Definitive Five Minute Guide to Shopping For Chevy Venture Insurance

Drivers have lots of choices when trying to find low-cost Chevy Venture insurance. They can either spend hours contacting agents to compare prices or save time using the internet to make rate comparisons.

There are both good and bad ways to find car insurance online and you need to know the quickest way to get price quotes for a new or used Chevy and locate the lowest price either online or from local insurance agents.

You need to compare rates on a regular basis due to the fact that insurance prices change quite often. Just because you found the best rates on Venture insurance a couple years back a different company probably has better rate quotes today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the things you must know in order to reduce your cost while improving coverage.

If you have car insurance now, you will be able to reduce your rates substantially using these methods. The purpose of this article is to help educate you on how to get online quotes. Although car owners do need to understand how insurance companies sell online.

Informed Drivers Know How to Quote Car Insurance at a Discount

One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that come into play when calculating the rates you pay for car insurance. If you have some idea of what impacts premium levels, this empowers consumers to make smart changes that will entitle you to lower premium levels.

When should you not file a claims? – If you’re an insured who likes to file claims don’t be surprised to see higher premiums or even policy non-renewal. Companies award the lowest premiums to insureds who file claims infrequently. Your car insurance is meant to be used in the event of the large, substantial claims.
What type of car do you drive? – The type of car or truck you need to insure makes a huge difference in how high your rates are. The best insurance prices will normally be found when insuring lower performance four cylinder passenger cars, but the cost you end up paying is determined by many additional factors. Because the Chevrolet Venture is considered a van and minivan, insuring your vehicle will cost similar in price when compared to the average rates.
Premiums increase with driving tickets – Careful drivers have lower premiums compared to drivers with tickets. Getting just one driving citation may increase your cost by twenty percent. Drivers who get severe tickets such as DUI or reckless driving are required to prove financial responsibility with their state DMV in order to continue driving.
Save by driving vehicles with better crash test results – Vehicles that have high safety ratings tend to have lower insurance rates. These vehicles protect occupants better and fewer serious injuries means less money paid by your insurance company and cheaper rates on your policy. If the Chevy Venture scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.

To find , there are several ways to compare rate quotes from companies that offer car insurance in your state. The simplest method to find affordable Chevy Venture insurance rates is to jump online and get quotes. This is quite simple and can be completed in several different ways.

The most efficient method consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This quick form prevents you from having to do multiple quote forms for every prospective company. In just a few minutes this one form gets you coverage quotes from car insurance companies with the best prices. It’s the fastest way to compare.
A harder way to find more affordable insurance is to take the time to go to each individual company website and request a quote. For examples sake, let’s assume you want to get rates from State Farm, Progressive and American Family. In order to get each rate, you would have to navigate to each company’s site to enter your coverage information, which can get old fast. For a list of links to insurance companies in your area, click here.
The least efficient way to compare rates is actually driving to each insurance agency near you. Quoting and buying insurance online eliminates the need for an insurance agent unless you want the extra assistance only provided by licensed agents. Although you can find lower rates online but buy the policy through an agent.

The method you choose is up to you, but double check that you are using exactly the same coverages and limits for every company. If you use different data you will not be able to determine which rate is truly the best. Quoting even small variations in insurance coverages may result in a large different in cost. And when price shopping your coverage, making a lot of price comparisons helps increase your odds of locating lower pricing. Not every company allows you to get online rate quotes, so it’s important to also get rates from them as well.

Save $484 a year! What?

Progressive, Allstate and GEICO seem to constantly run ads in print and on television. They all try to convey promises that people will save after switching your coverage. How is it possible that every company can cost less than your current company? Here is how they do it.

Companies are able to cherry pick for the type of customer that will add to their bottom line. For instance, a profitable customer might have to be between the ages of 30 and 50, owns their home, and drives a car with an anti-theft system. Any driver who matches that profile is entitled to the best price and will also save some money.

Consumers who do not fit this stringent profile will get a higher premium which translates to the driver buying from a lower-cost company. The trick companies use is to say “customers that switch” but not “everyone who gets a quote” save that much when switching. This is how insurance companies can make claims that they all have the best prices. car insurance quote

This illustrates why it’s extremely important to get as many as possible. It is impossible to predict which company will provide you with the cheapest premium rates.

Cut your car insurance rates with discounts

Properly insuring your vehicles can get expensive, but there are discounts available that you may not even be aware of. Certain reductions will be credited when you get a quote, but occassionally some discounts must be asked about before being credited.

