Save on 1999 Chevrolet Express Car Insurance Rates

Searching for better auto insurance rates for your Chevrolet Express? Paying for overpriced Chevrolet Express insurance can drain your checking account and possibly require you to analyze your spending habits. Comparison shopping is a fast and free way to lower your bills every month.

Numerous insurers battle for your business, and because of this it can be hard to compare car insurance companies and get the best coverage at the best rate

It’s smart to take a look at other company’s rates before your policy renews since prices change frequently. If you had the lowest rates for Express coverage last year you can probably find a lower rate today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to one of the easiest ways to reduce your cost while improving coverage.

Quote auto insurance online

The are a couple different ways to obtain and compare prices from all the different companies. The recommended way to do a complete rate comparison is to jump online and get quotes. It is quite easy and can be accomplished in a couple of different ways.

  • If you are pressed for time, the simplest way to get quotes would be an industry-wide quote request form like this one (opens in new window). This method eliminates the need for boring form submissions for every company. Taking the time to complete one form will return price quotes from multiple companies.
  • Another way to find lower rates is spending the time to visit each individual company website and get a separate price quote. For sake of this example, let’s assume you want to compare prices for State Farm, Esurance and Liberty Mutual. To find out each rate you need to navigate to each company’s site to enter your coverage information, which is why most consumers use the first method. For a list of companies in your area, click here.

Compare rates however you want, just make sure you are using exactly the same coverages and limits on every quote. If each company quotes different data you will not be able to get a fair rate comparison. Even a minor difference in limits may cause a big price difference. Just keep in mind that comparing more rates from different companies helps you find the best rates. Not every company does price estimates online, so it’s recommended that you also compare rates from the smaller companies as well.

Lower rates by qualifying for discounts

Some insurers don’t necessarily list every discount in an easy-to-find place, so the next list breaks down a few of the more well known in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance coverage online.

  • Memberships – Belonging to a civic or occupational organization is a good way to get lower rates when getting a insurance coverage quote.
  • Anti-lock Brake System – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents and qualify for as much as a 10% discount.
  • Driving Data Discount – Policyholders that allow their insurance company to analyze vehicle usage by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates as long as they are good drivers.
  • Own a Home and Save – Owning your own home or condo may trigger a policy discount on auto insurance because owning a home demonstrates responsibility.
  • Discount for Swiching Early – Select companies give a discount for signing up prior to the expiration date on your current policy. The savings is around 10%.
  • College Student Discount – Any of your kids who live away from home at college and do not have a car could qualify for this discount.
  • Defensive Driving Course – Passing a course teaching defensive driving skills could cut 5% off your bill and easily pay for the cost of the class.
  • Policy Bundle Discount – If you combine your auto and homeowners policies and insure them with the same company you will save 10% to 20% off each policy.
  • Multi-Vehicle Discounts – Buying a policy with more than one vehicle on a single policy may reduce the rate for each vehicle.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Some only reduce specific coverage prices like medical payments or collision. If you do the math and it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

A few of the larger companies and their offered discounts are shown below.

  • Farmers Insurance may offer discounts for pay in full, switch companies, early shopping, mature driver, youthful driver, and teen driver.
  • State Farm discounts include anti-theft, good student, multiple autos, driver’s education, good driver, multiple policy, and Drive Safe & Save.
  • Liberty Mutual has savings for exclusive group savings, new graduate, teen driver discount, hybrid vehicle, new vehicle discount, and newly married.
  • MetLife policyholders can earn discounts including good student, defensive driver, multi-policy, accident-free, and good driver.
  • Progressive offers discounts for homeowner, multi-vehicle, continuous coverage, online signing, good student, and online quote discount.

If you are trying to find cheap insurance coverage quotes, ask every insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policyholders everywhere. If you would like to see a list of auto insurance companies who offer discounts, follow this link.

Insurance coverage is unique, just like you

When it comes to buying the best insurance coverage coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different and your policy should reflect that. These are some specific questions may help you determine if you would benefit from professional advice.

  • If I drive on a suspended license am I covered?
  • When does my teenage driver need to be added to my policy?
  • What exactly is covered by my policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I make deliveries for my home business?
  • Are my friends covered when driving my 1999 Chevy Express?
  • Where can I find DUI or SR-22 insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need higher collision deductibles?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Car insurance coverage information

Learning about specific coverages of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most insurance policies.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your Chevy Express.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

Collision – This will pay to fix damage to your Express caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as backing into a parked car, sideswiping another vehicle, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for bills like nursing services, prosthetic devices and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverage – Liability coverage will cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like attorney fees, loss of income, legal defense fees and medical expenses. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Comprehensive coverage – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like theft, damage from flooding, damage from getting keyed, rock chips in glass and hitting a bird. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

The best insurance company isn’t always the cheapest

As you quote insurance coverage, don’t be tempted to skimp on coverage in order to save money. There have been many situations where an insured cut physical damage coverage only to regret that a couple dollars of savings turned into a financial nightmare. The goal is to find the BEST coverage at the best cost, but do not sacrifice coverage to save money.

We just showed you a lot of ways to lower your 1999 Chevy Express insurance prices. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the best prices are with a small mutual company. Regional companies may only write in your state and offer lower rates than their larger competitors like Geico and State Farm.

Some insurance coverage companies may not have the ability to get a quote online and usually these regional carriers prefer to sell through independent insurance agencies. Cheaper 1999 Chevy Express insurance is possible from both online companies and from local agencies, so you should be comparing quotes from both so you have a total pricing picture.

Additional insurance coverage information is available at the links below