2005 Chevrolet Uplander Insurance Cost – 9 Savings Tips

Scraping up a payment for high-priced Chevrolet Uplander insurance can eat up your checking account and possibly require you to analyze your spending habits. Price shopping at each renewal is a great way to make ends meet.

Having so many options, it can be challenging to find a lower cost auto insurance provider.

Insurance Discounts

Car insurance is not cheap, but you might be missing out on some discounts that may help make it more affordable. A few discounts will automatically apply when you complete an application, but occassionally some discounts must be requested specifically before you get the savings. If you are not receiving all the discounts you qualify for, you may be paying too high a price.

• Discount for Home Ownership – Owning a home can get you a discount because of the fact that having a home is proof that your finances are in order.
• Club Memberships – Affiliation with a qualifying organization can get you a small discount on your bill.
• Early Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you can avoid the installment charge.
• Multiple Policy Discount – If you can bundle your homeowners and auto insurance with one company they may give you a discount of up to 20% and get you low cost car insurance.
• Discount for Low Mileage – Low mileage vehicles can earn lower prices on the low mileage vehicles.
• Include Life Insurance and Save – Not all insurance companies offer life insurance, but some may give you a lower price if you buy life insurance from them.
• Theft Deterent – Vehicles equipped with anti-theft or alarm systems are less likely to be stolen so companies will give you a small discount.
• Sign Early and Save – Some larger companies give discounts for buying a policy prior to the expiration date on your current policy. You could save around 10% when you buy car insurance online.
• Resident Student – Youth drivers who live away from home to go to college and leave their car at home may be insured at a cheaper rate.

A little note about advertised discounts, many deductions do not apply to the entire cost. Most only cut the cost of specific coverages such as comp or med pay. Even though it appears you would end up receiving a 100% discount, you aren’t that lucky. But all discounts will bring down your overall premium however.

Larger insurance companies and the discounts they provide can be found below.

• Farmers Insurance offers discounts including early shopping, youthful driver, business and professional, switch companies, bundle discounts, and electronic funds transfer.
• Esurance has savings for emergency road assistance, renters, anti-lock brakes, DriveSense, online shopper, good driver, and Pac-12 alumni.
• State Farm may have discounts that include anti-theft, good driver, multiple autos, safe vehicle, and good student.
• Geico may include discounts for daytime running lights, anti-lock brakes, seat belt use, five-year accident-free, multi-policy, and anti-theft.
• Allstate offers premium reductions for utility vehicle, good student, passive restraint, auto/life discount, safe driver, teenSMART discount, and EZ pay plan discount.

Before purchasing a policy, check with all companies you are considering the best way to save money. Some discounts may not apply to policyholders in your area. If you would like to view companies with the best insurance discounts, click here.

Do you really save 40% when you switch?

Insurance companies such as Progressive, Geico, Allstate and State Farm continually stream ads on television and other media. They all try to convey promises that you can save if you just switch your insurance policy to them. That’s great but how can every company offer you a better deal? You have to listen carefully.

Many companies offer their best rates for a prospective insured that will most likely be profitable. One example of a profitable risk profile may need to be between 30 and 50, has other policies, and drives newer vehicles. A customer who matches those parameters gets the lowest premium rates and therefore will save if they switch.

Potential customers who may not quite match the ideal profile may receive more expensive rates which results in the prospect going elsewhere. The ads say “customers who switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way insurance companies can advertise the way they do.

This really emphasizes why it’s extremely important to compare quotes as often as possible. It’s just too difficult to predict which company will have the best rates for your profile.

Tailor your car insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions could help you determine whether you will benefit from professional help.

• How high should my medical payments coverage be?
• What happens if I owe more than my 2005 Chevy Uplander is worth?
• Are rock chip repairs covered?
• How can I force my company to pay a claim?
• Does car insurance cover theft of personal property?
• When do I need to add a new car to my policy?
• How high should deductibles be on a 2005 Chevy Uplander?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Is business equipment covered while in my vehicle?

If it’s difficult to answer 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, simply complete this short form or you can go here for a list of companies in your area.

Car insurance 101

Learning about specific coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average insurance policy.

Comprehensive protection

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as vandalism, damage from getting keyed and falling objects. The most a 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 dropping full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like rehabilitation expenses, nursing services, pain medications and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability insurance will cover damage or injury you incur to people or other property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims like repair bills for other people’s vehicles, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Uninsured or underinsured coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Chevy Uplander.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Collision protection

This covers damage to your Uplander resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a parking meter, damaging your car on a curb, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Do the work, save more money

Cheap 2005 Chevy Uplander insurance can be found online as well as from insurance agents, so you need to shop car insurance with both to have the best chance of lowering rates. Some companies do not provide rate quotes online and many times these smaller companies sell through independent agencies.

As you quote car insurance, it’s not a good idea to buy poor coverage just to save money. There have been many cases where someone dropped comprehensive coverage or liability limits only to discover later that it was a big mistake. Your aim should be to buy enough coverage at an affordable rate.

Additional information

• Auto Theft Statistics (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Anti-Lock Brake FAQ (iihs.org)
• Red Light Cameras (State Farm)