Lower Your 2000 Chevrolet Venture Car Insurance Rates

Searching for the cheapest insurance rates for your Chevrolet Venture? Are you burned out from trying to scrape together enough money to pay high insurance rates every month? You are in the same boat as many other consumers. There are many insurers to pick from, and even though it’s nice to have a selection, it makes it harder to find the best rates.

Finding the best rates is not that difficult. If you have a policy now or are looking for a new policy, you can use these tips to find better prices and still get good coverage. Consumers only need to know how to shop on the web.

More discounts mean affordable premiums

Insurance coverage is not cheap nor is it fun to buy but companies offer discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically when you get a quote, but some need to be manually applied before you get the savings.

  • Active Service Discounts – Having a family member in the military could be rewarded with lower premium rates.
  • Multiple Cars – Buying a policy with multiple cars on a single policy could earn a price break for each car.
  • Student in College – Children who live away from home to go to college without a vehicle on campus may qualify for this discount.
  • 55 and Retired – Mature drivers may qualify for better insurance coverage rates on Venture insurance.
  • Employee of Federal Government – Simply working for the federal government may qualify for a discount when you quote insurance on Venture insurance depending on your company.
  • Passive Restraints – Options like air bags can qualify for discounts of 20% or more.
  • Good Driver Discounts – Drivers without accidents can save as much as half off their rates on Venture insurance than their less cautious counterparts.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • ABS and Traction Control Discounts – Cars and trucks equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Multiple Policy Discount – If you can bundle your home and auto insurance and insure them both with the same insurance company they may give you a discount of nearly 15% which can help you find the cheapest insurance.

It’s important to note that most credits do not apply to the entire cost. Most only apply to individual premiums such as medical payments or collision. So even though you would think you would end up receiving a 100% discount, it just doesn’t work that way.

Large insurance coverage companies and a selection of discounts are included below.

  • Mercury Insurance has savings for accident-free, good driver, low natural disaster claims, ease of repair, multi-car, and location of vehicle.
  • Farmers Insurance offers discounts for alternative fuel, electronic funds transfer, teen driver, business and professional, good student, and early shopping.
  • Farm Bureau offers discounts including safe driver, driver training, multi-vehicle, renewal discount, youthful driver, multi-policy, and 55 and retired.
  • State Farm includes discounts for good student, student away at school, safe vehicle, multiple autos, and defensive driving training.
  • Allstate offers premium reductions for premier plus, early signing, utility vehicle, senior citizen, passive restraint, EZ pay plan discount, and premier discount.
  • GEICO may offer discounts for five-year accident-free, emergency military deployment, air bags, military active duty, defensive driver, good student, and anti-lock brakes.

Before buying, ask each company how many discounts you can get. Discounts may not apply to policies in your area. To view insurance coverage companies that offer some of these discounts, click here to view.

Affordable auto insurance quotes

Comparing auto insurance rates can be challenging if you aren’t aware of the most efficient way. You could spend your day discussing policy coverages with local insurance agents in your area, or you can stay home and use online quotes to get the quickest rates.

Many of the larger companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and each participating company returns a rated price. This saves time by eliminating quotation requests to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The only downside to getting quotes like this is you don’t know exactly the providers you want pricing from. So if you want to choose from a list of companies to compare rates, we have assembled a list of companies who write auto insurance in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but try to keep the same coverage information on every quote you get. If each company quotes differing limits then you won’t be able to determine which company has the best rates.

It’s not one size fits all

When it comes to choosing adequate coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is unique so this has to be addressed. These are some specific questions might help in determining if your situation could use an agent’s help.

  • Does coverage extend to Mexico or Canada?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Why am I required to buy liability insurance?
  • What is medical payments coverage?
  • Do I need replacement cost coverage?
  • Should I rate my 2000 Chevy Venture as pleasure use or commute?
  • Do I have coverage when pulling a U-Haul trailer?
  • Should I drop comprehensive coverage on older vehicles?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Car insurance coverages explained

Having a good grasp of your car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. These are typical coverages available from car insurance companies.

UM/UIM Coverage

This provides protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Chevy Venture.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability coverages

Liability insurance will cover damage or injury you incur to a person or their property that is your fault. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

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 limits of 25/50/25 which means a $25,000 limit per person for 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 insurance covers claims such as medical expenses, attorney fees, emergency aid and loss of income. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Medical costs insurance

Med pay and PIP coverage provide coverage for bills for things like dental work, rehabilitation expenses, chiropractic care and EMT expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a parking meter, scraping a guard rail, crashing into a building, sideswiping another vehicle 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 in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, theft, damage from a tornado or hurricane, rock chips in glass and hitting a deer. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Final considerations

When buying insurance coverage, it’s a bad idea to reduce needed coverages to save money. There have been many cases where an accident victim reduced uninsured motorist or liability limits only to find out that it was a big error on their part. Your focus should be to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.

You just learned many ways to save on 2000 Chevy Venture insurance. The key concept to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. You may be surprised to find that the most savings is with a small local company. Some small companies may often insure only within specific states and give getter rates than their larger competitors like GEICO and State Farm.

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