to fewer claims which can result in lower premiums. 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 you are probably receiving a discount.
  • More miles equals more premium – The more miles you rack up on your Chevy each year the higher your rates will be. The majority of insurers apply a rate based upon how you use the vehicle. Cars that are left in the garage qualify for better rates than those that get driven frequently. A policy that improperly rates your Chevy Van may be costing you higher rates. It’s a smart idea to ensure your policy correctly shows the correct usage, because it can save money.
  • Always keep your policy in place – Driving any period of time without insurance can get you a ticket and companies may charge more for letting your insurance lapse for non-payment. In addition to paying higher rates, failure to provide proof of insurance could result in a steep fine or even jail time. You may then have to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different.

For example, these questions might point out whether you could use an agent’s help.

  • Should I buy additional glass protection?
  • Does liability extend to a camper or trailer?
  • Is a fancy paint job covered?
  • When can my company non-renew my policy?
  • Is my 1997 Chevy Chevy Van covered for flood damage?
  • What discounts do I qualify for?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is other people’s property covered if stolen from my vehicle?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

The auto insurance bait and switch

Companies like Allstate, GEICO and Progressive continually stream ads in print and on television. They all seem to advertise claims about saving some big amount if you switch your policy. But how can every company save you money? Here is the trick they use.

All the different companies have specific criteria for the type of driver that earns them the most money. For example, a profitable risk profile may be between 30 and 50, has few claims, and drives less than 5,000 miles a year. Any customer who fits that profile gets the lowest prices and will also cut their rates substantially.

Drivers who don’t qualify for these criteria may receive higher rates and ends up with business not being written. The ads say “drivers who switch” but not “all drivers who get quotes” save that kind of money. This is how insurance companies can make it sound like they have such great rates.

Because of these techniques, you really should quote coverage with many companies. It is impossible to predict which company will fit you best based on your risk profile.

Car insurance coverage information

Having a good grasp of your policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision insurance

This coverage will pay to fix damage to your Chevy Van from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with a tree, damaging your car on a curb, sideswiping another vehicle, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, vandalism, a tree branch falling on your vehicle and fire damage. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for expenses for things like ambulance fees, prosthetic devices, dental work, X-ray expenses and funeral costs. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Coverage for liability

Liability coverage will cover damage that occurs to other people or property that is your fault. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see 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 property damage coverage for $100,000. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as legal defense fees, funeral expenses and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

A fool and his money are soon parted

When getting insurance quotes online, do not buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find for the lowest cost, but do not skimp to save money.

Some companies may not offer price quotes online and these smaller providers only sell through independent insurance agencies. Low-cost 1997 Chevy Chevy Van insurance is definitely available online as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates.

We’ve covered a lot of ways to compare 1997 Chevy Chevy Van insurance prices online. It’s most important to understand that the more you quote insurance, the better chance you’ll have of finding affordable insurance. You may even find the best price on insurance is with an unexpected company.

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