Lower Your 2004 Chevrolet Express Insurance Quotes

Do you get exhausted from sacrificing to pay high car insurance rates every month? You are no different than millions of other vehicle owners.

Lots of insurance companies contend for your business, and because of this it can be hard to compare car insurance companies to discover the definitive lowest price

Discounts for cheaper auto insurance rates

Car insurance can cost a lot, but you might find some hidden discounts that may help make it more affordable. Larger premium reductions will be automatically applied when you complete an application, but some discounts are required to be inquired about before you get the savings.

  • Anti-theft System – Anti-theft and alarm system equipped vehicles can help prevent theft and can earn a small discount on your policy.
  • Discounts for Responsible Drivers – Insureds who avoid accidents may receive a discount up to 45% for Express insurance than their less cautious counterparts.
  • Discount for New Cars – Putting insurance on a new car is cheaper because newer models keep occupants safer.
  • Discounts for Multiple Vehicles – Buying coverage for several vehicles on one policy may reduce the rate for each vehicle.
  • 55 and Retired – Drivers over the age of 55 could receive a discount up to 10% for Express insurance.
  • Service Members Pay Less – Being deployed in the military could trigger a small discount.
  • Passive Restraints and Air Bags – Factory air bags can qualify for discounts as much as 30%.
  • ABS Braking Discount – Cars, trucks, and SUVs equipped with ABS or steering control can reduce accidents and will save you 10% or more.

Don’t be shocked that most of the big mark downs will not be given the the whole policy. The majority will only reduce specific coverage prices like medical payments or collision. If you do the math and it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

Some of the larger companies that may have most of the discounts above include:

If you want cheaper insurance coverage quotes, ask every company what discounts are available to you. Savings may not apply in your area. To locate insurers that provide some of the discounts listed above, click here.

How to buy car insurance

There are several ways of comparing rates from all the different companies. The simplest method to find the lowest Chevy Express rates consists of obtaining rate quotes online. This is very easy and can be done in a couple minutes as outlined below.

  1. The fastest and easiest way to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This easy form saves time by eliminating separate quote forms for every car insurance company. Completing one form will get you rate comparisons from several companies.
  2. A different way to analyze rates requires you to visit the website for each individual company and get a separate price quote. For example, we’ll assume you want to compare prices for Auto-Owners, GEICO and GMAC. To do that, you would have to navigate to each company’s site and repeatedly type in your coverage information, which can get old fast.

    For a list of links to companies insuring cars in your area, click here.

You can choose any of those ways to find more affodable coverage, but ensure you are comparing the same quote information on every quote you get. If you enter higher or lower deductibles you will not be able to get a fair rate comparison. Slightly different coverage limits can make a big difference in price. And when comparing car insurance rates, know that comparing more rates from different companies increases your odds of finding more affordable rates.

Informed drivers can reduce their insurance rates

Lots of things are used when premium rates are determined. Some factors are common sense like your driving record, but others are not quite as obvious such as your marital status or how financially stable you are.

Shown below are some of the major factors used by insurance companies to determine prices.

  • Higher auto insurance rates for policy lapses – Not maintaining insurance is illegal and as a result your rates will increase for letting your coverage lapse. And not only will insurance be more expensive, getting caught without coverage may result in fines or a revoked license.
  • Drive less and save – The higher the miles on your Chevy in a year’s time the more it will cost to insure it. A lot of companies calculate prices based upon how much you drive. Autos that have low annual miles can get a lower rate than those used for commuting. Incorrect rating for your Express can cost quite a bit. It’s a smart idea to ensure your auto insurance policy correctly shows the correct driver usage.
  • Stay claim-free and reduce prices – If you file claims often, don’t be surprised to see either higher rates or even cancellation. Auto insurance companies provide cheaper rates to people that do not abuse their auto insurance. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Liability coverage is critical – Your policy’s liability coverage will provide protection if you are determined to be liable for personal injury or accident damage. Liability insurance provides you with a defense in court to attempt to prove you were not liable. Liability is cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Obey driving laws and save – Even one ticket may cause rates to rise by as much as thirty percent. Attentive drivers pay less for auto insurance than people who have multiple driving citations. People who have license-revoking violations such as DWI, reckless driving or hit and run convictions might be required by their state to complete a SR-22 with their state’s department of motor vehicles in order to drive a vehicle legally.
  • Teenagers are high risk – Older insureds are viewed as being more responsible, tend to file fewer claims , and are generally more financially stable.Youthful drivers are known to be inattentive when driving with friends so they pay higher auto insurance rates.

Tailor your insurance coverage to you

When choosing proper insurance coverage, there really is not a “perfect” insurance plan. Every situation is different so this has to be addressed. Here are some questions about coverages that may help highlight whether or not you might need an agent’s assistance.

  • Can I afford to pay high deductible claims out of pocket?
  • What vehicles should carry emergency assistance coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • How does medical payments coverage work?
  • Do I have coverage when pulling a U-Haul trailer?
  • Are my friends covered when driving my car?
  • Do I need motorclub coverage?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area.

Auto insurance coverage basics

Understanding the coverages of your auto insurance policy can be of help when determining appropriate coverage for your vehicles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverages available from auto insurance companies.

Liability insurance

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

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 liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as repair bills for other people’s vehicles, loss of income, legal defense fees, structural damage and funeral expenses. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Comprehensive auto insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like fire damage, falling objects, damage from getting keyed and a broken windshield. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your 2004 Chevy Express.

Due to the fact that 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 insurance

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 then insurance will cover the remainder.

Collision coverage protects against claims such as scraping a guard rail, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like rehabilitation expenses, X-ray expenses and prosthetic devices. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

You can do this!

You just read many ways to lower your 2004 Chevy Express insurance prices. It’s most important to understand that the more quotes you get, the better likelihood of getting cheap insurance coverage. Drivers may discover the biggest savings come from some of the lesser-known companies. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm and Allstate.

When shopping online for car insurance, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where an insured cut liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage for the lowest price, but don’t skip important coverages to save money.

More tips and info about car insurance can be found by following these links: