2002 Chevrolet Express Car Insurance Quotes – 10 Policy Discounts

Trying to come up with a payment for expensive insurance can overdraw your personal savings and put a big crunch on your finances. Comparing cost estimates is an excellent way to lower your bills every month.

There is such a variety of car insurance companies to buy insurance from, and although it’s a good thing to be able to choose, it makes it harder to locate the cheapest rates.

Consumers need to compare premium rates as often as possible because rates fluctuate regularly. Even if you got the best deal for Express coverage two years ago a different company probably has better prices today. Forget anything you know (or think you know) about insurance because you’re going to learn the only way to save on insurance.

Buying the cheapest coverage is quite easy. In a nutshell, every driver who is required by state law to have auto insurance will most likely be able to lower their premiums. Although drivers can benefit by having an understanding of how companies sell insurance online.

Where can I get low cost insurance coverage?

To get cheap insurance coverage quotes, there a variety of ways of comparing rates from different companies. The easiest way by far to find affordable Chevy Express insurance rates consists of shopping online. This can be accomplished by using one of the methods below.

  1. The recommended way to get quotes is to use a rate comparison form click to view form in new window. This type of form keeps you from doing a different quote for every insurance coverage company. Filling out one form will get you rate comparisons instantly.
  2. A more time consuming way to get comparison quotes is to take the time to go to each company’s website and fill out a new quote form. For example, let’s say you are doing a rate comparison from Farmers, State Farm and Progressive. You would need to spend time on each company’s site and punch in your information repeatedly, which is why first method is reommended. For a list of links to companies insuring cars in your area, click here.

How you compare quotes is your choice, just be sure you’re using apples-to-apples information with every price quote. If the quotes have different limits and deductibles on each one it will be very difficult to determine the best price for your Chevy Express. Just a small difference in insurance coverages or limits may result in a large different in cost. And when comparison shopping, having more price comparisons provides better odds of finding the best rates.

Discounts can really help lower premiums

Insurance coverage is not cheap nor is it fun to buy but there could be significant discounts that you may not know about. Certain discounts will be applied when you complete an application, but once in a while a discount must be asked about before they will apply. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Good Grades Discount – A discount for being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
  • Sign Online – Certain insurance coverage companies provide a small discount shop insurance coverage digitally online.
  • No Claims – Drivers with accident-free driving histories are rewarded with significantly better rates on insurance coverage quote when compared to drivers who are more careless.
  • Policy Bundle Discount – If you insure your home and vehicles with one insurance company you may earn as much as 10 to 15 percent.
  • Anti-lock Brake Discount – Cars that have anti-lock braking systems can stop better under adverse conditions and earn discounts up to 10%.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up before driving can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Mature Driver Discount – Drivers over the age of 55 may qualify for better insurance coverage rates for Express coverage.
  • Active Military Service – Being on active duty in the military could trigger a small discount.
  • Resident Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Organization Discounts – Being a member of qualifying employment or professional organizations could qualify you for a break on your bill.

Discounts save money, but please remember that most of the big mark downs will not be given to the entire policy premium. Some only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

A list of insurance coverage companies and their possible discounts can be found below.

  • 21st Century has discounts for 55 and older, student driver, automatic seat belts, theft prevention, anti-lock brakes, teen driver, and defensive driver.
  • Progressive offers discounts including good student, continuous coverage, homeowner, online quote discount, and online signing.
  • State Farm discounts include anti-theft, driver’s education, student away at school, good driver, and Steer Clear safe driver discount.
  • Nationwide may include discounts for accident-free, anti-theft, good student, defensive driving, Farm Bureau membership, and family plan.
  • Esurance includes discounts for online quote, multi-car, Switch & Save, paid-in-full, anti-lock brakes, claim free, and good student.
  • The Hartford offers discounts for air bag, bundle, driver training, defensive driver, and vehicle fuel type.

If you are trying to find affordable insurance coverage quotes, ask every company which discounts you qualify for. Some discounts might not apply in your area.

Will just any policy work for me?

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. For example, these questions can help discover whether you might need an agent’s assistance.

  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered when driving in Canada or Mexico?
  • What is no-fault insurance?
  • What is UM/UIM insurance?
  • What can I do if my company denied a claim?
  • Should I buy additional glass protection?
  • Does my insurance cover my expensive audio equipment?
  • What is the minimum liability in my state?
  • Do I benefit by insuring my home with the same company?
  • How many claims can I have before being cancelled?

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, complete this form or you can also visit this page to select a carrier

Car insurance 101

Having a good grasp of your car insurance policy helps when choosing the best coverages for your vehicles. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages available from car insurance companies.

Medical expense insurance – Med pay and PIP coverage kick in for expenses such as dental work, prosthetic devices, ambulance fees and doctor visits. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a broken windshield, hail damage and hitting a deer. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision – This coverage pays to fix your vehicle from damage resulting 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 coverage protects against claims such as damaging your car on a curb, crashing into a ditch, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability coverage – This protects you from damage or injury you incur to people or other property by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things such as medical services, funeral expenses and emergency aid. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Chevy Express.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Saving money makes a lot of cents

Low-cost 2002 Chevy Express insurance is available on the web and also from your neighborhood agents, and you need to price shop both to have the best selection. Some insurance companies do not provide rates over the internet and these regional insurance providers only sell coverage through independent insurance agencies.

As you shop your coverage around, it’s not a good idea to buy poor coverage just to save money. Too many times, someone sacrificed comprehensive coverage or liability limits only to discover later that the small savings ended up costing them much more. Your goal should be to buy enough coverage at the best cost while still protecting your assets.

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