1991 Chevrolet R/V 3500 Series Insurance Cost – 8 Tricks for Best Prices

Finding lower premiums on auto insurance is always difficult for consumers not familiar with comparing rates online. Drivers have so many choices that it can easily become a lot of work to find the best price.

How to Get Auto Insurance Comparison Quotes

To find the best auto insurance prices, there are several ways of comparing rate quotes from auto insurance companies in your area. The best way to compare 1991 Chevy R/V 3500 Series insurance prices is to use the internet to compare rates. This can be accomplished using a couple different methods.

The fastest way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This type of form saves time by eliminating separate forms for every auto insurance company. Taking the time to complete one form gets you price quotes from multiple companies. It’s definitely the quickest method.
A more difficult way to analyze rates is spending the time to visit each individual company website to complete a price quote. For instance, let’s say you want to compare Nationwide, Liberty Mutual and Geico. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.
To view a list of companies in your area, click here.

Whichever way you use, be sure to compare apples-to-apples information on every quote you get. If each company quotes different deductibles it will be next to impossible to decipher which rate is best. Slightly different coverage limits may result in a large different in cost. And when comparison shopping, having more price comparisons helps locate better pricing.

Be sure to get all your discounts

Companies don’t list every discount in an easy-to-find place, so the following is a list of some of the more common and also the lesser-known savings tricks you should be using.

Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
One Accident Forgiven – Some insurance companies will allow you to have one accident without raising rates so long as you haven’t had any claims for a set time period.
55 and Retired – If you’re over the age of 55, you can possibly qualify for better auto insurance rates for R/V Series coverage.
Early Signing – Some insurance companies reward drivers for switching policies before your current expiration date. This can save 10% or more.
Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
Low Mileage – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
Multiple Cars – Having all your vehicles on the same auto insurance policy could earn a price break for each car.
Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of approximately 10% to 15%.

Drivers should understand that some credits don’t apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, it doesn’t quite work that way.

For a list of insurers offering auto insurance discounts, follow this link.

How do I know if I need professional advice?

When choosing the right insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions can aid in determining if your situation might need an agent’s assistance.

Does my policy cover me when driving someone else’s vehicle?
Am I covered if I hit my neighbor’s mailbox?
Why is insurance for a teen driver so high?
Do I need added coverage for expensive stereo equipment?
Will my insurance pay for OEM parts?
Should I waive the damage coverage when renting a car?
How much liability do I need to cover my assets?
Is motorclub coverage worth it?
Does medical payments coverage apply to all occupants?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverages explained

Having a good grasp of a insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Auto liability

This can cover damage that occurs to other’s property or people by causing an accident. 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. You might see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like repair bills for other people’s vehicles, funeral expenses and bail bonds. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 1991 Chevy R/V 3500 Series.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for expenses for dental work, surgery, nursing services, X-ray expenses and chiropractic care. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Auto collision coverage

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a ditch, rolling your car, backing into a parked car, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive protection

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hail damage, damage from flooding and vandalism. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.