2009 Chevrolet Express Car Insurance Quotes

Looking for lower auto insurance rates for your Chevrolet Express? If you’re looking for lower-cost insurance on the web, are you baffled by the number of auto insurance choices? You’re not alone. There are so many choices available that it can really be a burden to locate the lowest prices.

You should take the time to do price comparisons periodically since insurance rates are constantly changing. Even if you got the best deal on Express coverage a few years ago other companies may now be cheaper. Ignore everything you know about auto insurance because you’re going to get a crash course in the things you must know in order to reduce your cost while increasing coverage.

How to lower your insurance cost

When comparison shopping, there are several ways to compare quotes from different companies. The easiest way to find the cheapest 2009 Chevy Express insurance rates is to jump online and get quotes. This can be done in just a few minutes using one of these methods.

  • The fastest and easiest way to compare a lot of rates at once is a comparison rater form click to view form in new window. This style of form eliminates the need for multiple quote forms for every company. Taking the time to complete one form compares rates from insurance companies with the best prices. This is perfect if you don’t have a lot of time.
  • A different way to get comparison quotes requires a visit to each company’s website and repeat the quote process again and again. For instance, let’s say you want to view quotes from GEICO, Safeco and Liberty Mutual. To get rate quotes you would need to visit each site and punch in your information repeatedly, which can be really labor intensive. To view a list of companies in your area, click here.
  • The most difficult method of getting rate comparisons is driving around to local insurance agencies. Buying insurance online has reduced the need for local agents unless you prefer the personal advice of an agent trained in personal lines coverage. If you prefer, some companies allow you to obtain prices from the web but buy from a local insurance agent.

Take whichever approach you prefer, but make sure you compare identical quote data with every price quote. If you enter unequal deductibles or liability limits it will be next to impossible to make a fair rate comparison. Quoting even small variations in coverage limits may result in large price differences. It’s important to know that comparing more rates from different companies helps improve the odds of finding a better price. Some companies don’t provide online rate quotes, so it’s recommended that you also compare rates from them as well.

Save 15 percent in 15 minutes? Is it for real?

Big name companies like 21st Century, Allstate and State Farm regularly use television and radio advertisements. All the ads have a common claim that drivers will save a bundle if you just switch to their company. But how can every company make the same claim? This is the trick they use.

All companies can use profiling for the type of customer that earns them a profit. One example of a profitable insured may be over the age of 40, has had continuous coverage, and drives a vehicle with a low ISO rating. Anyone who fits that profile will probably get cheap prices as well as cut their rates if they switch.

Consumers who do not fit these criteria will be charged higher premiums and this results in business not being written. The wording the ads use say “people who switch” not “everybody who quotes” will save that much if they switch. That is how companies can truthfully advertise the way they do.

This illustrates why you really should compare many company’s premium rates. It’s just not possible to know which auto insurance company will have the best car insurance rates at this point in time.

How insurance companies calculate Chevy Express insurance premiums

Lots of factors are used in the calculation when you get a price on insurance. A few of the factors are predictable such as your driving record, but other criteria are less obvious like your vehicle usage and annual miles driven.

Shown below are some of the major factors utilized by car insurance companies to help set your rates.

  • Gender is a factor – Over time, data shows that men are more aggressive behind the wheel. The data does not necessarily mean that women are BETTER drivers than men. Males and females cause at-fault accidents in similar numbers, but the men cause more damage. They also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers tend to get in the most accidents and are penalized with high insurance rates.
  • Deter vehicle theft – Selecting a car model with advanced anti-theft systems can help lower your rates. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent auto theft and help lower rates.
  • Higher comp and collision deductibles are cheaper – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Some coverage claims would be a broken side mirror, vandalism, and burglary. Comp and collision deductibles state the amount of money you are willing to pay in the event of a claim. The more of the claim the insured has to pay upfront, the less your insurance will be on Express coverage.
  • Buy as much liability insurance as you can afford – The liability section of your policy will afford coverage when you are ruled to be at fault for causing personal injury or damage in an accident. Your liability coverage provides legal defense coverage starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.

Insurance discounts are available to cut your rates

Some companies do not list the complete list of policy discounts in an easy-to-find place, so the list below contains some of the best known in addition to some of the lesser obvious credits available to you.

  • Claim-Free Discount – Claim-free drivers can save substantially compared to policyholders that have many claims.
  • Anti-theft Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
  • ABS and Traction Control Discounts – Vehicles that have steering control and anti-lock brakes prevent accidents so you can save 10 percent or more.
  • Discounts for Multiple Vehicles – Buying coverage for several vehicles on one policy may reduce the rate for each vehicle.
  • Active Military Service – Being on active duty in the military could qualify you for better rates.
  • Professional Memberships – Being in qualifying employment or professional organizations is a good way to get lower rates on your next insurance statement.
  • Early Signing – A few larger companies allow discounts for renewing your policy early. It can save you around 10%.
  • College Student Discount – Kids living away from home attending college and leave their car at home may be able to be covered for less.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts may get savings up to 30%.

Drivers should understand that most discounts do not apply to the overall cost of the policy. Some only reduce individual premiums such as medical payments or collision. So even though you would think adding up those discounts means a free policy, it doesn’t quite work that way.

To see a list of providers with significant discounts, follow this link.

Everyone needs different car insurance coverages

When it comes to choosing adequate coverage, there is no perfect coverage plan. Each situation is unique.

For instance, these questions may help highlight whether your personal situation will benefit from professional help.

  • Does medical payments coverage apply to all occupants?
  • Is my dog or cat covered if injured in an accident?
  • Do I have coverage if my license is suspended?
  • What is the difference between comprehensive and collision coverage?
  • When should my teen driver be added to my policy?
  • Does my insurance cover my expensive audio equipment?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form.

Specifics of your insurance policy

Knowing the specifics of your insurance policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills for nursing services, pain medications and rehabilitation expenses. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a deer, falling objects, theft and hitting a bird. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverage

This coverage protects you from damage that occurs to other people or property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different 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 stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like medical expenses, bail bonds and attorney fees. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Coverage for collisions

Collision coverage will pay to fix damage to your Express from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a mailbox, sideswiping another vehicle and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

And the best car insurance company is…

Drivers switch companies for many reasons like high prices, poor customer service, high rates after DUI convictions or questionable increases in premium. It doesn’t matter what your reason, finding a great new company is not as hard as you think.

Cheaper 2009 Chevy Express insurance can be purchased on the web and from local insurance agents, and you should compare rates from both to get a complete price analysis. Some insurance companies may not provide online quoting and usually these regional carriers work with independent insurance agents.

When getting car insurance quotes online, it’s not a good idea to buy poor coverage just to save money. There have been many cases where an insured dropped collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy enough coverage at the best price, but do not sacrifice coverage to save money.

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