1997 Chevrolet Express Insurance Quotes

Are you intimidated by the wide range of auto insurance companies? You have so many companies to choose from that it can turn into a difficult situation to locate the lowest auto insurance rates.

If you are paying for car insurance now, you should be able to save some money using this strategy. This information will tell you how to effectively get price quotes. But consumers must understand the way insurance companies compete online and use this information to your advantage.

You may qualify for discounts

Insurance can cost an arm and a leg, but there’s a good chance there are discounts that can dramatically reduce your bill. Some trigger automatically when you quote, but less common discounts must be specially asked for before being credited.

  • Buy New and Save – Insuring a new car can cost up to 25% less compared to insuring an older model.
  • One Accident Forgiven – Not a discount per se, but companies like State Farm and Progressive allow you one accident before raising your premiums with the catch being you have to be claim-free prior to the accident.
  • Low Mileage Discounts – Driving less can earn slightly better auto insurancerates than normal.
  • Defensive Driver Discounts – Successfully completing a defensive driver class may get you a small discount depending on where you live.
  • More Vehicles More Savings – Drivers who insure all your vehicles on a single policy qualifies for this discount.
  • Senior Citizen Rates – Older drivers could receive a discount up to 10% on Express insurance.

Just know that most of the big mark downs will not be given to the entire policy premium. Most only cut individual premiums such as comprehensive or collision. So even though it sounds like you can get free auto insurance, you’re out of luck.

To locate insurance companies that offer multiple discounts, click this link.

How to buy car insurance online

To find the best car insurance prices, there are several ways to compare rate quotes from many available car insurance companies in your state. The quickest method to compare rates is simply to get online rate quotes. This is very easy and can be done using a couple different methods.

  1. Hands down the most simple method to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This method saves time by eliminating a different quote for every car insurance company. In just a few minutes this one form will return price quotes direct from many companies. Just one form and you’re done.
  2. A harder way to compare rate quotes is to manually visit the website for every company you want to comare and fill out their own quote form. For examples sake, we’ll assume you need rates from State Farm, Safeco and Travelers. You would be required to visit each site and enter your policy data, which can get rather old. To view a list of companies in your area, click here.

How you compare quotes is your choice, just be sure you’re using nearly identical coverage limits and deductibles for each price quote. If you enter mixed coverages it will be nearly impossible to make a fair comparison for your Chevy Express. Having just a slight variation in coverages can result in a big premium difference. And when quoting car insurance, remember that quoting more gives you a better chance of getting lower pricing.

There’s no such thing as the perfect insurance policy

When it comes to choosing proper insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions might point out whether or not you would benefit from an agent’s advice.

  • Am I better off with higher deductibles on my 1997 Chevy Express?
  • Do I pay less if my vehicle is kept in my garage?
  • If I drive on a suspended license am I covered?
  • Why do I only qualify for high-risk insurance?
  • What is UM/UIM insurance?
  • Does insurance cover tools stolen from my truck?
  • Should I get collision insurance on every vehicle?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance coverages for a 1997 Chevy Express

Learning about specific coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Auto collision coverage

This covers damage to your Express resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as damaging your car on a curb, rolling your car and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Chevy Express.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as funeral costs, dental work and surgery. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Auto liability insurance

Liability insurance provides protection from damage that occurs to other’s property or people in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things like repair costs for stationary objects, funeral expenses, court costs, pain and suffering and legal defense fees. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, fire damage and theft. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Spend less. Save more.

More affordable auto insurance can be sourced on the web in addition to local insurance agencies, so you need to shop car insurance with both to have the best selection. A few companies may not offer online rate quotes and most of the time these small insurance companies only sell through independent agencies.

When shopping online for auto insurance, it’s a bad idea to buy less coverage just to save a little money. In too many instances, someone dropped collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at the lowest possible cost, but do not skimp to save money.

In this article, we presented quite a bit of information on how to save on 1997 Chevy Express insurance. It’s most important to understand that the more times you quote, the better chance you’ll have of finding cheap car insurance. Drivers may discover the lowest rates are with some of the lesser-known companies.

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