2003 Chevrolet Express Insurance Quotes – 8 Tips for Cheapest Rates

Pricey car insurance can bottom out your personal savings and make it tough to pay other bills. Many insurance companies compete for your insurance dollar, and because of this it can be hard to compare auto insurance companies to find the absolute best price available.

It’s smart to price shop coverage before your next renewal due to the fact that insurance prices change quite often. If you had the best rate for Express insurance a few years ago there is a good chance you can find better premium rates now. Block out anything you think you know about car insurance because you’re about to find out the quickest way to eliminate unnecessary coverages and save money.

If you have a policy now or need a new policy, you can learn to cut your premiums and possibly find even better coverage. Choosing the best insurance company for you is not that difficult. Consumers just need to know how to compare price quotes online.

Car insurance discounts are available to cut your rates

Car insurance is easily one of your largest bills, but there could be significant discounts to help bring down the price. A few discounts will automatically apply at the time of purchase, but some discounts are required to be asked about before being credited.

  • Cautious Driver Discounts – Safe drivers could pay up to 40% less for Express insurance than their less cautious counterparts.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle up can save up to 15% on medical payment and PIP coverage.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for a slight reduction on a insurance coverage quote for Express insurance.
  • Driver Training Discounts – Taking time to complete a course in defensive driver can save you 5% or more if you qualify.
  • Payment Method – By making one initial payment instead of making monthly payments you can avoid the installment charge.
  • Discount for Good Grades – A discount for being a good student may save you up to 25%. Earning this discount can benefit you well after school through age 25.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course as it can save substantially.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the overall cost of the policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

Companies that may have some of the discounts shown above possibly include:

When getting free insurance coverage quotes, it’s a good idea to each company or agent how you can save money. Discounts might not be available to policyholders in your area. To see a list of insurers that offer discounts, follow this link.

Everyone needs different insurance coverage coverages

When buying the best insurance coverage coverage, there really is not a best way to insure your cars. Everyone’s needs are different so your insurance should reflect that For instance, these questions may help highlight whether your personal situation may require specific advice.

  • Who is covered by my policy?
  • Where can I find DUI or SR-22 insurance?
  • Is a blown tire covered by insurance?
  • How much liability coverage do I need in my state?
  • Am I covered if I crash into my own garage door?
  • Can I afford to pay high deductible claims out of pocket?
  • Should I file a claim if it’s only slightly more than my deductible?
  • When should I drop full coverage on my 2003 Chevy Express?
  • Am I covered if I drive in a foreign country?
  • How can I get my company to pay me more for my totalled car?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance coverage companies in your area. It is quick, free and can help protect your family.

Auto insurance 101

Understanding the coverages of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are typical coverages found on the average insurance policy.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for expenses like hospital visits, pain medications and nursing services. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like falling objects, vandalism and damage from flooding. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability

This provides protection from damages or injuries you inflict on people or other property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like loss of income, funeral expenses, repair costs for stationary objects and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Chevy Express.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a mailbox, backing into a parked car, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to increase the deductible to save money on collision insurance.

In any little way, save everyday

When getting insurance coverage quotes online, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, drivers have reduced comprehensive coverage or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible at the best cost, but do not sacrifice coverage to save money.

You just read a lot of ways to save on 2003 Chevy Express insurance. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from the smaller companies. Some small companies may only write in your state and offer lower rates compared to the large companies like State Farm or Progressive.

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