1999 Chevrolet Express Insurance Quotes – 6 Savings Tips

Paying for expensive Chevrolet Express insurance can consume your checking account and put the squeeze on your family’s finances. Performing a price comparison can be a smart way to reduce premiums and put more money in your pocket.

There are many insurance companies to choose from, and though it is a good thing to have multiple companies, lots of choices makes it harder to adequately compare rates.

Get cheaper car insurance with discounts

Insurance can cost an arm and a leg, but you might already qualify for some discounts that can drop the cost substantially. Certain credits will be shown at the time of purchase, but some discounts are required to be asked about before you get the savings. If you don’t get every credit possible, it’s possible you qualify for a lower rate.

  • No Claims – Good drivers with no accidents are rewarded with significantly better rates on auto insurance quote when compared with policyholders that have many claims.
  • Multiple Policy Discount – If you combine your home and auto policies with the same insurance company you could earn a discount of approximately 10% to 15%.
  • Discount for Low Mileage – Driving fewer miles could earn cheaper premium rates.
  • Paper-free Discount – A few larger online companies will discount your bill up to fifty bucks shop auto insurance on their website.
  • Active Military Service – Having an actively deployed family member could mean lower car insurance rates.
  • Anti-theft System – Cars and trucks with anti-theft systems can help prevent theft and will qualify for a discount on a auto insurance quote.

Remember that most discounts do not apply to all coverage premiums. Most cut specific coverage prices like comp or med pay. Even though the math looks like you would end up receiving a 100% discount, it’s just not the way it works.

Auto insurance companies that may offer some of the above discounts include:

When getting free auto insurance quotes, it’s a good idea to each insurance company which discounts they offer. Some discounts listed above might not apply in every state.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions might point out if your situation would benefit from professional advice.

  • Is my Chevy Express covered if I use it for business?
  • Am I covered when driving on a suspended license?
  • How much liability do I need to cover my assets?
  • Am I covered when driving someone else’s vehicle?
  • Are my tools covered if they get stolen from my vehicle?
  • What is PIP insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Will filing a claim cost me more?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Can you really save if you switch?

Consumers can’t escape the ads that claim the best auto insurance rates from companies such as GEICO, State Farm and Progressive. They all seem to advertise claims that drivers will save a bundle if you change your policy.

That’s great but how can every company have lower policy pricing? It’s all in the wording.

All the different companies quote the lowest rates for a prospective insured that earns them a profit. One example of this type of risk profile might be between the ages of 40 and 55, has never had a policy lapse, and has a high credit rating. A customer that matches those criteria receive the lowest rate quotes and is almost guaranteed to save money with a new company.

Drivers who cannot meet these stringent criteria must pay higher rates which translates to the customer not purchasing. If you pay attention, the ads say “customers that switch” not “everyone who quotes” save that much money. This is how insurance companies can claim big savings. Because every company is different, you need to get auto insurance quotes as often as possible. You cannot predict which company will give you lower auto insurance rates than your current company.

Specific coverages for a Chevy Express

Learning about specific coverages of a auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on most auto insurance policies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hail damage, fire damage, rock chips in glass, theft and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for rehabilitation expenses, doctor visits and ambulance fees. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers you and your occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability

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

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims such as medical services, emergency aid and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Chevy Express.

Since 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 is important protection for you and your family.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with another moving vehicle, crashing into a ditch, colliding with a tree, scraping a guard rail and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Make an honest buck

Cheaper insurance coverage is available from both online companies in addition to local insurance agencies, and you should be comparing both to get a complete price analysis. Some insurance companies don’t offer the ability to get a quote online and most of the time these small, regional companies sell through independent insurance agents.

When you buy auto insurance online, do not buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed liability limits or collision coverage to discover at claim time that they should have had better coverage. The aim is to buy enough coverage at the best price, not the least amount of coverage.

Much more information about insurance coverage can be read below: