View 2014 Chevrolet Express Car Insurance Cost

Trying to find low-cost insurance for a Chevy Express can be a painful process, but you can use a few tricks and make it easy.

There is a better way to buy car insurance and you need to know the absolute fastest way to compare rates for a new or used Chevy and get the best price possible from local insurance agents and online providers.

It’s a good idea to do price comparisons at least once a year because rates change quite often. Just because you found the best rate for Express insurance a year ago you can probably find a better price now. Block out anything you think you know about car insurance because I’m going to teach you how to use online quotes to remove unneeded coverages and save money.

If you are insured now or are shopping for new coverage, you can follow these tips to cut your premiums and still get good coverage. Locating affordable car insurance is quite easy. Drivers just need to understand the proper methods to shop their coverage around online.

You may qualify for discounts

Insurance coverage is not an enjoyable expense, but you can get discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you purchase, but less common discounts must be asked for before they will apply. If you aren’t receiving every discount you qualify for, it’s possible you qualify for a lower rate.

  • ABS Brakes – Cars and trucks with ABS and/or traction control can reduce accidents and will save you 10% or more.
  • Low Mileage Discounts – Maintaining low annual mileage could be rewarded with discounted premium rates on garaged vehicles.
  • Save with More Vehicles Insured – Buying insurance for several vehicles on a single policy may reduce the rate for each vehicle.
  • Discount for Life Insurance – Select companies reward you with a discounted rate on car insurance if you buy life insurance.
  • Discounts for Safe Drivers – Drivers who avoid accidents could pay up to 40% less for Express insurance compared to rates paid by drivers with frequent claims.
  • No Accidents – Claim-free drivers are rewarded with significantly better rates on car insurance quote as opposed to insureds who have frequent claims or accidents.
  • Bundled Policy Discount – If you have multiple policies with the same insurance company you may save as much as 10 to 15 percent.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get lower premium rates for Express insurance.
  • Passenger Safety Discount – Factory air bags or motorized seat belts can qualify for discounts up to 30%.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most cut specific coverage prices like comp or med pay. Just because it seems like it’s possible to get free car insurance, nobody gets a free ride.

To view insurance companies that offer the discounts shown above, click here.

Reduce insurance rates with these tips

A large part of saving on insurance coverage is knowing the factors that play a part in calculating insurance coverage rates. When you understand what determines premiums, this enables informed choices that may result in cheaper rates. Multiple criteria are part of the calculation when you get a price on insurance. Some are pretty understandable such as your driving history, although others are less apparent like your continuous coverage or your commute time.

Shown below are a few of the things insurance coverage companies consider when setting prices.

  • Do you qualify for a multi-policy discount? – Most insurance companies will award discounts to buyers that have more than one policy in the form of a multi-policy discount. This can amount to five, ten or even twenty percent. Even though this discount sounds good, you still need to get quotes from other companies to help guarantee you have the best rates. Drivers may still find better rates even if you have your coverage with different companies
  • Youthful drivers pay higher rates – More mature drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations.Drivers with little experience are known to be inattentive and easily distracted when driving with friends and because of this, their insurance coverage rates are much higher.
  • Optional features that lower premiums – Buying a car with a theft deterrent system can save you a little every year. Systems that thwart theives like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
  • Lower premiums for cars with good safety ratings – Vehicles with high crash test scores tend to be cheaper to insure. Vehicles engineered for safety help reduce the chance of injuries in an accident and lower rates of occupant injuries means lower claim amounts and lower rates for you. If your Chevy Express is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Having a spouse equates to better prices – Your spouse may save some money when buying insurance coverage. Having a spouse is viewed as being more mature and statistics prove drivers who are married file infrequent claims.

There’s no such thing as the perfect car insurance policy

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different.

These are some specific questions might help in determining whether your personal situation might need an agent’s assistance.

  • Should I bundle my homeowners policy with my auto?
  • What is high-risk coverage and where do I buy it?
  • What discounts do I qualify for?
  • What can I do if my company won’t pay a claim?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How can I find cheaper teen driver insurance?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Car insurance coverages for a 2014 Chevy Express

Having a good grasp of your policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive protection – This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a broken windshield, hail damage, damage from a tornado or hurricane, hitting a deer and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – Collision coverage covers damage to your Express resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a mailbox, rolling your car, crashing into a ditch, sideswiping another vehicle and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chevy Express.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

Liability – This will cover damage or injury you incur to other’s property or people that is your fault. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims such as legal defense fees, repair bills for other people’s vehicles, medical services and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as nursing services, funeral costs, doctor visits, ambulance fees and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Take this to the bank

Budget-conscious 2014 Chevy Express insurance is attainable from both online companies and also from your neighborhood agents, so you need to quote car insurance with both so you have a total pricing picture. Some companies may not have internet price quotes and many times these smaller providers only sell coverage through independent agents.

When buying insurance coverage, you should never reduce needed coverages to save money. There are many occasions where someone dropped uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. Your objective should be to buy a smart amount of coverage at the best cost while still protecting your assets.

People change insurance companies for many reasons like questionable increases in premium, unfair underwriting practices, an unsatisfactory settlement offer or even lack of trust in their agent. It doesn’t matter why you want to switch finding a new auto insurance company is not as difficult as it may seem.

Even more information can be found in the articles below: