1996 Chevrolet Chevy Van Classic Car Insurance Quotes – 5 Tricks for Best Rates

Paying for high-priced Chevrolet Chevy Van Classic insurance can dwindle your checking account and put the squeeze on your family’s finances. Comparing price quotes is a smart way to help make ends meet.

Lots of insurance companies contend for your business, so it’s not easy to compare every insurance company to find the absolute best rate

If you have car insurance now, you stand a good chance to be able to save some money using this strategy. Finding the best rates is quite easy. Although vehicle owners need to learn the methods companies use to price insurance differently and apply this information to your search.

Vehicle Insurance Comparison

When shopping for insurance there are multiple ways of comparing rate quotes and find the best price. The quickest method to compare 1996 Chevy Chevy Van Classic insurance prices is simply to get online rate quotes. It is quite easy and can be accomplished in several different ways.

The best way to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This method keeps you from doing a different quote for each company you want a rate for. Taking the time to complete one form will return quotes from multiple companies.
A harder way to find lower rates is spending the time to visit each individual company website and fill out their own quote form. For examples sake, let’s assume you want rates from State Farm, Farmers and Allstate. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but make darn sure you compare identical coverage limits and deductibles with every price quote. If you enter differing limits it will be impossible to truly determine the lowest rate. Just a small difference in coverages can result in a big premium difference. And when quoting insurance, remember that quoting more helps locate a better price.

Everyone needs different coverages

When it comes to choosing the right insurance coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether you would benefit from professional advice.

Why am I required to buy liability insurance?
Does coverage extend to Mexico or Canada?
How do I file an SR-22 for a DUI in my state?
Can I afford to pay high deductible claims out of pocket?
What vehicles should carry emergency assistance coverage?
Do I need motorclub coverage?

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.

Learn about car insurance coverages for a Chevy Chevy Van Classic

Understanding the coverages of your policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages available from car insurance companies.

Comprehensive auto coverage

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, damage from getting keyed and theft. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

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 losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Chevy Van Classic.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical payments and PIP coverage

Med pay and PIP coverage pay for short-term medical expenses like pain medications, prosthetic devices, surgery, X-ray expenses and rehabilitation expenses. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability coverage

This coverage will cover damages or injuries you inflict on people or other property. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: 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 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as emergency aid, medical services and legal defense fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Auto collision coverage

This coverage pays for damage to your Chevy Van Classic resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as sideswiping another vehicle, backing into a parked car, crashing into a building, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.