Compare 2002 Chevrolet Venture Car Insurance Cost

Want cheaper car insurance rates for your Chevrolet Venture? No one enjoys paying for car insurance, especially knowing the price is too high.

Having so many choices, it can be hard to choose the cheapest insurance company.

Finding affordable coverage is easy if you know what you’re doing. In a nutshell, anyone who has to buy insurance coverage most likely will be able to cut their insurance bill. Nevertheless, vehicle owners must understand how big insurance companies determine prices because it can help you find the best coverage.

How to Buy Insurance Online

The are a couple different ways to compare rate quotes from insurance companies in your area. The easiest way to find the lowest 2002 Chevy Venture rates consists of shopping online. This can be done in just a few minutes using one of these methods.

  1. One of the simplest ways to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This method saves time by eliminating separate quotes for each company. One form submission will return price quotes instantly.
  2. A more time consuming way to compare prices is going to each individual company website to complete a price quote. For instance, we’ll pretend you want to compare rates from Liberty Mutual, Progressive 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.

  3. The least efficient method of getting rate comparisons is to spend time driving to insurance agents’ offices. The ability to buy insurance online makes this process obsolete unless you require the professional guidance only provided by licensed agents. However, consumers can comparison shop online but buy from a local insurance agent and you’ll learn how to do that later.

It’s up to you how you get prices quotes, just double check that you are using apples-to-apples deductibles and coverage limits for every company. If you compare differing limits it will be impossible to make an equal comparison. Just a small difference in insurance coverages may cause a big price difference. Just keep in mind that quoting more helps you find the best price.

Best discounts on 2002 Chevy Venture coverage

Auto insurance companies don’t always list every discount in an easy-to-find place, so we break down some of the best known and the more hidden savings tricks you should be using.

  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% for Venture coverage depending on your company.
  • Senior Discount – Mature drivers can possibly qualify for better car insurance rates for Venture coverage.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
  • Driver Safety – Completing a driver safety course could cut 5% off your bill depending on where you live.
  • One Accident Forgiven – Certain companies allow you one accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Low Mileage – Fewer annual miles on your Chevy could qualify for better rates on cars that stay parked.
  • E-sign – Certain companies will give a small break for buying a policy and signing up online.

Keep in mind that many deductions do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way.

A partial list of companies who might offer these discounts include:

Before buying, ask every prospective company what discounts are available to you. All car insurance discounts might not apply everywhere.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions may help you determine whether your personal situation would benefit from professional advice.

  • Why do I need rental car insurance?
  • Will my rates increase for filing one claim?
  • Do I need an umbrella policy?
  • When should I drop full coverage on my 2002 Chevy Venture?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I insured when driving a different vehicle?
  • Can I get a multi-policy discount?
  • What can I do if my company won’t pay a claim?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Detailed coverages of your car insurance policy

Having a good grasp of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. Car insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types found on most car insurance policies.

Comprehensive protection

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like theft, fire damage, hitting a bird and a broken windshield. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto collision coverage

Collision insurance pays for damage to your Venture resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, sustaining damage from a pot hole, driving through your garage door, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Liability coverages

This can cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as legal defense fees, medical expenses, bail bonds and pain and suffering. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like pain medications, dental work and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured or underinsured coverage

This gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Venture.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage on a shoestring budget

The cheapest 2002 Chevy Venture insurance is definitely available from both online companies and with local insurance agents, so you should compare both so you have a total pricing picture. A few companies do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

When buying insurance coverage, it’s very important that you do not buy less coverage just to save a little money. Too many times, consumers will sacrifice collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at a price you can afford, not the least amount of coverage.

Additional insurance information is located on the following sites: