2008 Chevrolet Express Insurance Quotes – 8 Ideas for Cheaper Rates

Want the cheapest car insurance rates for your Chevrolet Express? Saving money on car insurance is always hard for beginners to online insurance quotes. Drivers have so many companies to choose from that it can quickly become a difficult situation to compare premium rates.

How to lower your insurance cost

There are multiple methods to compare insurance quotes, and some are less labor-intensive and much quicker. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you can utilize the web for quick rates.

Most of the larger companies take part in a program where insurance shoppers send in one quote, and at least one company returns a competitive quote based on the submitted data. This prevents consumers from doing form submissions to every company.

To use this form to compare rates click here to start a free quote.

The one disadvantage to doing it this way is buyers cannot specifically choose which insurance companies you will receive quotes from. So if you want to choose specific insurance companies to compare, we have assembled a list of low cost insurance companies in your area. Click to view list.

However you get your quotes, double check that you are using identical quote information for every company. If you are comparing different coverage information you will not be able to determine which company has the best rates. Just a small difference in coverages can result in a big premium difference. Keep in mind that comparing more quotes gives you a better chance of getting more affordable rates.

Cheaper rates with these eight auto insurance discounts

Auto insurance can be pricey, but you can get discounts to cut the cost considerably. Some discounts will apply when you get a quote, but some discounts are required to be inquired about before being credited.

  • Discounts for Seat Belt Usage – Requiring all passengers to use their safety belts could cut 10% or more on medical payment and PIP coverage.
  • Payment Discounts – By making one initial payment instead of paying each month you can avoid the installment charge.
  • 55 and Retired – If you qualify as a senior citizen, you may qualify for a small decrease in premiums for Express insurance.
  • Waiver for an Accident – but a handful of insurance companies will forgive one accident before raising your premiums if you are claim-free for a specific time period.
  • Theft Deterent Discount – Cars and trucks with anti-theft systems have a lower chance of being stolen and will save you 10% or more.
  • Driver’s Ed – It’s a good idea to have your young drivers complete a driver education course in school.
  • Low Mileage Discounts – Driving less can qualify you for lower auto insurancerates due to less chance of an accident.
  • Early Switch Discount – Some insurance companies give discounts for switching companies before your current policy expires. You may see this discount when you get insurance quotes online.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, you won’t be that lucky. But all discounts will help reduce your overall bill.

A few of the larger companies and a selection of discounts can be found below.

  • Progressive may offer discounts for good student, online quote discount, multi-policy, homeowner, and online signing.
  • The Hartford offers discounts for defensive driver, air bag, bundle, good student, vehicle fuel type, driver training, and anti-theft.
  • Mercury Insurance policyholders can earn discounts including location of vehicle, professional/association, low natural disaster claims, age of vehicle, and anti-theft.
  • GEICO may have discounts that include military active duty, seat belt use, daytime running lights, federal employee, anti-lock brakes, multi-vehicle, and multi-policy.
  • AAA includes discounts for multi-policy, education and occupation, AAA membership discount, pay-in-full, anti-theft, and good student.
  • State Farm has discounts for student away at school, driver’s education, anti-theft, passive restraint, and Drive Safe & Save.

When getting a coverage quote, ask each company or agent what discounts are available to you. Some discounts might not be offered on policies in every state. To see a list of companies that offer some of these discounts, click here.

Insurance coverage can get complicated

When choosing the best insurance coverage coverage for your personal vehicles, there really is no perfect coverage plan. Each situation is unique.

For example, these questions might help in determining whether your personal situation could use an agent’s help.

  • Where can I get insurance after a DUI in my state?
  • Can my teen driver be rated on a liability-only vehicle?
  • When do I need to add a new car to my policy?
  • Am I covered when driving a rental car?
  • Where can I find high-risk insurance?
  • When would I need rental car insurance?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, fill out this quick form.

Auto insurance coverage breakdown

Learning about specific coverages of auto insurance can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Liability car insurance

This coverage protects you from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see 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 like emergency aid, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, damage from flooding, hitting a deer, a broken windshield and falling objects. 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 consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Usually these limits are set the same as your liablity limits.

Insurance for medical payments

Med pay and PIP coverage provide coverage for expenses such as surgery, prosthetic devices, chiropractic care, rehabilitation expenses and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Collision insurance

Collision insurance pays for damage to your Express resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, driving through your garage door and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

And the best car insurance company is…

Affordable 2008 Chevy Express insurance is definitely available online and also from your neighborhood agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance providers don’t offer the ability to get quotes online and many times these regional carriers sell through local independent agencies.

Throughout this article, we presented many ideas to shop for 2008 Chevy Express insurance online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding cheaper insurance. Consumers could even find that the lowest priced car insurance comes from some of the smallest insurance companies.

As you restructure your insurance plan, it’s very important that you do not skimp on critical coverages to save a buck or two. In many instances, someone sacrificed liability limits or collision coverage only to find out they didn’t have enough coverage. Your objective should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

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