Want cheaper insurance rates for your Chevrolet Venture? I really doubt anyone enjoys paying for insurance, especially when they are aware that they could find better rates elsewhere.
Companies like State Farm and GEICO all claim big savings, bombarding you with ads and it is challenging if not impossible to avoid their marketing magic and effectively compare rates to find the best deal.
If you currently have a car insurance policy, you will be able to save some money using these methods. Choosing the best insurance company for you is quite easy. But consumers do need to know how the larger insurance companies market on the web because it can help you find the best coverage.
There are several ways to compare auto insurance quotes, but there is one way that is easier and takes less work. You could spend your day discussing policy coverages with insurance agencies in your area, or you could use online quotes to get rates in a matter of minutes.
Most of the larger companies participate in a marketplace where prospective buyers complete one form, and each participating company provides a quote based on the submitted data. This prevents consumers from doing quotation requests for every auto insurance company.
To participate in this free quote system, click here (opens in new window).
One minor caviat to using this type of system is buyers cannot specifically choose which providers to get quotes from. So if you want to select individual companies to request quotes from, we have a page of companies who write auto insurance in your area. Click here to view list.
The approach you take is up to you, just ensure you’re using exactly the same coverage limits for each price quote. If the quotes have unequal deductibles or liability limits it will be nearly impossible to find the best deal for your Chevy Venture. Even a minor difference in insurance coverages or limits could throw off the whole comparison. Keep in mind that comparing a large number of companies will enable you to find a lower rate. Some insurance companies are not set up to provide online rate quotes, so it’s recommended that you also compare quotes from them, too.
Insurance coverage is easily one of your largest bills, but you might be missing out on some discounts that many people don’t even know exist. Certain reductions will be credited at quote time, but some must be specifically requested in order for you to get them. If you don’t get every credit you deserve, you are not getting the best rate possible.
Discounts lower rates, but most credits do not apply to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. If you do the math and it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. Any qualifying discounts will help reduce your insurance coverage premiums.
If you would like to choose from a list of insurers that offer discounts, click here.
When it comes to choosing the right insurance coverage, there really is no single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if you could use an agent’s help.
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.
Knowing the specifics of your auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages found on the average auto insurance policy.
Coverage for medical payments and/or PIP kick in for expenses such as surgery, doctor visits, nursing services and ambulance fees. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay
This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Venture.
Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.
Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims such as damage from a tornado or hurricane, damage from flooding and vandalism. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.
This will pay to fix damage to your Venture from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like rolling your car, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.
Liability insurance protects you from damage that occurs to other people or property. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage protects against claims like emergency aid, medical services and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.