Cheap 2006 Chevrolet Express Insurance Quotes

Looking for lower insurance rates for your Chevrolet Express? Did you make the mistake of buying overpriced insurance? Don’t sweat it because there are a lot of people just like you who feel imprisoned by their insurance policy.

Many auto insurance companies vie to insure your vehicles, and it can be difficult to compare rates and get the definite lowest cost out there.

Consumers need to do rate comparisons quite often because rates go up and down regularly. If you had the best rate on Express insurance a couple years back you may be paying too much now. Forget all the misinformation about insurance because we’re going to demonstrate how to use the internet to eliminate unnecessary coverages and save money.

How to lower your auto insurance cost

Performing a rate comparison can be exhausting if you don’t utilize the easiest way. You can waste hours talking about coverages with insurance companies in your area, or you can utilize online quotes to quickly compare rates.

Most of the best insurance companies enroll in a system that enables customers to enter their coverage request one time, and at least one company returns a competitive quote determined by their information. This saves time by eliminating quote forms for each company you want a rate for.

To compare rates now click here to open in new window.

The one disadvantage to getting quotes like this is buyers cannot specifically choose which companies you want to price. If you prefer to choose from a list of companies to compare, we have assembled a list of companies who write auto insurance in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but be certain you are entering the same deductibles and coverage limits with every price quote. If your comparisons have different deductibles it will be next to impossible to make a fair rate comparison. Having just a slight variation in insurance coverages may result in a large different in cost. And when price shopping your coverage, comparing more quotes increases the change that you will find a lower rate than you’re paying now.

More discounts mean cheaper premiums

Car insurance is not cheap nor is it fun to buy but you may find discounts to help bring down the price. Certain reductions will be credited at quote time, but a few must be asked about prior to receiving the credit.

No Accidents – Drivers who don’t have accidents pay less in comparison with accident-prone drivers.
Anti-lock Brake Discount – Vehicles with ABS and/or traction control can stop better under adverse conditions and therefore earn up to a 10% discount.
Discount for Home Ownership – Owning your own home or condo can save you money because owning a home means you have a higher level of financial diligence.
Payment Discounts – If you can afford to pay the entire bill rather than paying in monthly installments you could save up to 5%.
Driver Training Discounts – Taking part in a course in safe driver may get you a small discount and also improve your driving technique.

Keep in mind that most discounts do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, it doesn’t quite work that way.

The best car insurance companies and some of the premium reductions they offer include:

Farm Bureau may include discounts for multi-policy, multi-vehicle, renewal discount, good student, driver training, and safe driver.
State Farm discounts include student away at school, multiple policy, Drive Safe & Save, anti-theft, and Steer Clear safe driver discount.
Progressive has savings for online quote discount, online signing, homeowner, multi-policy, multi-vehicle, and continuous coverage.
Allstate has discounts for premier discount, EZ pay plan discount, 55 and retired, utility vehicle, and early signing.
Nationwide offers discounts including multi-policy, family plan, business or organization, Farm Bureau membership, anti-theft, and easy pay.
MetLife offers discounts for good driver, good student, multi-policy, claim-free, accident-free, defensive driver

Check with each insurance company which discounts you qualify for. Some of the earlier mentioned discounts may not apply to policies in your area. To view providers who offer online car insurance quotes, click here to view.

It’s not one size fits all

When it comes to choosing the best insurance coverage coverage, there really is no single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that For instance, these questions might point out whether your personal situation might need professional guidance.

What is the difference between comprehensive and collision coverage?
If my 2006 Chevy Express is totaled, can I afford another vehicle?
Am I covered if I crash into my own garage door?
Does my policy cover me when driving someone else’s vehicle?
Should I bundle my homeowners policy with my auto?
Why does it cost so much to insure a teen driver?
Should I have combined single limit or split liability limits?
Should I buy more coverage than the required minimum liability coverage?
I have health insurance so do I need medical payments coverage?
Does coverage extend to my business vehicle?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Car insurance coverages explained

Having a good grasp of a car insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types offered by car insurance companies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Liability insurance

This protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has 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 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like legal defense fees, structural damage and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as chiropractic care, hospital visits, dental work, funeral costs and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage

This covers damage to your Express resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as driving through your garage door, sideswiping another vehicle, colliding with another moving vehicle, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, vandalism, a tree branch falling on your vehicle, hitting a deer and a broken windshield. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.