2001 Chevrolet Venture Insurance Rates

Want the cheapest insurance rates for your Chevrolet Venture? Trying to find the cheapest insurance for a new or used Chevy Venture can turn out to be a painful process, but you can learn a few tricks to find lower rates. There are both good and bad ways to find insurance online and you need to know the best way to price shop coverage for a new or used Chevy and locate the lowest price either online or from local insurance agents.

It’s a great practice to get comparison quotes at least once a year due to the fact that insurance prices are adjusted regularly by insurance companies. Just because you had the lowest price on Venture insurance a couple years back the chances are good that you can find a lower rate quote today. Ignore everything you know about insurance because we’re going to show you the things you must know in order to lower your annual insurance bill.

Buying car insurance is easy if you know what you’re doing. If you have a current auto insurance policy or need new coverage, you can use these tips to find the best rates and still get good coverage. Drivers only need to know the best way to buy auto insurance online.

These discounts can cut insurance rates

Some insurers don’t list every discount in a way that’s easy to find, so the next list breaks down both the well known and also the lesser-known discounts that may be available. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Own a Home and Save – Owning a home may earn you a small savings because of the fact that having a home means you have a higher level of financial diligence.
  • No Charge for an Accident – This one is not really a discount per se, but some insurance companies may permit one accident without raising rates so long as you are claim-free for a certain period of time.
  • Discounts for New Vehicles – Putting insurance on a new car is cheaper because new vehicles are generally safer.
  • Military Discounts – Being on active deployment in the military can result in better prices.
  • Payment Discounts – If you pay your bill all at once rather than paying in monthly installments you may have a lower total premium amount.

We need to note that most credits do not apply the the whole policy. Most only cut the price of certain insurance coverages like medical payments or collision. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way.

A few popular companies and their possible discounts can be found below.

  • The Hartford has savings for good student, vehicle fuel type, air bag, bundle, and driver training.
  • American Family includes discounts for early bird, good student, accident-free, multi-vehicle, mySafetyValet, and defensive driver.
  • Progressive has discounts for multi-vehicle, online quote discount, online signing, continuous coverage, and good student.
  • Travelers may include discounts for early quote, driver training, new car, multi-policy, and IntelliDrive.
  • Farmers Insurance offers premium reductions for youthful driver, switch companies, teen driver, bundle discounts, and mature driver.
  • USAA offers discounts including annual mileage, multi-policy, new vehicle, multi-vehicle, driver training, and safe driver.
  • Liberty Mutual discounts include new graduate, hybrid vehicle, multi-car, newly married, exclusive group savings, and preferred payment discount.

Check with each company which discounts you may be entitled to. All car insurance discounts may not apply to policies in every state. To choose companies that offer the discounts shown above, click here to view.

When do I need an agent’s advice?

When buying adequate coverage for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining if your insurance needs will benefit from professional help.

  • Am I covered when driving a rental car?
  • Am I covered if my car is in a flood?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Where can I get insurance after a DUI in my state?
  • Should I put collision coverage on all my vehicles?
  • Is my dog or cat covered if injured in an accident?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and may give you better protection.

Switch companies and save? Really?

Consumers can’t get away from all the ads that claim the lowest prices from the likes of Allstate, GEICO and Progressive. They all seem to try to convey promises that drivers can save some big amount just by switching your policy.

How do they all give you a lower rate? Here is the trick they use.

Companies give the best rates for the driver that will most likely be profitable. One example of this type of insured may need to be between 25 and 40, has a clean driving record, and chooses high deductibles. Anybody who matches that profile will get the preferred car insurance rates and will probably save if they switch.

Insureds who are not a match for this stringent profile will probably be forced to pay higher premium rates with the end result being the customer buying from someone else. If you listen to the ad wording, they say “drivers that switch” not “all people who quote” save that much when switching. That’s why companies can truthfully advertise the savings. Because of the profiling, you really need to get price quotes at each policy renewal. It’s just too difficult to predict which company will have the lowest car insurance rates for your situation.

The coverage is in the details

Knowing the specifics of a insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, a broken windshield, vandalism and fire damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a ditch, hitting a parking meter, colliding with another moving vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for expenses for pain medications, funeral costs, rehabilitation expenses and hospital visits. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your Chevy Venture.

Because many people 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 insurance

Liability coverage provides protection from damages or injuries you inflict on other’s property or people. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like loss of income, legal defense fees and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Be a penny pincher

In this article, we presented a lot of ways to lower your 2001 Chevy Venture insurance prices. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a lesser-known regional company.

When buying insurance coverage, never skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your objective should be to find the BEST coverage at the lowest possible cost, but do not skimp to save money.

Lower-priced 2001 Chevy Venture insurance can be purchased both online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers may not have online rate quotes and usually these smaller companies provide coverage only through independent agents.

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