Want lower insurance rates for your Chevrolet Uplander? Did you fall for a flashy sales pitch and buy high-priced insurance? Say no more because there are a lot of people just like you who feel imprisoned by their insurance policy. Vehicle owners have so many car insurance companies to pick from, and even though it’s nice to have multiple companies, more choices can make it harder to compare rates and find the lowest cost insurance.
It’s important to do price comparisons yearly since insurance prices trend upward over time. Despite the fact that you may have had the best rate on Uplander insurance two years ago other companies may now be cheaper. Ignore everything you know about insurance because you’re going to get a crash course in the only way to lower your annual insurance bill.
Some insurers do not advertise the entire discount list in a way that’s easy to find, so the list below gives a summary of some of the more common and the more hidden savings tricks you should be using when you buy insurance online.
A little note about advertised discounts, many deductions do not apply the the whole policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it appears having all the discounts means you get insurance for free, you aren’t that lucky. Any qualifying discounts will definitely reduce your overall bill.
To find insurance companies offering car insurance discounts, click here.
The quickest method we recommend to compare car insurance rates takes advantage of the fact most of the larger companies participate in online systems to give rate comparisons. To get started, all you need to do is give them rating details such as deductibles desired, if you went to college, distance driven, and your job. Your rating data is sent automatically to multiple different insurance companies and they respond with quotes within a short period of time.
When buying the best auto insurance coverage, there is no single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that might point out whether or not you would benefit from an agent’s advice.
If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.
Knowing the specifics of a car insurance policy aids in choosing which coverages you need and proper limits and deductibles. Car insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most car insurance policies.
This coverage can cover injuries or damage you cause to a person or their property in an accident. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.
Liability can pay for claims like funeral expenses, pain and suffering and emergency aid. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.
Medical payments and PIP coverage
Medical payments and Personal Injury Protection insurance provide coverage for bills such as funeral costs, ambulance fees, EMT expenses and pain medications. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Collision coverage protection
This pays for damage to your Uplander caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for things such as scraping a guard rail, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Chevy Uplander.
Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time these limits are similar to your liability insurance amounts.
Comprehensive auto coverage
This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like rock chips in glass, hitting a bird and vandalism. The most a car insurance company will pay at claim time 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.
We covered a lot of techniques to lower your 2007 Chevy Uplander insurance premium rates. The key concept to understand is the more companies you get prices for, the higher the chance of saving money. Consumers may even find the best premium rates are with a small mutual company. Some small companies often have lower prices on specific markets than their larger competitors like Allstate, GEICO and Progressive.
As you go through the steps to switch your coverage, it’s a bad idea to sacrifice coverage to reduce premiums. Too many times, an insured cut comprehensive coverage or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible for the lowest price, not the least amount of coverage.