2003 Chevrolet Express Insurance Rates

Looking for the cheapest car insurance rates for your Chevrolet Express? Are you tired of scraping the payment together each month for car insurance? You are in the same boat as most other consumers. Companies like Allstate, Liberty Mutual and State Farm constantly blast consumers with advertising and consumers find it hard to avoid their marketing magic and take the time to shop coverage around.

You may qualify for discounts

Buying insurance is not cheap, but there are discounts available that many people don’t even know exist. A few discounts will automatically apply at quote time, but some discounts are required to be manually applied prior to receiving the credit.

  • Low Mileage – Fewer annual miles on your Chevy could earn better rates on cars that stay parked.
  • Early Signing – A few insurance companies offer discounts for buying a new policy before your current policy expires. Ten percent is about the average savings.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. Most companies allow this discount until age 25.
  • Distant College Student Discount – College-age children who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle could get you a discount.
  • Federal Employees – Having worked for a branch of the government may qualify for a discount when you quote auto insurance on Express insurance with some insurance companies.
  • Defensive Driving Course – Taking a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Discounts for New Vehicles – Insuring a new car can be considerably cheaper because newer models have to meet stringent safety requirements.
  • Passenger Safety Discount – Options like air bags can receive discounts of more than 20%.

A little note about advertised discounts, most credits do not apply the the whole policy. Some only reduce the cost of specific coverages such as comp or med pay. So when it seems like you could get a free insurance policy, nobody gets a free ride.

To view insurance companies with discount rates, click here to view.

Affordable car insurance

Most larger insurance companies provide coverage price quotes on the web. Comparing rates online is fairly simple as all you need to do is type in as detailed in the form. After you complete the form, their rating system makes automated requests for your driving record and credit report and returns pricing information based on these and other factors. Online quotes makes it easy to compare insurance prices but having to visit multiple sites and type in the same information can be a bit tiresome and repetitive. But it is imperative to do this in order to get the lowest possible prices on car insurance.

The quickest way to lower your rates uses just one form that gets prices from a bunch of companies at once. It saves time, requires less work, and makes price shopping online much more enjoyable. Immediately after you send the form, it gets priced and you can choose any of the quotes returned.

If you find a better price you simply finish the application and buy the new coverage. This process takes 15 minutes at the most and may save quite a bit of money.

To use this form to compare rates, simply click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you replicate deductibles and limits as shown on your current policy. This helps ensure you are getting rate comparison quotes based on identical coverages.

Get cheaper car insurance with these tips

A large part of saving on car insurance is knowing some of the factors that help calculate your policy premiums. If you understand what controls the rates you pay, this enables informed choices that can help you get cheaper rates. Lots of factors are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious like an MVR report, although others are not as apparent such as whether you are married and annual miles driven.

  • Keep claims to a minimum – Auto insurance companies provide the lowest premiums to insureds who only file infrequent claims. If you’re an insured who likes to file claims you can expect much higher rates or policy non-renewal. Insurance coverage is intended to be relied upon for claims that pose a financial burden.
  • Adjust physical damage deductibles and save – Insurance for physical damage to your car, also called comprehensive and collision insurance, covers your vehicle from damage. Examples of covered claims could be colliding with a building, damage caused by hail, and damage caused by flying debris. The deductibles represent how much money you are willing to pay if a claim is determined to be covered. The more damage repair cost you pay before a claim is paid (deductible), the less your company will charge you for insurance on Express insurance.
  • Being married reduces risk – Having a wife or husband may save some money on your car insurance bill. Having a spouse generally demonstrates drivers are more financially stable and insurance companies reward insureds because married drivers tend to file fewer claims.
  • Lower premiums for vehicles with better crash test results – Cars with high safety ratings get lower rates. The safest vehicles result in less severe injuries and any reduction in injury severity means your insurance company pays less and lower rates for you. If the Chevy Express has at least four stars on Safercar.gov you may be receiving a better rate.
  • See if your company offers a multi-policy discount – Most insurers apply a discount for people who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, it’s in your best interest to comparison shop to ensure the best deal. Drivers may still find better rates by insuring with multiple companies.

There’s no such thing as the perfect insurance coverage policy

When it comes to buying the best insurance coverage coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that For example, these questions can help discover if your situation might need an agent’s assistance.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I afford to buy a different vehicle if my 2003 Chevy Express is totaled?
  • Are rental cars covered under my policy?
  • Is my 2003 Chevy Express covered for flood damage?
  • What if I total my 2003 Chevy Express and owe more than it’s worth?
  • What is the rate difference between pleasure use and commuting?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Are insurance coverage companies telling the truth?

Drivers constantly see and hear ads that promise big savings from the likes of State Farm, Allstate and Geico. They all seem to tend to make the same promise that people will save if you switch to them.

How is it plausible that every one can charge lower premium rates? It’s all in how they say it.

All companies have specific criteria for the type of customer that will not have excessive claims. For instance, a profitable risk profile might be a mature driver, carries high limits, and drives less than 7,500 miles a year. A customer getting a price quote who fits those characteristics will get very good rates and as a result will probably save money with a new company.

Potential customers who don’t measure up to this stringent profile will be charged a more expensive rate which results in the customer buying from someone else. The wording the ads use say “drivers who switch” but not “all drivers who get quotes” save that much money. That’s the way companies can advertise the savings.

Because of these techniques, you need to compare as many free auto insurance quotes as you can. It is impossible to predict which insurance companies will give you the biggest savings.

Specifics of your insurance policy

Knowing the specifics of insurance helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. These are typical coverage types offered by insurance companies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for dental work, X-ray expenses, rehabilitation expenses, hospital visits and surgery. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

Liability car insurance

Liability coverage protects you from damages or injuries you inflict on people or other property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things like funeral expenses, pain and suffering, repair costs for stationary objects, loss of income and medical expenses. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Comprehensive or Other Than Collision

This coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, rock chips in glass, falling objects and hitting a bird. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with another moving vehicle, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

More effort can pay off

When buying insurance coverage, it’s very important that you do not reduce needed coverages to save money. There have been many situations where an accident victim reduced physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. The goal is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

We just showed you a lot of techniques to get a better price on 2003 Chevy Express insurance. The most important thing to understand is the more providers you compare, the better your chances of lowering your premium rates. You may be surprised to find that the best car insurance rates are with a company that doesn’t do a lot of advertising. Some small companies can often provide lower premium rates in certain areas than their larger competitors like State Farm, Geico and Nationwide.

Budget-conscious 2003 Chevy Express insurance is possible on the web as well as from insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers may not have online quoting and many times these smaller companies prefer to sell through local independent agents.

More detailed insurance coverage information can be found in the articles below: