How Much Does 2005 Chevrolet Venture Car Insurance Cost?

Looking for cheaper insurance rates? Shoppers have lots of choices when shopping for affordable Chevy Venture insurance. They can either spend hours struggling with agents to compare prices or save time using the internet to find the lowest rates.

There is a better way to compare insurance rates and we’ll show you the best way to quote coverages for your Chevy and locate the lowest price from local insurance agents and online providers.

It’s a good habit to do price comparisons periodically because prices change quite often. Just because you had the best price for Venture coverage a couple years back you can probably find a lower rate today. You can search a lot of insurance online but in a few minutes you can learn some of the best techniques to lower your insurance bill.

If you are insured now or are shopping for new coverage, you can follow these tips to find the best rates while maintaining coverages. The purpose of this post is to help educate you on how car insurance quotes work and some tricks to saving. Drivers only need an understanding of the proper way to compare company rates on the web.

How to buy insurance coverage

Finding a better price on insurance coverage is an easy way to save money. You just have to spend a little time comparing rates from some recommended companies. Insurance prices can be quoted by using one of the methods below.

  1. The single most time-saving way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This style of form eliminates the need for separate forms for every prospective company. Completing one form will get you price quotes direct from many companies.It’s the quickest way to get rates.
  2. A more time consuming way to find more affordable insurance is spending the time to visit the website for every company you want to comare and go through the quote process again. For instance, let’s assume you need rates from Liberty Mutual, State Farm and Progressive. To do that, you would have to spend time going to each site individually and punch in your information repeatedly, which can be really labor intensive. To view a list of companies in your area, click here.
  3. The old school method to get comparison rates is to spend time driving to different agent offices. The fact that you can get quotes online eliminates this option unless you require the personal advice of an agent trained in personal lines coverage. It is possible with some companies price shop your coverage online but buy from a local insurance agent.

It’s up to you how you get prices quotes, just make sure you compare the same deductibles and coverage limits on every quote you get. If the quotes have different coverage information it will be next to impossible to make a fair comparison for your Chevy Venture.

Earn discounts to get lower-cost car insurance rates

Auto insurance companies do not list every available discount very well, so we researched some of the more common as well as some of the hidden credits that may apply to you. If you are not receiving all the discounts you qualify for, you are not getting the best rate possible.

  • Student in College – Kids who are enrolled in a college that is more than 100 miles from home and leave their car at home can receive lower rates.
  • One Accident Forgiven – but a handful of insurance companies will allow you to have one accident without the usual rate increase so long as you haven’t had any claims for a particular time prior to the accident.
  • Telematics Data – Drivers who agree to allow their insurance company to analyze where and when they drive by installing a telematics device such as Progressive’s Snapshot could save a few bucks if they exhibit good driving behavior.
  • Senior Citizen Discount – Drivers that qualify as senior citizens can get reduced rates for Venture coverage.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Memberships – Belonging to qualifying clubs or civic groups could earn you a nice discount on your next renewal.
  • Claim Free – Insureds with no claims or accidents are rewarded with significantly better rates on car insurance quote when compared with drivers with a long claim history.
  • Pay Early and Save – If you can afford to pay the entire bill rather than paying in monthly installments you can avoid the installment charge.
  • Multiple Vehicles – Buying insurance for multiple cars or trucks with one company can reduce rates for all insured vehicles.
  • Bundle and Save – If you insure your home and vehicles with one company they may give you a discount of over 10 percent off each policy depending on the company.

Consumers should know that some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as liability, collision or medical payments. Despite the appearance that you can get free auto insurance, you won’t be that lucky.

Popular car insurance companies and some of the premium reductions they offer include:

  • GEICO may include discounts for anti-lock brakes, federal employee, anti-theft, five-year accident-free, air bags, multi-vehicle, and military active duty.
  • MetLife has savings for claim-free, defensive driver, multi-policy, good driver, good student, and accident-free.
  • State Farm includes discounts for accident-free, multiple policy, safe vehicle, driver’s education, Drive Safe & Save, and defensive driving training.
  • Progressive may have discounts that include multi-policy, online signing, multi-vehicle, online quote discount, continuous coverage, homeowner, and good student.
  • Mercury Insurance offers premium reductions for location of vehicle, multi-policy, anti-theft, good driver, type of vehicle, and professional/association.
  • 21st Century policyholders can earn discounts including automatic seat belts, good student, student driver, driver training, and early bird.
  • Allstate offers discounts for utility vehicle, good student, 55 and retired, multi-policy, auto/life discount, and premier plus.

If you need lower rates, check with each company or agent how many discounts you can get. Depending on the company, some discounts may not apply in your area. To choose car insurance companies who offer discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine whether or not you might need an agent’s assistance.

  • How do I buy GAP insurance?
  • When should I not file a claim?
  • When would I need rental car insurance?
  • Am I covered if I wreck a rental car?
  • What is UM/UIM insurance?
  • Does my policy cover my teen driver if they drive my company car?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Insurance coverages and their meanings

Having a good grasp of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverage

This pays for damage to your Venture from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as rolling your car, colliding with another moving vehicle, crashing into a ditch, damaging your car on a curb and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Chevy Venture.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are set the same as your liablity limits.

Comprehensive coverages

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like theft, damage from a tornado or hurricane and hitting a deer. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like hospital visits, dental work, prosthetic devices and X-ray expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Liability coverage

This coverage can cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims like medical expenses, attorney fees, funeral expenses and pain and suffering. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.