Cheaper 2017 Chevrolet Express Car Insurance Rates

I really doubt anyone likes having to buy car insurance, especially when their premiums are too high.

Due to the fact that there are so many choices of insurance companies, it can be impossible to pick the best car insurance company.

You should make it a habit to compare prices at least once a year because car insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rate on Express coverage last year the chances are good that you can find a lower price today. Forget anything you know (or think you know) about car insurance because you’re going to learn the best way to reduce your cost while increasing coverage.

Free auto insurance rate quotes

There are a lot of ways to compare auto insurance quotes, but there is one way that is easier and takes less work. You could waste time discussing policy coverages with insurance companies in your area, or you could use online quotes to get rates in a matter of minutes.

Many of the larger companies enroll in a system where insurance shoppers send in one quote, and each company can give them a price. This saves time by eliminating quote requests to each company.

To enter your information into the quoting system, click here to start a free quote.

The only drawback to using this type of form is that consumers can’t choose which providers you want to price. So if you prefer to choose from a list of companies to compare, we have a listing of the cheapest auto insurance companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but be certain you are entering the same coverage limits for each price quote. If you compare different deductibles it’s impossible to determine which rate is truly the best. Slightly different coverages may result in large price differences. It’s important to know that more quotes increases your odds of finding more affordable insurance.

Can you really save $440 a year?

Allstate, GEICO and Progressive endlessly run ads on television and other media. They all state the claim of big savings after switching your insurance coverage policy to them. How does every company charge less that you’re paying now? You have to listen carefully.

Most companies offer their best rates for the type of customer that will most likely be profitable. A good example of this type of risk profile could be a mature driver, has a clean driving record, and drives less than 5,000 miles a year. A propective insured that matches those criteria will get low premium rates and have a good chance to save when they switch companies.

People who cannot meet the “perfect” profile will be charged a higher rate and this can result in the prospect going elsewhere. If you pay attention, the ads say “people that switch” not “everyone that quotes” will save that much if they switch. This is how companies can make it sound like they have such great car insurance rates.

This really drives home the point why you should get insurance coverage quotes from several different companies. You cannot predict which company will be your best fit.

Cheaper rates with discounts

Auto insurance companies don’t list the complete list of policy discounts in an easy-to-find place, so below is a list some of the more common in addition to some of the lesser obvious ways to save on insurance coverage.

  • Active Military Service – Being on active deployment in the military could qualify you for better rates.
  • Drive Less and Save – Driving less could be rewarded with better premium rates on cars that stay parked.
  • No Claim Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on insurance coverage quote when compared with frequent claim filers.
  • Student in College – College-age children who attend college more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Early Renewal Discounts – Select companies give a discount for switching companies prior to your current policy expiring. It’s a savings of about 10%.
  • Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts could see savings as much as 30%.

As a sidenote, some credits don’t apply to the entire cost. Some only apply to individual premiums such as collision or personal injury protection. Despite the fact that it seems like you could get a free insurance coverage policy, company stockholders wouldn’t be very happy.

Companies and some of the discounts can be read below.

  • State Farm has savings for accident-free, student away at school, Steer Clear safe driver discount, defensive driving training, passive restraint, driver’s education, and multiple policy.
  • Farmers Insurance may include discounts for youthful driver, mature driver, bundle discounts, early shopping, switch companies, and teen driver.
  • Progressive includes discounts for online signing, continuous coverage, good student, homeowner, multi-vehicle, and online quote discount.
  • GEICO has discounts for anti-theft, military active duty, membership and employees, daytime running lights, multi-policy, and air bags.
  • Auto-Owners Insurance offers discounts for safe vehicle, paid in full, safe driver, anti-theft, and multi-policy.
  • The Hartford discounts include good student, vehicle fuel type, driver training, air bag, bundle, defensive driver, and anti-theft.
  • Farm Bureau may offer discounts for good student, renewal discount, safe driver, driver training, and multi-vehicle.
  • USAA may have discounts that include family discount, loyalty savings, driver training, multi-vehicle, and multi-policy.

Double check with each company or agent which credits you are entitled to. All car insurance discounts may not apply to policyholders in your state. To see a list of providers who offer cheap insurance coverage quotes, follow this link.

What is the best insurance coverage?

When buying the right insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help highlight if your situation could use an agent’s help.

  • Should I rate my 2017 Chevy Express as pleasure use or commute?
  • What can I do if my company won’t pay a claim?
  • What is the difference between comprehensive and collision coverage?
  • Should I put collision coverage on all my vehicles?
  • How much liability insurance is required?
  • If I drive on a suspended license am I covered?
  • Am I covered when pulling a rental trailer?
  • What should my uninsured motorist coverage limits be in my state?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Car insurance 101

Learning about specific coverages of insurance can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. These are the normal coverages offered by insurance companies.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses for things like pain medications, prosthetic devices, EMT expenses and funeral costs. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Liability

Liability insurance will cover damage or injury you incur to other’s property or people by causing an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

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 policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as funeral expenses, structural damage, emergency aid, court costs and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, a broken windshield, hitting a bird and hitting a deer. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured and underinsured coverage

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Collision coverage protection

Collision insurance covers damage to your Express from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as rolling your car, driving through your garage door, hitting a parking meter, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Smart shoppers get results

There are still a few companies who do not offer rates over the internet small insurance companies only sell through independent agents. Budget-conscious 2017 Chevy Express insurance is attainable from both online companies and with local insurance agents, and you should be comparing both so you have a total pricing picture.

When getting insurance coverage quotes online, do not buy poor coverage just to save money. There have been many situations where someone dropped collision coverage only to regret at claim time they didn’t purchase enough coverage. Your focus should be to purchase a proper amount of coverage at the best price, but do not skimp to save money.

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