Compare 1990 Chevrolet Sportvan Insurance Rates

Finding cheaper insurance for your Chevy Sportvan can turn out to be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to compare car insurance rates and we’ll show you the absolute fastest way to quote coverages for a new or used Chevy and find the cheapest rates either online or from local insurance agents.

You should make it a habit to compare prices before your policy renews due to the fact that insurance rates go up and down regularly. Even if you think you had the best rates on Sportvan insurance on your last policy the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to one of the best ways to get good coverage at a lower rate.

Discounts are great for lower rates

Companies offering auto insurance don’t necessarily list all their discounts very well, so the following is a list of both the well known and the harder-to-find ways to save on car insurance. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Accident Free – Drivers with accident-free driving histories can earn big discounts as compared to frequent claim filers.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • One Accident Forgiven – Certain companies will allow you to have one accident before your rates go up so long as you haven’t had any claims prior to the accident.
  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • Military Rewards – Having a family member in the military can result in better rates.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Sportvan insurance than drivers with accidents.
  • Low Mileage – Fewer annual miles on your Chevy could be rewarded with lower rates on the low mileage vehicles.
  • Resident Student – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks just for signing your application on their website.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most only apply to the price of certain insurance coverages like comp or med pay. So when it seems like adding up those discounts means a free policy, companies don’t profit that way.

To see a list of providers who offer car insurance discounts, follow this link.

Low Cost Insurance

Shopping for lower insurance rates is a ton of work if you don’t utilize the most efficient way to do it. You could spend your day driving to agents in your area, or you could use online quoting to quickly compare rates.

All the larger companies participate in a marketplace where insurance shoppers only type in their quote data once, and each company can provide price quotes for coverage. This system prevents you from having to do form submissions to each individual insurance company. To get comparison pricing now click here to start a free quote.

The one disadvantage to pricing coverage this way is buyers cannot specifically choose which insurance companies to get quotes from. If you wish to select specific insurance companies to receive pricing from, we have a page of insurance companies in your area. Click here to view list.

However you get your quotes, be sure to compare the exact same coverages and limits with each company. If you use differing limits then you won’t be able to determine the lowest rate for your Chevy Sportvan.

Chevy Sportvan insurance rates consist of many parts

It’s important that you understand some of the elements that go into determining your insurance rates. Understanding what controls the rates you pay helps enable you to make changes that may reward you with better insurance rates.

  • Don’t buy coverages you don’t need – There are quite a few additional coverages that you can buy on your insurance policy. Insurance for rental car reimbursement, towing coverage and additional equipment coverage are examples of these. These coverages may sound good when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.
  • Safer cars are cheaper to insure – Vehicles with high crash test scores get lower rates. Safer cars result in less severe injuries and better occupant protection means less money paid by your insurance company and more competitive rates for policyholders. If your Chevy is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Adjust deductibles and save – Your deductibles define the amount you are willing to pay in the event of a claim. Physical damage insurance, also known as collision and other-than-collision, protects your car from damage. Examples of covered claims are running into the backend of another car, collision with an animal, and rolling your vehicle. The more you’re willing to pay, the lower your rates will be on Sportvan insurance.
  • Lower rates with optional equipment – Owning a car with an alarm system can help lower your rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your car from being stolen.

You may need specialized coverage

When it comes to buying coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different.

For example, these questions might help in determining whether your personal situation will benefit from professional help.

  • Am I covered if I hit a deer?
  • Does liability extend to a camper or trailer?
  • Does coverage extend to a rental car in a foreign country?
  • How many claims can I have before being cancelled?
  • When should my teen driver be added to my policy?
  • What is covered by UM/UIM coverage?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

Car insurance coverage breakdown

Learning about specific coverages of your car insurance policy helps when choosing appropriate coverage for your vehicles. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as vandalism, hitting a bird and damage from flooding. The maximum amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto collision coverage

This coverage covers damage to your Sportvan resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with a tree, driving through your garage door, damaging your car on a curb, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

UM/UIM Coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 1990 Chevy Sportvan.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto liability insurance

This coverage provides protection from damages or injuries you inflict on other people or property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as bail bonds, court costs and medical expenses. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as funeral costs, prosthetic devices and nursing services. They are used in conjunction with a health insurance program or if you do not have health coverage. It covers you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Don’t be a big spender

Consumers switch companies for any number of reasons including being labeled a high risk driver, extreme rates for teen drivers, poor customer service and even delays in paying claims. Regardless of your reason, choosing a new insurance company is not as difficult as it may seem.

We just covered a lot of tips how to reduce 1990 Chevy Sportvan insurance prices online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. Consumers may even find the best price on auto insurance is with a small mutual company.

Affordable insurance is available on the web and also from your neighborhood agents, so compare prices from both to have the best rate selection. Some insurance providers may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

Even more information is available in the articles below: