How Much Does 1996 Chevrolet Sportvan Car Insurance Cost?

Searching for the cheapest car insurance rates for your Chevrolet Sportvan? Locating the cheapest insurance for a new or used Chevy Sportvan could be difficult, but you can use the following methods to find lower rates.

There is a better way to buy car insurance so you’re going to learn the proper way to price shop coverage on a Chevy and locate the lowest possible price from local insurance agents and online providers.

Finding affordable insurance coverage is not that difficult. If you are insured now or are just looking to switch companies, you can use this information to get lower rates and still get good coverage. Drivers just need to understand how to shop their coverage around online.

Which Auto Insurance is Cheapest?

Shopping for lower auto insurance rates can be a daunting task if you don’t utilize the best way to get rate quotes. You can spend your afternoon discussing policy coverages with agents in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

Most major companies belong to an insurance system that allows shoppers to enter their policy data once, and each company then returns a price quote based on that information. This prevents consumers from doing quotation requests to each individual auto insurance company. To find out how much you’re overpaying now click to open in new window.

The only downside to getting quotes like this is you don’t know exactly the insurers you want pricing from. If you prefer to choose from a list of companies to compare prices, we have assembled a list of auto insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but ensure you are comparing exactly the same deductibles and coverage limits with each company. If the quotes have different limits and deductibles on each one then you won’t be able to determine which rate is truly the best.

Impacting insurance rates for a Chevy Sportvan

Consumers need to have an understanding of the different types of things that help determine insurance coverage rates. Having a good understanding of what determines base rates empowers consumers to make smart changes that will entitle you to big savings.

  • Your insurance coverage rates can be influenced by your job – Did you know your insurance coverage rates can be affected by your occupation? Jobs such as real estate brokers, business owners and stock brokers tend to have the highest rates due to stressful work requirements and long work days. On the other hand, occupations such as actors, students and performers receive lower rates for Sportvan coverage.
  • Higher deductibles cost less – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your Chevy. Examples of covered claims are running into the backend of another car, damage caused by hail, and burglary. Physical damage deductibles are how much you are required to spend before your insurance coverage pays a claim. The more you’re willing to pay, the lower your rates will be for Sportvan coverage.
  • Lower miles equals lower premium – The more you drive every year the more you’ll pay to insure your vehicle. Almost all companies apply a rate determined by how the vehicle is used. Cars left parked in the garage qualify for better rates compared to those used for work or business. Make sure your insurance coverage policy is showing the correct driver usage. Incorrect usage on your Sportvan can cost quite a bit.
  • Having a spouse can save you money – Having a spouse actually saves money on insurance coverage. It means you’re more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
  • Discounts for multiple policies – The majority of insurance coverage companies will award you with lower prices to people who have multiple policies with them. It’s known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. If you currently are using one company, it’s still a good idea to shop around to confirm you are receiving the best rates possible. Consumers may find better rates by buying insurance coverage from a different company.
  • Mature drivers pay less – Teen drivers are known to be more careless behind the wheel so insurance coverage rates are higher. Having to add a teen driver onto a policy can really hurt. Older drivers are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.
  • An active claims history can cost you – If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance companies generally give lower rates to drivers who do not file claims often. Auto insurance is intended for major claims that would cause financial hardship.

More discounts equal less premium

The price of auto insurance can be rather high, but discounts can save money and there are some available to help bring down the price. Certain discounts will be applied at the time you complete a quote, but less common discounts must be specially asked for before being credited. If you don’t get every credit possible, you’re just leaving money on the table.

  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • Homeowners Savings – Owning a house can save you money because owning a home requires personal responsibility.
  • Student Driver Training – Require your teen driver to complete a driver education course in high school.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Multiple Cars – Having all your vehicles on the same car insurance policy could earn a price break for each car.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply until age 25.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, car insurance companies aren’t that generous. Any qualifying discounts will help reduce the cost of coverage.

For a list of insurers with the best car insurance discounts, click here to view.

It’s not one size fits all

When it comes to buying adequate coverage, there really is not a cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that can help discover whether you could use an agent’s help.

  • Is my ex-spouse still covered by my policy?
  • Are split liability limits better than a combined single limit?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my babysitter covered when using my vehicle?
  • Am I covered if I drive in a foreign country?
  • Do I need added coverage for expensive stereo equipment?
  • What are the best liability limits?
  • Is my dog or cat covered if injured in an accident?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form. It is quick, free and can help protect your family.

Insurance coverage considerations

Having a good grasp of your insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.

Collision protection

Collision coverage will pay to fix damage to your Sportvan resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a ditch, crashing into a building, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for doctor visits, dental work, rehabilitation expenses and EMT expenses. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Liability coverages

Liability insurance protects you from injuries or damage you cause to people or other property. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as structural damage, medical expenses, funeral expenses, court costs and medical services. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Chevy Sportvan.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, hitting a deer, a broken windshield and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Have money to burn

The cheapest 1996 Chevy Sportvan insurance can be sourced from both online companies as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies don’t offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

As you shop your coverage around, do not skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut full coverage only to regret they didn’t have enough coverage. The ultimate goal is to get the best coverage possible at the best price.

We just covered many tips how you can compare insurance prices online. The key thing to remember is the more providers you compare, the higher the chance of saving money. Drivers may discover the lowest rates come from an unexpected company.

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