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UPDATED: Mar 13, 2020
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Many auto manufacturers make various models of vans that provide consumers with additional passenger seating, cargo space, or both in some cases. These spacious and functional vehicles are ideal for large families, work, transport, travel, and more.
If you are thinking about buying a van or if you already have one, you may be wondering what the auto insurance options available are for this type of vehicle.
It’s easy to find out what kind of insurance rates are available. Just enter your zip code into our free comparison tool above to get started comparing options and quotes.
Choosing a Safe Vehicle to Insure
If you have not yet purchased your van, it makes sense to compare auto insurance rates before you make a final buying decision.
By requesting a few quotes online today for van insurance on different models, you can easily identify which model is most affordable to insure.
Some of the factors that affect the cost of your vehicle’s insurance include:
- Safety ratings
- Safety features in the vehicle
- Accident-related statistics
- Repair and replacement costs
- The power of the engine
As you compare vehicle options and prepare to make a buying decision, turn your attention to these important points. Comparing these points may help you to enjoy more affordable insurance premiums for your van in the years to come.
Shopping for Affordable Insurance Rates
After you have identified a few of the top van models that you are thinking about buying for business or private use, you next need to request rates for each model.
Many drivers will benefit from requesting three to four quotes from different car insurance companies for each model that is being considered. Because this can take a considerable amount of time and effort, consider requesting quotes online.
This online search is a fast and easy way to obtain accurate information about insurance rates.
Determining Your Auto Insurance Needs
Auto insurance providers typically need to know what type of coverage you want to buy and what coverage limits you want before you can issue a quote. There is a wide range of coverage types that each offer unique benefits, and some of these include:
- Liability insurance
- Personal property insurance
- Personal injury insurance
- Collision coverage
- Comprehensive coverage
- Uninsured or underinsured motorist coverage
Remember that coverage limits are important to consider as well. Your insurance company will only pay out an amount on an approved claim up to the limits of your coverage. Carefully consider ideal coverage limits as you prepare to request van insurance quotes.
Drivers can save $859/yr* by comparing car insurance
*based on a survey of 1,000 car insurance customers
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Identifying State Requirements
Most states have a minimum auto insurance requirement that drivers must meet. While the requirement varies by state, it most commonly includes liability insurance.
Before you spend time requesting quotes for van insurance, learn more about the minimum amount of insurance that is required for drivers of vans in your state as well as the coverage limits required.
Vehicle insurance is categorized into business-use and personal-use coverage, and the rates and terms vary considerably. If you plan to use your vehicle mostly or entirely for business use, you may need to purchase commercial van insurance.
Discuss your usage plans with a reputable insurance provider today to determine what type of coverage you should be shopping around for.
Understanding Your Lender’s Insurance Requirements
Automotive lenders commonly require additional coverage that exceeds the state’s requirements.
State requirements usually offer benefits for expenses that you cause to others while driving the van, but lenders want insurance that pays to repair or replace your existing vehicle if it is damaged in a collision or in another type of event.
With this in mind, if you have a van loan in place, your lender may require you to purchase a minimum amount of collision insurance or comprehensive coverage.
These types of coverage are not usually required if you do not have a loan on your van, but they nonetheless can benefit you. Otherwise, you may have to pay for all vehicle repairs or a full replacement out of your funds.
Staying Safe on the Road in Your Van
Many factors will affect your insurance rates for your van, and one of the most significant factors relates to your driving experience and record.
Insurance companies will review your claims history and driving record for at least the last few years when you request a quote for van insurance.
If you want to qualify for lower rates on van insurance in the future, you can focus on improving your record behind the wheel today. Some excellent safety tips to follow when driving a van include:
- Obey all posted speed limit signs
- Be aware of and follow all traffic signs
- Verify that your vehicle is in good operating condition before driving it
- Avoid driving distractions
- Ensure that all passengers are properly secured in the vehicle with a seatbelt
Learning About Other Ways to Save Money on Your Van Coverage
Improving your driving record is only one of several ways for drivers to save money on van insurance. In fact, there are a few options available that may help you to reduce your premium today and in the years to come. These include:
- Maximize the benefit of auto insurance discounts
- Request a higher deductible
- Improve your credit scores
- Only purchase the minimum coverage types and limits required
- Compare auto insurance rates by requesting new quotes every six months
Understanding the Importance of Van Insurance
Van drivers are required by law to purchase and maintain auto insurance that complies with state requirements in most areas, but there are other reasons to purchase van insurance.
This type of vehicle coverage can also dramatically reduce your out-of-pocket expenses if you are involved in an accident.
Being uninsured or underinsured can be expensive in several ways, so now is a great time to start comparing rates for the van insurance you need. Enter your zip code into our free rate tool below to begin.