2001 Chevrolet Express Car Insurance Rates – 5 Tips for Cheapest Quotes

Scraping up a payment for expensive Chevrolet Express insurance can sap your funds and force you to cut corners elsewhere.

Vehicle owners have so many auto insurance companies to purchase coverage from, and even though it’s nice to be able to choose, so many choices can make it hard to find the lowest cost provider.

Pricing cheaper coverage is quite easy. In a nutshell, everyone who is shopping for auto insurance should be able to lower their premiums. But drivers must know the way insurance companies compete online because it can help you find the best coverage.

How to compare insurance coverage rate quotes

To find cheaper car insurance quotes, there are several ways to obtain and compare prices from companies that offer insurance coverage in your state. One of the best ways to lower the rate you pay for Chevy Express insurance involves getting comparison quotes online. It is quite easy and can be accomplished by using one of the methods below.

  1. One of the best ways to find low rates is a comparison rater form click to view form in new window. This easy form prevents you from having to do repetitive form submissions for every company. One form submission will get you rate comparisons instantly.
  2. A different way to compare prices requires a trip to each individual company website to request a price quote. For example, let’s say you want to compare prices for Geico, Allstate and State Farm. To do that, you would have to navigate to each company’s site and enter your policy data, which is not fast way to get rate quotes. To view a list of companies in your area, click here.
  3. The hardest method to get price estimates is making phone calls or going to all the different insurance agencies. Quoting online makes this process obsolete unless you’re the type of person who wants the trained advice of a licensed agent. It is possible with some companies comparison shop your insurance online and get advice from an agent in your area.

It’s up to you how you get prices quotes, just be sure to compare equivalent coverage limits and deductibles for each quote you get. If you are comparing different coverage information you will not be able to determine the best price for your Chevy Express. Just a small difference in insurance coverages may result in large price differences. And when price shopping your coverage, having more price comparisons helps increase your odds of locating more affordable rates.

Car insurance rates and discounts

Companies that sell car insurance don’t necessarily list every possible discount very well, so the list below details both the well known and the more hidden discounts that may be available.

  • Data Collection Discounts – Drivers who elect to allow their insurance company to study where and when they drive by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they have good driving habits.
  • Discount for Good Grades – Excelling in school may save as much as 25% on a car insurance quote. The good student discount can last up until you turn 25.
  • Early Renewal Discounts – Some insurance companies give discounts for switching to them before your current policy expires. It can save you around 10%.
  • Homeowners Savings – Just owning your own home can save a few bucks due to the fact that maintaining a home requires personal responsibility.
  • Multi-car Discount – Buying insurance for multiple cars or trucks with the same company qualifies for this discount.

A little note about advertised discounts, most credits do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like adding up those discounts means a free policy, nobody gets a free ride.

A few of the larger companies and the discounts they provide include:

  • The Hartford policyholders can earn discounts including vehicle fuel type, bundle, anti-theft, defensive driver, and driver training.
  • American Family may have discounts that include accident-free, defensive driver, multi-vehicle, bundled insurance, Steer into Savings, air bags, and good driver.
  • Progressive may offer discounts for online quote discount, homeowner, online signing, multi-policy, continuous coverage, multi-vehicle, and good student.
  • Travelers offers discounts including student away at school, payment discounts, multi-car, multi-policy, and home ownership.
  • Farmers Insurance includes discounts for early shopping, mature driver, switch companies, youthful driver, business and professional, and distant student.
  • USAA offers premium reductions for annual mileage, driver training, multi-vehicle, new vehicle, loyalty savings, and military installation.
  • Liberty Mutual has savings for new graduate, good student, safety features, teen driver discount, and new move discount.

If you want the cheapest car insurance quotes, ask every company which credits you are entitled to. Some discounts might not be offered on policies in every state. To see a list of companies with discount rates, follow this link.

Situations that may require an agent’s advice

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions could help you determine whether your personal situation may require specific advice.

  • Are there companies who specialize in insuring high-risk drivers?
  • How can I get high-risk coverage after a DUI?
  • Does liability extend to a camper or trailer?
  • Do I need higher collision deductibles?
  • Am I getting all the discounts available?
  • What is the difference between comprehensive and collision coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area.

Car insurance myths debunked

Companies like 21st Century, Allstate and State Farm continually stream ads in print and on television. They all convey the message that drivers can save some big amount if you change to their company. How is it possible that every company can cost less than your current company? Here is how they do it.

Different companies give the best rates for the type of driver that earns them the most money. For example, a driver they prefer may need to be between 30 and 50, has never had a policy lapse, and chooses high deductibles. Someone that hits that “sweet spot” will qualify for the lowest auto insurance rates and therefore will pay quite a bit less when switching companies.

Potential insureds who may not quite match those standards will probably have to pay higher rates which translates to the customer not buying. The trick companies use is to say “customers that switch” but not “all drivers who get quotes” will save that much if they switch. That’s why insurance companies can claim big savings.

Because of the profiling, it is so important to do a rate comparison at every renewal. Because you cannot predict which company will have the best prices for your profile.

Insurance coverage breakdown

Knowing the specifics of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average insurance policy.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually these coverages are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, hail damage, a tree branch falling on your vehicle and theft. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance covers damage to your Express resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like backing into a parked car, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical costs insurance

Med pay and PIP coverage pay for immediate expenses for chiropractic care, surgery, funeral costs, rehabilitation expenses and dental work. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability coverage

This can cover damages or injuries you inflict on other’s property or people. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as bail bonds, repair bills for other people’s vehicles, court costs, attorney fees and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

And the best car insurance company is…

Some companies may not offer online price quotes and usually these small, regional companies work with independent insurance agents. Lower-priced car insurance is definitely available on the web and from local agencies, and you need to comparison shop both to have the best rate selection.

As you quote car insurance, make sure you don’t reduce coverage to reduce premium. There have been many cases where someone dropped liability limits or collision coverage only to find out that the small savings ended up costing them much more. The aim is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

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