2015 Chevrolet City Express Insurance Quotes – 8 Tips to Save

Finding better insurance prices for a Chevy City Express can turn out to be an all-consuming task, but you can learn our insurance buying tips to save time. There are both good and bad ways to compare insurance rates and we’ll show you the quickest way to get price quotes for your Chevy and obtain the cheapest rates either online or from local insurance agents.

You should take the time to get comparison quotes before your next renewal because prices change frequently. Just because you found the best deal on City Express insurance a couple years back there may be better deals available now. There is a lot of wrong information about insurance online, but in just a couple of minutes you can learn some of the best techniques to lower your insurance rates.

Lower rates by qualifying for these eight discounts

Some insurers don’t always advertise their entire list of discounts in a way that’s easy to find, so below is a list a few of the more common and also the lesser-known auto insurance savings.

  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Multi-Vehicle Discounts – Having several vehicles on the same auto insurance policy could earn a price break for each car.
  • Include Life Insurance and Save – Larger insurance carriers have lower rates if you buy life insurance.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Chevy may enable drivers to earn cheaper prices.
  • Paper-free Discount – Some auto insurance companies will provide an incentive for completing your application over the internet.
  • Multi-policy Discount – If you combine your home and auto policies with the same company you could save over 10 percent off each policy depending on the company.
  • Resident Student – Youth drivers who attend college more than 100 miles from home and do not have a car can receive lower rates.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, it doesn’t quite work that way.

To choose insurers that have a full spectrum of discounts, click this link.

Insurance coverage is unique, just like you

When choosing coverage, there really is no perfect coverage plan. Every insured’s situation is different.

For instance, these questions might help in determining if you will benefit from professional help.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I need roadside assistance coverage?
  • When should my teen driver be added to my policy?
  • Do I need more liability coverage?
  • What is the minimum liability in my state?
  • When would I need additional glass coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

What car insurance coverages do you need?

Learning about specific coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Auto liability insurance

Liability insurance protects you from damages or injuries you inflict on people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like legal defense fees, pain and suffering, funeral expenses, emergency aid and medical services. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses for things like dental work, chiropractic care, prosthetic devices and EMT expenses. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

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

Comprehensive coverage pays for things such as hitting a bird, falling objects, a tree branch falling on your vehicle and damage from flooding. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage will pay to fix damage to your City Express resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like driving through your garage door, sideswiping another vehicle, hitting a parking meter, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Buy Smart and Save

Drivers who switch companies do it for a number of reasons such as not issuing a premium refund, unfair underwriting practices, high rates after DUI convictions and delays in responding to claim requests. Regardless of your reason, switching car insurance companies is pretty easy and you might even save some money in the process.

Budget-friendly car insurance is available both online in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies don’t offer online quoting and these smaller companies prefer to sell through independent agencies.

In this article, we covered a lot of ways to compare 2015 Chevy City Express insurance premium rates online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your prices. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising.

Additional detailed information is available by following these links: