Cheap 2012 Chevrolet Express Insurance Rates

Are you tired of robbing Peter to pay Paul to pay high auto insurance rates every month? You have the same problem as the majority of other vehicle owners.

Insurance companies such as Progressive, State Farm and GEICO all claim big savings, bombarding you with catchy ads and it is challenging if not impossible to sift through the bull and find the best price available.

If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Finding affordable coverage is not that difficult. But car owners benefit from understanding how companies compete online because it can help you find the best coverage.

Get lower rates with these insurance discounts

Car insurance companies do not list all possible discounts very well, so we researched both the well known as well as the least known ways to save on insurance. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Waiver for an Accident – Not necessarily a discount, but some companies like Progressive, State Farm and GEICO may permit one accident before hitting you with a surcharge so long as you are claim-free prior to being involved in the accident.
  • Driver’s Education for Students – Require your teen driver to participate in a local driver’s education class as it can save substantially.
  • Low Mileage Discounts – Driving fewer miles may enable drivers to earn lower rates due to less chance of an accident.
  • Discount for Swiching Early – Some insurance companies provide a discount for renewing your policy before your current coverage expires. It’s a savings of about 10%.
  • Discount for Life Insurance – Some companies give lower premium rates if you buy life insurance.
  • Defensive Driver Discounts – Successfully completing a driver safety course could earn you a small percentage discount and easily pay for the cost of the class.
  • Cautious Driver Discount – Insureds without accidents can pay as much as 50% less for Express coverage than drivers with accidents.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% for Express coverage but check with your company.
  • New Car Discount – Putting insurance coverage on a new car can get you a discount compared to insuring an older model.
  • No Claims – Drivers with accident-free driving histories are rewarded with significantly better rates on car insurance quote in comparison with accident-prone drivers.

Remember that some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, you’re out of luck.

A few popular companies and a selection of discounts are detailed below.

  • Travelers includes discounts for payment discounts, multi-policy, good student, IntelliDrive, and home ownership.
  • 21st Century policyholders can earn discounts including air bags, defensive driver, 55 and older, homeowners, good student, early bird, and driver training.
  • State Farm has savings for passive restraint, student away at school, accident-free, multiple policy, good driver, multiple autos, and good student.
  • GEICO may offer discounts for emergency military deployment, defensive driver, air bags, multi-vehicle, daytime running lights, seat belt use, and federal employee.
  • SAFECO has discounts for homeowner, anti-theft, safe driver, teen safe driver, multi-car, bundle discounts, and accident prevention training.
  • AAA offers discounts including good student, pay-in-full, multi-policy, AAA membership discount, and anti-theft.

Before purchasing a policy, check with all the companies what discounts are available to you. Some discounts may not apply to policyholders everywhere. To see insurance companies that have a full spectrum of discounts, click here to view.

Get lower-cost car insurance with these tips

Many things are used in the calculation when you quote your car insurance policy. A few of the factors are predictable like your driving record, although others are not as apparent such as your credit history or your vehicle rating.

  • How your age affects premiums – Drivers with little experience are statistically proven to be easily distracted with other occupants in the car so car insurance rates are higher. If you’ve ever had to add a inexperienced driver onto your car insurance can increase premiums substantially. Older drivers tend to be more responsible, cause fewer claims and accidents and get fewer tickets.
  • Prices are affected by your address – Choosing to live in smaller towns and rural areas of the country is a good thing when shopping for auto insurance. Fewer drivers means less chance of accidents in addition to fewer liability claims. People in densly populated areas tend to have more auto accidents and longer commutes to work. Higher commute times means a statistically higher chance of an accident.
  • Raise comp and collision deductibles and save – Comprehensive and collision coverage deductibles tell how much you are willing to pay if the claim is covered. Coverage for physical damage, also known as collision and other-than-collision, insures against damage to your car. Examples of some claims that would be covered could be colliding with a stationary object, vandalism, and damage from wind. The higher the amount the insured has to pay upfront, the less your car insurance will be for Express coverage.
  • Only buy what you need – There are a ton of extra bells and whistles that sound like a good idea at the time when buying car insurance. Things like roadside assistance, towing, and term life insurance may not be needed and are just wasting money. You may think they are a good idea when deciding what coverages you need, but if you don’t need them think about removing them and cutting costs.
  • Qualify for multi-policy discounts – The majority of insurance companies will give better rates to clients that buy multiple policies such as combining an auto and homeowners policy. The discount can add up to ten or even fifteen percent. Even though this discount sounds good, it’s in your best interest to compare other insurance prices to help ensure you have the lowest rates.
  • Buy as much liability protection as you can afford – Liability insurance is the protection if you are found to be at fault for personal injury or accident damage. Your liability coverage provides legal defense which can cost thousands of dollars. It is affordable coverage as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.

Auto insurance can get complicated

When it comes to choosing adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique and your policy should reflect that. For example, these questions might point out if you would benefit from an agent’s advice.

  • What exactly is covered by my policy?
  • What discounts do I qualify for?
  • When should I drop full coverage on my 2012 Chevy Express?
  • Which companies will insure high-risk drivers?
  • Does liability extend to a camper or trailer?
  • Why does it cost so much to insure a teen driver?
  • Is other people’s property covered if stolen from my vehicle?
  • What can I do if my company denied a claim?
  • How much liability insurance is required?
  • Does my policy pay for OEM or aftermarket parts?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Coverages available on your insurance policy

Understanding the coverages of your policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages found on most insurance policies.

Coverage for collisions

Collision insurance covers damage to your Express resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as sustaining damage from a pot hole, backing into a parked car, colliding with a tree and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Chevy Express.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally these coverages are identical to your policy’s liability coverage.

Auto liability insurance

Liability insurance protects you from damage or injury you incur to people or other property. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims like attorney fees, funeral expenses, repair bills for other people’s vehicles, structural damage and medical expenses. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses such as hospital visits, dental work and EMT expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, hail damage, fire damage, damage from flooding and rock chips in glass. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Be Smart and Buy Smart

Discount 2012 Chevy Express insurance is attainable on the web as well as from insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers may not have online price quotes and many times these regional insurance providers only sell through local independent agents.

You just learned a lot of ways to get a better price on 2012 Chevy Express insurance. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on insurance coverage is with a smaller regional carrier. Some small companies often have lower premium rates on specific markets compared to the large companies like Progressive or GEICO.

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