1997 Chevrolet Venture Insurance Rates – 7 Ideas for Cheapest Quotes

Searching for the cheapest insurance for your Chevy Venture can be a painful process, but you can learn a few tricks to find lower rates. There are more efficient ways to shop for auto insurance so we’re going to tell you the quickest way to price shop coverage for a new or used Chevy and find the lowest price from both online companies and local agents.

It’s important to price shop coverage every six months because insurance rates are rarely the same from one policy term to another. Even if you think you had the best price on Venture insurance two years ago the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because you’re about to learn the easiest way to get good coverage at a lower rate.

Choosing the best insurance company for you is not rocket science. If you are insured now or need new coverage, you can use these techniques to cut your premiums while maintaining coverages. Drivers just need to learn the most effective way to get comparison quotes online.

The quickest method to compare car insurance rates is to know the trick auto insurance companies provide online access to compare rate quotes. The only thing you need to do is give them rating details like coverage limits, what you do for a living, if you lease or own, and an estimate of your credit level. That information is automatically sent to many of the top insurers and they return cost estimate instantly.

Don’t pay full price with these seven discounts

Car insurance companies don’t list all their discounts very well, so we took the time to find both well-publicized and also the lesser-known discounts you could be receiving. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Good Students Pay Less – Performing well in school can save 20 to 25%. This discount can apply up until you turn 25.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can receive discounts up to 30%.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Accident Waiver – A few companies will forgive one accident before raising your premiums if you are claim-free for a set time period.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Paperwork-free – A few companies give back up to $50 simply for signing over the internet.

Drivers should understand that some credits don’t apply to all coverage premiums. Some only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, it doesn’t quite work that way.

A partial list of companies who might offer these discounts may include but are not limited to:

Check with all companies you are considering which discounts you may be entitled to. Savings may not apply in every state.

Your personal situation dictates your coverage

When choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions may help highlight whether you could use an agent’s help.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I need an umbrella policy?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I really need UM/UIM coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • What should my uninsured motorist coverage limits be in my state?
  • Does insurance cover damages from a DUI accident?
  • Do I need replacement cost coverage?
  • Can I afford to buy a different vehicle if my 1997 Chevy Venture is totaled?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

What insurance coverages do you need?

Understanding the coverages of insurance helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as fire damage, vandalism, damage from a tornado or hurricane and hail damage. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability

Liability coverage can cover injuries or damage you cause to people or other property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as pain and suffering, medical services and bail bonds. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for immediate expenses such as doctor visits, rehabilitation expenses and prosthetic devices. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Chevy Venture.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Collision insurance

This coverage covers damage to your Venture from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a building, sustaining damage from a pot hole, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Stretch your dollar

Lower-priced 1997 Chevy Venture insurance can be sourced online as well as from independent agents, so you should be comparing quotes from both to have the best selection. Some insurance providers don’t offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Throughout this article, we presented many tips how you can lower your insurance rates. The key thing to remember is the more providers you compare, the better your comparison will be. You may even discover the best price on auto insurance is with an unexpected company.

While you’re price shopping online, it’s not a good idea to buy less coverage just to save a little money. In many cases, consumers will sacrifice liability coverage limits only to discover later they didn’t purchase enough coverage. Your aim should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

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