Cheap 2001 Chevrolet Express Insurance Quotes

I doubt anyone likes having to buy insurance coverage, particularly when they are paying too much. Due to the increasing number of choices of insurance companies, it is hard for the average consumer to find the lowest price insurance coverage company.

Consumers should take time to take a look at other company’s rates on a regular basis because insurance coverage rates fluctuate regularly. Despite the fact that you may have had the lowest rate for Express coverage six months ago you will most likely find a better price today. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate the proper way to properly buy coverages while reducing your premium.

Locating the cheapest protection is easy if you know what you’re doing. If you have a current auto insurance policy or are looking for a new policy, you can use these tips to find the best rates while maintaining coverages. Consumers only need an understanding of the most effective way to shop for auto insurance over the internet.

You may qualify for discounts

Companies don’t always list every discount very clearly, so the next list breaks down some of the more common and also the lesser-known discounts that you may qualify for.

  • Military Deployment Discount – Having a deployed family member may qualify for rate reductions.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
  • Multiple Vehicles – Buying a policy with multiple cars on a single policy could earn a price break for each car.
  • Early Renewal Discounts – Some insurance companies give discounts for buying a new policy prior to the expiration date on your current policy. It’s a savings of about 10%.
  • Drive Less and Save – Keeping the miles down on your Chevy could qualify for better rates on cars that stay parked.
  • Anti-lock Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Club Memberships – Participating in a qualifying organization can get you a small discount on your bill.
  • Homeowners Pay Less – Owning a home can earn you a little savings since home ownership means you have a higher level of financial diligence.
  • Accident Waiver – Not necessarily a discount, but some insurance companies allow you one accident without raising rates with the catch being you have to be claim-free prior to the accident.
  • No Claim Discounts – Drivers with accident-free driving histories pay less when compared to frequent claim filers.

A quick disclaimer, some of the credits will not apply the the whole policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

A list of car insurance companies and their possible discounts include:

  • GEICO may have discounts that include federal employee, driver training, multi-policy, defensive driver, seat belt use, anti-lock brakes, and multi-vehicle.
  • Auto-Owners Insurance has discounts for mature driver, safe vehicle, air bags, anti-theft, paid in full, and paperless.
  • American Family discounts include TimeAway discount, good driver, good student, accident-free, Steer into Savings, and early bird.
  • Esurance includes discounts for anti-lock brakes, renters, claim free, online quote, DriveSense, safety device, and emergency road assistance.
  • Progressive may include discounts for multi-vehicle, multi-policy, homeowner, online signing, and continuous coverage.
  • State Farm offers discounts including safe vehicle, driver’s education, defensive driving training, good driver, and passive restraint.
  • AAA may offer discounts for multi-car, pay-in-full, education and occupation, multi-policy, anti-theft, AAA membership discount, and good student.

Double check with every company how you can save money. Some discounts may not be available in your area.

There’s no such thing as the perfect insurance policy

When choosing the best insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions can aid in determining if you might need professional guidance.

  • Should I file a claim if it’s only slightly more than my deductible?
  • What is the minimum liability in my state?
  • Am I covered if my car is in a flood?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • How do I buy GAP insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need medical payments coverage since I have good health insurance?
  • Where can I get insurance after a DUI in my state?
  • Do I need replacement cost coverage?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Specific coverages for a 2001 Chevy Express

Understanding the coverages of a auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on the average auto insurance policy.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills like prosthetic devices, X-ray expenses, nursing services, hospital visits and rehabilitation expenses. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This pays for damage to your Express from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with a tree, crashing into a building and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive auto coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a broken windshield, hitting a deer and falling objects. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Liability insurance

This protects you from damage or injury you incur to people or other property. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as bail bonds, pain and suffering and loss of income. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Save your cold hard cash

The cheapest 2001 Chevy Express insurance can be purchased both online in addition to local insurance agencies, and you should compare rates from both to have the best chance of lowering rates. Some insurance companies do not offer rates over the internet and most of the time these regional carriers only sell coverage through independent agents.

When buying insurance coverage, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where an accident victim reduced liability coverage limits only to discover later that it was a big error on their part. Your objective should be to get the best coverage possible for the lowest price and still be able to protect your assets.

More detailed auto insurance information can be read in these articles: