5 Ways to Pay Less on Chevy P30 Van Insurance

Trying to find cheaper insurance for a new or used Chevy P30 Van can turn out to be an all-consuming task, but you can follow our car insurance buying tips and make it easy.

There is a right way and a wrong way to compare car insurance rates and you need to know the proper way to quote coverages for your Chevy and locate the lowest price.

Smart consumers take time to shop coverage around at least once a year because prices trend upward over time. Even if you got the best price on P30 van coverage a few years ago a different company probably has better rates today. Forget all the misinformation about car insurance because you’re about to find out how to use the internet to eliminate unnecessary coverages and save money.

How to Buy Car Insurance Online

The are a couple different ways to compare rate quotes from local car insurance companies. The quickest method to find competitive Chevy P30 Van insurance rates involves getting comparison quotes online. This can be done using a couple different methods.

  • The most efficient way consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This type of form saves time by eliminating separate forms to each individual car insurance company. Just one form gets you price quotes from many national carriers. It’s definitely the quickest method.
  • A less efficient way to shop for car insurance online is to manually visit each company website and fill out their own quote form. For sake of this example, let’s say you want comparison quotes from Progressive, Esurance and State Farm. To get rate quotes you would need to go to every website and enter your information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just compare identical quote information for every company. If you enter different liability limits it’s impossible to determine the lowest rate for your Chevy P30 Van. Slightly different limits may cause a big price difference. And when quoting car insurance, remember that getting more free quotes helps you find the best rates.

Policy discounts you shouldn’t miss

Insuring your fleet can be pricey, but there are discounts available to reduce the price significantly. A few discounts will automatically apply when you get a quote, but lesser-known reductions have to be asked about in order for you to get them.

  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more on P30 van coverage than less cautious drivers.
  • Passive Restraints – Vehicles with factory air bags may earn rate discounts of more than 20%.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Club Memberships – Being a member of certain professional organizations is a good way to get lower rates when shopping for car insurance on P30 van coverage.
  • Multiple Vehicles – Having multiple vehicles on one policy could earn a price break for each car.

Keep in mind that some of the credits will not apply to the entire cost. Most cut individual premiums such as comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, it just doesn’t work that way. Any amount of discount will cut your overall premium however.

To see a list of insurers offering car insurance discounts, click here.

Insurance agents can help

When it comes to choosing coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine whether your personal situation would benefit from an agent’s advice. insurance banner

  • Do I have coverage for damage caused while driving under the influence?
  • Can I afford to buy a different vehicle if my Chevy P30 Van is totaled?
  • Why am I required to buy high-risk coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form.

Specific coverages for a Chevy P30 Van

Understanding the coverages of a car insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability auto insurance

This coverage protects you from damage that occurs to other’s property or people. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like loss of income, court costs, repair bills for other people’s vehicles and legal defense fees. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for short-term medical expenses for prosthetic devices, surgery and doctor visits. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Chevy P30 Van.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Collision coverage

This coverage will pay to fix damage to your P30 Van from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as scraping a guard rail, driving through your garage door, colliding with another moving vehicle, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

P30 Van insurance

Comprehensive car insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a bird, a broken windshield, theft and fire damage. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

In the end, you save

Insureds change insurance companies for any number of reasons including poor customer service, high prices, an unsatisfactory settlement offer or even policy cancellation. Regardless of your reason, finding a new car insurance company is pretty simple and you could end up saving a buck or two.

Lower-priced Chevy P30 Van insurance can be purchased on the web in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

You just read many ways to save on Chevy P30 Van insurance. The key concept to understand is the more you quote, the better your comparison will be. Drivers may discover the lowest premiums are with a small mutual company.