View 2016 Chevrolet Express Car Insurance Rates

Looking for lower insurance rates for your Chevrolet Express? Are you regretting buying an expensive insurance policy? You’re in good company because many drivers feel the same as you. Big-name insurance companies like GEICO, 21st Century and Progressive all claim big savings with catchy ads and it can be hard to see through the deception and take the time to shop coverage around.

The Chevy Express insurance cost equation

Multiple criteria are part of the equation when you get your auto insurance bill. Some factors are common sense like an MVR report, although others are less apparent like where you live or how safe your car is.An important part of buying insurance is that you know a few of the rating criteria that help calculate the rates you pay for insurance coverage. If you have some idea of what determines base rates, this empowers consumers to make smart changes that can help you get lower rates.

The factors shown below are some of the major factors used by companies to determine your prices.

  • A linsurance coverage lapse is a bad thing – Not maintaining insurance is not a good idea and you will pay a penalty because you let your insurance expire. In addition to paying higher premiums, failure to provide proof of insurance can result in a revoked license or a big fine. You will then be forced to prove you have insurance by filing a SR-22 with your state DMV.
  • Liability coverage – A critical coverage on your policy, liability insurance will provide protection in the event that you are found to be at fault for an accident. It will provide legal defense coverage to defend your case. Liability is cheap compared to other policy coverages, so drivers should carry high limits.
  • Gender matters – Statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes are responsible for at-fault accidents at about the same rate, but the males cause more damage and cost insurance companies more money. Not only are claims higher, but men get ticketed for serious violations like DUI and reckless driving. Male teenagers have the highest risk to insure and are penalized with high insurance coverage rates.
  • More people means more accidents – Residing in less populated areas has definite advantages when talking about insurance coverage. Fewer drivers on the road translates into fewer accident claims as well as less vandalism and auto theft. Residents of big cities have to deal with more traffic problems and much longer commute distances. More time commuting means a statistically higher chance of an accident.
  • Lower rates for married couples – Being married can actually save you money on your insurance coverage bill. Having a significant other generally demonstrates drivers are less irresponsible and statistics show married drivers tend to file fewer claims.
  • Multiple policies with one company can save – Most larger insurance companies afford lower prices to clients who carry more than one policy, otherwise known as a multi-policy discount. Even if you qualify for this discount already, consumers should still compare other insurance prices to help guarantee you have the best rates. Drivers may still find better rates by insuring with multiple companies.

Discounts for affordable insurance rates

Auto insurance companies don’t always list all disounts in a way that’s easy to find, so the following is a list of a few of the more well known and also the more inconspicuous discounts you could be receiving when you buy insurance coverage online.

  • No Claims – Drivers with accident-free driving histories pay less as compared to drivers who are more careless.
  • Employee of Federal Government – Having worked for a branch of the government can save as much as 8% on Express insurance with certain companies.
  • Switch and Save Discount – Some larger companies give discounts for switching to them before your current policy expires. It’s a savings of about 10%.
  • Telematics Discount – Drivers who agree to allow driving data submission to analyze driving patterns by using a telematics device in their vehicle such as State Farm’s In-Drive might see lower rates if they show good driving skills.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts may qualify for discounts of 20% or more.
  • Low Mileage Discounts – Low mileage vehicles may allow you to get lower rates due to less chance of an accident.

A little disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only reduce individual premiums such as liability and collision coverage. Even though the math looks like you could get a free insurance policy, it’s just not the way it works.

A few popular companies and the discounts they provide are outlined below.

  • Farm Bureau offers premium reductions for multi-vehicle, safe driver, youthful driver, multi-policy, renewal discount, and 55 and retired.
  • State Farm includes discounts for good driver, good student, accident-free, safe vehicle, student away at school, Drive Safe & Save, and multiple policy.
  • Progressive may include discounts for multi-policy, multi-vehicle, online signing, continuous coverage, good student, online quote discount, and homeowner.
  • Allstate has discounts for premier discount, utility vehicle, new car, passive restraint, and premier plus.
  • Nationwide offers discounts including good student, accident-free, multi-policy, anti-theft, business or organization, and easy pay.
  • MetLife policyholders can earn discounts including multi-policy, defensive driver, claim-free, good student, accident-free, good driver

Check with every prospective company the best way to save money. Some of the earlier mentioned discounts may not apply to policies in your area.

Smaller companies may have the best rates

Consumers can’t avoid all the ads for auto insurance savings from companies such as Progressive, Allstate and GEICO. They all seem to state the claim about how much you will save if you change your policy.

How is it possible that every company can charge you less for car insurance?

Companies are able to cherry pick for the driver that will add to their bottom line. An example of a profitable insured might be married and over the age of 30, has other policies, and drives newer vehicles. Any driver that fits those parameters will get the preferred premium rates and will probably pay quite a bit less when switching companies.

Potential insureds who are not a match for these criteria will be charged a higher rate and this results in the prospect going elsewhere. The trick companies use is to say “people who switch” not “all people who quote” save that kind of money. This is how companies can make it sound like they have such great rates.

This really emphasizes why it’s extremely important to get insurance coverage quotes from several different companies. It is impossible to predict with any certainty which company will fit you best based on your risk profile.

You may need specialized car insurance coverage

When it comes to buying adequate coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different so this has to be addressed. These are some specific questions may help you determine if your insurance needs would benefit from professional advice.

  • What is roadside assistance coverage?
  • When should I drop full coverage on my 2016 Chevy Express?
  • Should I drop comprehensive coverage on older vehicles?
  • I have a DUI can I still get coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Why am I required to get a high-risk car insurance policy?
  • Am I getting all the discounts available?
  • Do I need motorclub coverage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Information about specific coverages

Understanding the coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages available from insurance companies.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like hospital visits, EMT expenses, dental work and pain medications. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Chevy Express.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.

Collision – This coverage pays for damage to your Express caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a parking meter, hitting a mailbox and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage – This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like vandalism, fire damage and hitting a deer. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability – Liability insurance protects you from injuries or damage you cause to other people or property. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like repair costs for stationary objects, emergency aid and loss of income. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Saving money makes a lot of cents

Budget-friendly car insurance is definitely available from both online companies in addition to local insurance agencies, so get free insurance coverage quotes from both of them to have the best chance of lowering rates. Some companies do not offer internet price quotes and most of the time these small insurance companies provide coverage only through independent agents.

As you prepare to switch companies, never sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The goal is to buy the best coverage you can find for the lowest cost, but do not skimp to save money.

To learn more, link through to the articles below: