1996 Chevrolet Chevy Van Insurance Rates

Finding low-cost insurance for a new or used Chevy Chevy Van can normally be a painful process, but you can use a few tricks to make it easier.

There is a better way to buy auto insurance and we’ll show you the quickest way to compare rates for a new or used Chevy and locate the cheapest rates from local insurance agents and online providers.

Consumers need to take a look at other company’s rates at least once a year since insurance rates are usually higher with each renewal. Even if you think you had the best deal for Chevy van coverage two years ago you will most likely find a better rate today. So just forget anything you know (or think you know) about auto insurance because you’re about to learn the only way to save on auto insurance.

Cut your premium with discounts

The price of auto insurance can be rather high, but you can get discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of quoting, but some may not be applied and must be specially asked for in order for you to get them. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • No Charge for an Accident – A handful of insurance companies will forgive one accident without raising rates as long as you don’t have any claims prior to the accident.
  • Student in College – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings because maintaining a house shows financial diligence.
  • Pay Upfront and Save – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Federal Government Employee – Active or retired federal employment can earn a discount up to 10% for Chevy van coverage with certain companies.
  • Organization Discounts – Being a member of a qualifying organization could qualify you for a break when shopping for insurance coverage for Chevy van coverage.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with better rates on cars that stay parked.

A little note about advertised discounts, many deductions do not apply the the whole policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any qualifying discounts will reduce the amount you have to pay.

For a list of insurers who offer insurance coverage discounts, click here to view.

Chevy Chevy Van insurance rates can be determined by these details

Consumers need to have an understanding of some of the elements that play a part in calculating the rates you pay for auto insurance. Understanding what determines base rates helps enable you to make changes that could result in lower auto insurance prices.

  • A lapse in coverage is a bad thing – Allowing your coverage to lapse will be a fast way to trigger a rate increase. And not only will insurance be more expensive, but being ticketed for driving with no insurance can result in a steep fine or even jail time.
  • Extra coverages can waste money – There are many extra bells and whistles that you can buy if you aren’t careful. Coverages for rental car reimbursement, towing coverage and membership fees are examples of these. These coverages may sound good when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • Pleasure use saves money – Driving more miles each year the higher your rates will be. Almost all companies apply a rate determined by how the vehicle is used. Cars used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. Having the wrong rating on your Chevy Van may be wasting your money. Double check that your auto insurance coverage is showing the proper vehicle usage, because improper ratings can cost you money.
  • Occupation reflects on rates – Occupations like lawyers, social workers and financial analysts are shown to have higher average rates in part from job stress and long work hours. Conversely, jobs such as pilots, engineers and the unemployed pay the least for Chevy van coverage.
  • Bundling policies can get discounts – Some auto insurance companies will award you with lower prices to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. Even if you’re getting this discount it’s in your best interest to compare rates to verify if the discount is saving money. Drivers may still find a better deal by insuring with multiple companies.
  • Lower deductibles cost more – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Chevy from damage. Examples of covered claims could be collision with another vehicle, damage from fire, and rolling your vehicle. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket in the event of a claim. The higher the amount you’re willing to pay, the bigger discount you will receive for Chevy van coverage.
  • Tickets mean higher rates – A bad driving record impacts your car insurance rates tremendously. Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. Only having one speeding ticket can bump up the cost forty percent or more. If you have severe violations like DUI or reckless driving may find they need to submit a SR-22 form with their state motor vehicle department in order to drive a vehicle legally.
  • Theft deterrents lower rates – Driving a car with anti-theft technology or alarm system can help lower your rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.

What is the best insurance coverage?

When choosing the best insurance coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

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

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does car insurance cover theft of personal property?
  • How much liability do I need to cover my assets?
  • Do I need motorclub coverage?
  • Can my teen drive my company car?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What is the rate difference between pleasure use and commuting?
  • Does coverage extend to my business vehicle?
  • Does my policy cover me when driving someone else’s vehicle?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Are car insurance companies telling the truth?

Consumers can’t ignore all the ads for cheaper car insurance from companies such as State Farm and Allstate. All the ads say the same thing about savings if you change your policy.

How can each company claim to save you money? It’s all in the numbers.

All companies can use profiling for the driver that is profitable for them. A good example of a profitable customer might be between 30 and 50, is a homeowner, and has a short commute. A customer getting a price quote who matches those parameters is entitled to the best price and is almost guaranteed to save a lot of money.

Potential insureds who don’t qualify for the “perfect” profile must pay a higher premium which usually ends up with the customer not buying. The ads state “customers that switch” but not “drivers who get quotes” save that kind of money. That’s why insurance companies can confidently advertise the way they do.

This illustrates why it is so important to get as many quotes as possible. It’s just too difficult to predict the company that will give you the biggest savings on Chevy Chevy Van insurance.

Auto insurance 101

Understanding the coverages of insurance can be of help when determining the right coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for short-term medical expenses such as pain medications, funeral costs, prosthetic devices, surgery and ambulance fees. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from a tornado or hurricane, a broken windshield, vandalism, falling objects and theft. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto liability insurance

This coverage can cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as court costs, medical services, bail bonds, medical expenses and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Collision coverage protection

This coverage pays for damage to your Chevy Van caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as damaging your car on a curb, crashing into a building, colliding with a tree, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Chevy Chevy Van.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

More quotes. Lower rates.

When you buy insurance online, make sure you don’t reduce needed coverages to save money. In many cases, someone sacrificed liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

Budget-conscious 1996 Chevy Chevy Van insurance can be sourced on the web and also from your neighborhood agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

Insureds who switch companies do it for many reasons like denial of a claim, high prices, not issuing a premium refund and delays in paying claims. Whatever your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

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