Cheap 1998 Chevrolet Express Car Insurance Rates

Wish you could get out of an underperforming, overpriced car insurance policy? Say no more because you’re not alone.

Due to the increasing number of companies to choose from, it is hard for the average consumer to locate a lower cost insurer.

It’s a good idea to compare rates on a regular basis due to the fact that insurance prices go up and down regularly. Despite the fact that you may have had the best rates for Express insurance on your last policy other companies may now be cheaper. There is a lot of bad information regarding car insurance out there, but we’re going to give you some excellent ideas to save money.

Affordable car insurance quotes with discounts

Some providers do not advertise every possible discount in a way that’s easy to find, so we took the time to find a few of the more common and the more hidden credits that may apply to you.

  • Homeowners Savings – Being a homeowner can get you a discount because it is proof that your finances are in order.
  • Driver Safety – Taking a course in driver safety is a good idea and can lower rates if you qualify.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to wear their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • Organization Discounts – Joining a civic or occupational organization could qualify you for a break on your bill.
  • Accident Forgiveness – but companies like Allstate, State Farm and Geico will forgive one accident before they charge you more for coverage if you have no claims before the accident.
  • Early Renewal Discounts – A few car insurance companies offer discounts for renewing your policy before your current policy expires. Ten percent is about the average savings.
  • Distant Student – Any of your kids who live away from home at college and do not have access to a covered vehicle could qualify for this discount.
  • Data Collection Discounts – Drivers who elect to allow their car insurance company to study their driving habits by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they exhibit good driving behavior.

As a footnote on discounts, most of the big mark downs will not be given to the entire cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that you could get a free car insurance policy, it’s just not the way it works.

The best car insurance companies and some of the premium reductions they offer are detailed below.

  • Geico policyholders can earn discounts including anti-lock brakes, multi-policy, defensive driver, daytime running lights, emergency military deployment, good student, and five-year accident-free.
  • SAFECO has discounts for safe driver, drive less, anti-theft, accident prevention training, multi-car, and homeowner.
  • State Farm may offer discounts for defensive driving training, multiple autos, passive restraint, accident-free, safe vehicle, student away at school, and multiple policy.
  • MetLife may include discounts for good student, accident-free, defensive driver, claim-free, good driver, and multi-policy.
  • 21st Century offers premium reductions for student driver, 55 and older, good student, defensive driver, theft prevention, and driver training.
  • Progressive offers discounts for multi-vehicle, online quote discount, online signing, good student, and homeowner.

If you want cheap insurance coverage quotes, ask all companies you are considering how you can save money. Some of the discounts discussed earlier might not be offered on policies everywhere. If you would like to see a list of car insurance companies who offer free car insurance quotes, click here to view.

How to buy insurance coverage online

Effectively comparing insurance coverage prices can be exhausting if you don’t utilize the most efficient way. You could spend the better part of a day talking to insurance agencies in your area, or you can utilize online quotes to get pricing more quickly.

Most of the best insurance companies enroll in a system that allows shoppers to only type in their quote data once, and each participating company then gives them pricing based on that information. This saves time by eliminating quote requests to every company.

To submit your quote information now, click to open in new window.

The only downside to using this type of system is that consumers can’t choose the providers to get pricing from. So if you want to choose from a list of companies for rate comparison, we have assembled a list of companies who write insurance coverage in your area. View list of insurance companies.

It’s up to you which method you use, but do your best to use identical coverage limits and deductibles on every quote. If the quotes have different values for each quote it’s not possible to determine which rate is truly the best. Slightly different insurance coverages may cause a big price difference. And when comparing insurance coverage rates, know that comparing a wide range of rates helps increase your odds of locating the best rates.

Why your insurance rates might be higher

Smart consumers have a good feel for some of the elements that help calculate the rates you pay for insurance coverage. If you know what determines premiums, this empowers consumers to make smart changes that could result in cheaper rates.

The itemized list below are some of the most common factors used by insurance companies to determine prices.

  • Stay claim-free and save money – Car insurance companies award the lowest premiums to insureds that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Your insurance policy is designed for major claims that would cause financial hardship.
  • Age of drivers – Youthful drivers are proven to be more careless in a vehicle therefore insurance coverage rates are much higher. More experienced drivers are more responsible, tend to cause fewer accidents and get fewer tickets.
  • Safety ratings are a factor – Safer cars cost less to insure. Vehicles engineered for safety help reduce the chance of injuries in an accident and any reduction in injury severity translates into fewer and smaller insurance claims which can mean better rates for you. If your Chevy has ratings of a minimum four stars on Safercar.gov you may be receiving a better rate.
  • Where you call home is a factor – Having an address in small towns and rural areas has definite advantages when insuring your vehicles. Residents of big cities have to deal with more traffic problems and much longer commute distances. Fewer drivers and short commutes corresponds to lower accident rates as well as less vandalism and auto theft.
  • Marriage discount – Having a significant other can get you a discount when buying insurance coverage. It means you’re more mature and responsible and statistics show married couples file fewer claims.
  • Limits of liability coverage – Your policy’s liability coverage will protect you when a court rules you are at fault for physical damage or personal injury to other. Liability provides legal defense up to the limits shown on your policy. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so drivers should carry high limits.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage, there really is not a best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether or not you might need an agent’s assistance.

  • Am I covered when driving on a suspended license?
  • How high should deductibles be on a 1998 Chevy Express?
  • Is upholstery damage covered by car insurance?
  • What is the rate difference between pleasure use and commuting?
  • When would I need rental car insurance?
  • Is my trailer covered?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered when driving someone else’s vehicle?
  • Do I need special endorsements for business use of my vehicle?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Don’t listen to company ads

Big name companies like Progressive, Geico, Allstate and State Farm consistently run ads on TV and radio. All the companies seem to make the promise about saving some big amount if you just switch your policy. How is it plausible that every one can offer drivers better rates? This is how they do it.

All the different companies have specific guidelines for the type of insured that will most likely be profitable. A good example of this type of insured might be described as between the ages of 30 and 45, has no claims, and has great credit. A propective insured who matches those parameters receive the lowest rate quotes and will also save money with a new company.

Insureds who are not a match for the requirements must pay higher premium rates and business not being written. Company advertisements say “customers that switch” but not “everyone who gets a quote” save the amount stated. That’s why insurance companies can confidently make claims like that.

Because of this risk profiling, you really should compare quotes as often as possible. It is impossible to predict which auto insurance company will provide you with the cheapest prices.

The coverage is in the details

Having a good grasp of a auto insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types offered by auto insurance companies.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, a tree branch falling on your vehicle, hitting a deer and falling objects. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical costs insurance – Coverage for medical payments and/or PIP pay for immediate expenses like hospital visits, ambulance fees, dental work and nursing services. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverages – This coverage can cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims like attorney fees, bail bonds, court costs and funeral expenses. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Collision – Collision coverage will pay to fix 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 claims such as damaging your car on a curb, sideswiping another vehicle, hitting a mailbox, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

UM/UIM Coverage – This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Chevy Express.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.

Don’t break the bank

Cheap 1998 Chevy Express insurance can be purchased from both online companies as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies do not provide the ability to get quotes online and these smaller companies provide coverage only through local independent agents.

As you quote insurance coverage, it’s not a good idea to reduce needed coverages to save money. In many instances, an insured cut collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal is to purchase plenty of coverage for the lowest cost while not skimping on critical coverages.

More tips and info about auto insurance can be found at these sites: