2015 Chevrolet Express Car Insurance Cost – 7 Tricks for Cheaper Prices

Looking for better auto insurance rates for your Chevrolet Express? Scraping up a payment for overpriced Chevrolet Express insurance can overdraw your bank account and force you to prioritize other expenses. Comparison shopping can help to cut your insurance bill.

Multiple insurers compete to insure your vehicles, and because of this it can be hard to compare car insurance companies to get the best rate

If you have car insurance now, you should be able to reduce your rates substantially using these techniques. Finding the best rates is easy if you know what you’re doing. Nevertheless, vehicle owners do need to know how big insurance companies market insurance on the web.

Use discounts on auto insurance

Car insurance companies don’t necessarily list every available discount in an easy-to-find place, so the list below details some of the best known in addition to some of the lesser obvious discounts that you may qualify for. If they aren’t giving you every credit you qualify for, you could be paying more than you need to.

  • Early Signing – A few companies give discounts for signing up before your current expiration date. You may see this discount when you get auto insurance quotes online.
  • Policy Bundle Discount – When you have multiple policies and insure them with the same company you could get a discount of nearly 15% which can help you find cheaper auto insurance.
  • No Accidents – Drivers who don’t have accidents pay less as opposed to policyholders that have many claims.
  • Cautious Drivers – Drivers who avoid accidents could pay up to 40% less on Express insurance than less cautious drivers.
  • Low Miles Discount – Maintaining low annual mileage could be rewarded with slightly better auto insurancerates than normal.
  • E-sign Discounts – Some insurance companies will discount your bill up to fifty bucks for signing up over the internet.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to fasten their seat belts could cut 10% or more on the medical payments or PIP coverage costs.

You should keep in mind that most of the big mark downs will not be given to the entire cost. Most only cut specific coverage prices like comprehensive or collision. Even though it appears you could get a free auto insurance policy, nobody gets a free ride.

A few companies who may offer these discounts include:

When getting a coverage quote, ask every company which discounts you may be entitled to. Some credits might not apply in your area. To locate insurance companies that can offer you the previously mentioned discounts, follow this link.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that may help you determine if your situation might need professional guidance.

  • What are the best liability limits?
  • Is upholstery damage covered by car insurance?
  • What is high-risk coverage and where do I buy it?
  • Should I drop comprehensive coverage on older vehicles?
  • Can I make deliveries for my home business?
  • How can I get my company to pay me more for my totalled car?
  • Am I getting all the discounts available?
  • What is covered by UM/UIM coverage?
  • Do I need more liability coverage?
  • What is UM/UIM insurance?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Coverages available on your policy

Knowing the specifics of your policy helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages available from insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Chevy Express.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are set the same as your liablity limits.

Comprehensive insurance

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, damage from flooding, theft and hitting a bird. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for bills such as EMT expenses, nursing services, rehabilitation expenses and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage pays for damage to your Express caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with another moving vehicle, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Liability

This protects you from injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as court costs, bail bonds, structural damage, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but buy higher limits if possible.

A little work can save a LOT of money

We’ve covered a lot of ways to lower your 2015 Chevy Express insurance premium rates. It’s most important to understand that the more providers you compare, the better likelihood of getting cheaper auto insurance. Drivers may discover the lowest priced insurance comes from a company that doesn’t do a lot of advertising. They may often insure only within specific states and give getter rates as compared to the big name companies such as GEICO and State Farm.

When searching for low cost auto insurance quotes, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, an insured cut physical damage coverage to discover at claim time that it was a big error on their part. The goal is to buy enough coverage at an affordable rate, but do not skimp to save money.

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