Passenger Safety Discount – Factory options such as air bags or motorized seat belts can qualify for discounts of 20% or more.
Online Discount – Certain larger companies will discount your bill up to fifty bucks for buying your policy digitally online.
Membership in Organizations – Being a member of specific professional or occupational memberships or organizations could earn you a nice discount on your next car insurance statement.
Renewal Discounts – A few car insurance companies allow discounts for renewing your policy early. This can save 10% or more.
Policy Bundle Discount – If you combine your auto and home policies with one insurance company you could save as much as 10 to 15 percent.
Discount for Life Insurance – Companies who offer life insurance give a small discount if you purchase some life insurance too.
Homeowners Discount – Just owning your own home can save you money due to the fact that maintaining a home is proof of financial responsibility.
Telematics Data Discounts – Insureds who allow their company to study where and when they drive by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks as long as they are good drivers.
Anti-lock Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions and qualify for as much as a 10% discount.
Discount for Low Mileage – Low mileage vehicles may enable drivers to earn discounted premium rates on garaged vehicles.

Don’t be surprised that most discount credits are not given to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, it doesn’t quite work that way.

A list of car insurance companies and a partial list of their discounts can be read below.

State Farm has savings for accident-free, student away at school, good student, multiple policy, Drive Safe & Save, good driver, and driver’s education.
American Family may offer discounts for good student, accident-free, mySafetyValet, good driver, Steer into Savings, early bird, and air bags.
GEICO has discounts for seat belt use, anti-lock brakes, driver training, air bags, defensive driver, and anti-theft.
21st Century includes discounts for driver training, homeowners, defensive driver, anti-lock brakes, and student driver.
Progressive offers discounts including multi-vehicle, online signing, homeowner, multi-policy, good student, continuous coverage, and online quote discount.

It’s a good idea to ask each insurance company which credits you are entitled to. Some discounts might not be available to policyholders in your area.

Local auto insurance agents

A small number of people would prefer to have an agent’s advice and doing so can bring peace of mind A good thing about comparing rate quotes online is the fact that drivers can get cheaper auto insurance rates and still have an agent to talk to. And supporting local agents is especially important in small communities.

For easy comparison, once you complete this form (opens in new window), your insurance coverage information is immediately sent to local insurance agents who will give you bids for your car insurance coverage. You never need to contact an agency due to the fact that quote results will go directly to you. It’s the lowest rates without having to waste a lot of time. In the event you want to quote rates for a specific company, don’t hesitate to go to their quote page to submit a rate quote request.

Different types of car insurance agents

If you are wanting to purchase car insurance from a local insurance agency, it’s important to understand the different agency structures that differ in how they can insure your vehicles. Agents can be described as either captive or independent (non-captive).

Independent Agencies or Brokers

Agents in the independent channel are not locked into one company and that is an advantage because they can write policies with an assortment of companies and help determine which has the cheapest rates. If your agent finds better pricing, your agent can just switch to a different company and you don’t have to switch agencies.

When comparing rate quotes, you definitely need to include at a minimum one independent agency to get the best comparison. Many independent agencies also insure through companies that do not advertise much that many times have cheaper rates.

Captive Agencies

Agents in the captive channel can only provide one company’s prices like State Farm, AAA, and Liberty Mutual. They usually cannot provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. They are highly trained on sales techniques which helps them sell on service rather than price. Some people will only use the same captive agent mainly due to the brand and strong financial ratings.

To view insurance agents in your area, click through to find a local car insurance agent.

Picking the best insurance agent shouldn’t rely on just the price. Agents should be asked these questions:

What are the financial ratings for the companies they represent?
Will you get a loaner vehicle if you car is being repaired?
Are claims handled at the agent’s location?
Do they offer accident forgiveness?
How often do they review policy coverages?
Is vehicle mileage a factor when determining depreciation for repairs?

Summing up your car insurance search

We covered many ideas to compare Chevy Venture insurance auto insurance rates online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding . Consumers could even find that the best price on car insurance is with some of the lesser-known companies.

Drivers who switch companies do it for many reasons like policy cancellation, high prices, an unsatisfactory settlement offer and even questionable increases in premium. No matter why you want to switch, finding the right car insurance provider can be easier than you think.

Budget-conscious Chevy Venture insurance can be bought from both online companies as well as from insurance agents, and you should be comparing both in order to have the best chance of saving money. Some companies don’t offer the ability to get quotes online and these smaller providers only sell coverage through local independent agencies.