Compare 2004 Chevrolet Express Insurance Quotes

There isn’t a single person who is fond of buying insurance, especially when they are aware that the cost is too high. Companies like Progressive, Geico and Farmers Insurance constantly blast consumers with catchy ads and consumers find it hard to see past the geckos and flying pigs and do the work needed to find the best deal.

It’s a good idea to shop coverage around once or twice a year because prices change regularly. Just because you had the lowest quotes for Express insurance on your last policy other companies may now be cheaper. Block out anything you think you know about insurance because I’m going to let you in on the secrets to how to use the internet to find the best coverage while lowering your premiums.

If you have insurance now or need new coverage, you can use these tips to shop for the lowest rates and possibly find even better coverage. Buying car insurance is easy if you know what you’re doing. Consumers only need an understanding of the proper methods to find the lowest price online.

Eight factors that influence insurance premiums

Many things are used when quoting car insurance. A few of the factors are predictable such as your driving history, although some other factors are not as apparent like where you live or how financially stable you are.

The following are a few of the things insurance coverage companies consider when setting your rate level.

  • How your age affects premiums – Older people are more responsible, tend to cause fewer accidents , and are generally more financially stable.Young drivers are proven to be easily distracted when behind the wheel and because of this, their insurance coverage rates are much higher.
  • Driving citations cost more than a fine – Only having one moving violation may increase your cost by as much as thirty percent. Good drivers pay lower auto insurance prices than bad drivers. Drivers with multiple violations like DUI, reckless driving or excessive speeding may be required to complete a SR-22 with their state motor vehicle department in order to keep their license.
  • Get better rates if you’re married – Having a wife or husband may save some money on your policy. Having a spouse demonstrates that you tend to be more financially stable and statistics show drivers who are married file infrequent claims.
  • Avoid coverage lapses – Allowing your coverage to lapse can be a sure-fire way to trigger a rate increase. Not only will rates go up, the inability to provide proof of insurance may result in fines or a revoked license. You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • What are your deductibles? – Insurance for physical damage to your car, aka comp and collision, covers damage that occurs to your Chevy. A few examples of covered claims are running into the backend of another car, damage from fire, and having your car stolen. Comp and collision deductibles represent how much money you are willing to pay in the event of a claim. The more money you pay before a claim is paid (deductible), the less your insurance coverage will be for Express insurance.
  • More policies can equal more savings – Most major companies apply a discount to policyholders who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, drivers will still want to compare rates to confirm you are receiving the best rates possible.
  • Drive a safer car and pay less – Cars with high safety ratings are cheaper to insure. Vehicles built for safety have better occupant injury protection and fewer injuries means your insurance company pays less and cheaper rates on your policy.
  • Gals tend to take less risk – Over time, data shows women tend to be less risk to insure than men. However, don’t assume that men are WORSE drivers than women. Females and males tend to get into accidents at about the same rate, but guys get into accidents with more damage. Men also statistically get ticketed for serious violations like reckless driving and DUI.

The best way we recommend to compare car insurance company rates is to realize auto insurance companies provide online access to provide you with free rate quotes. The one thing you need to do is provide the companies a bit of rating information including the type of vehicles you drive, if you have a valid license, level of coverage desired, and whether you drive to work or school. The rating information is instantly sent to multiple auto insurance providers and you will receive price estimates within a short period of time.

To find the cheapest 2004 Chevy Express insurance rates, click here and enter your coverage details.

Do drivers who switch really save?

Consumers can’t escape the ads that claim the best prices from the likes of Allstate, Geico and Progressive. All the companies say the same thing about savings if you move your coverage.

How can each company charge you a lower premium? This is the way they can do it.

All the different companies quote the lowest rates for the type of insured that will be a good risk. A good example of a desirable insured might be between the ages of 30 and 50, has no prior claims, and chooses high deductibles. Anyone who matches that profile will get a cheap rate quote and will most likely cut their rates substantially.

Consumers who cannot meet this ideal profile must pay more expensive rates and the customer not buying. If you listen to the ad wording, they say “drivers that switch” not “everyone who quotes” save that much money. That is how insurance companies can confidently state the savings.

Because every company is different, you really should do a rate comparison at every renewal. It is just not possible to predict the company that will provide the lowest prices.

Don’t overlook these car insurance discounts

Not too many consumers would say car insurance is affordable, but there’s a good chance there are discounts that can help lower your rates. Some discounts apply automatically when you purchase, but a few must be specially asked for prior to getting the savings.

  • Homeowners Discount – Simply owning a home can earn you a little savings due to the fact that maintaining a home requires a higher level of personal finance.
  • Renewal Discounts – Some car insurance companies give discounts for switching companies early. Ten percent is about the average savings.
  • New Vehicle Savings – Buying a new car model can get you a discount compared to insuring an older model.
  • Theft Deterent Discount – Vehicles optioned with advanced anti-theft systems are stolen less frequently and earn discounts up to 10% off your insurance quote.
  • Discounts for Responsible Drivers – Drivers who avoid accidents may save up to 50% more for Express insurance than less cautious drivers.
  • Multi-line Discount – If the company offers life insurance, you could get lower rates if you buy life insurance.

Keep in mind that some credits don’t apply to the overall cost of the policy. Most only apply to specific coverage prices like medical payments or collision. Even though it may seem like you could get a free car insurance policy, company stockholders wouldn’t be very happy.

Some of the larger companies that may offer most of these discounts are:

If you need cheaper insurance quotes, ask each company how you can save money. Some credits may not be available in your area. To see a list of insurance companies that offer discounts, click this link.

When to get professional advice

When buying the best insurance coverage coverage for your vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions may help highlight if your insurance needs might need professional guidance.

  • Is a blown tire covered by insurance?
  • Do I need motorclub coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How many claims can I have before being cancelled?
  • Is my teenager covered with friends in the car?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I have coverage if my license is suspended?
  • Why do I need rental car insurance?
  • How high should my medical payments coverage be?
  • Can I rate high risk drivers on liability-only vehicles?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance 101

Knowing the specifics of your auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverage types found on the average auto insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like chiropractic care, X-ray expenses, doctor visits and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance – Liability coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things like funeral expenses, loss of income, repair bills for other people’s vehicles, medical services and medical expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive auto coverage – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like fire damage, theft, hail damage, rock chips in glass and falling objects. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision – This coverage will pay to fix damage to your Express resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as rolling your car, hitting a mailbox, sustaining damage from a pot hole and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Be a Smart Shopper

We just showed you a lot of techniques to save on 2004 Chevy Express insurance. It’s most important to understand that the more rate quotes you have, the better likelihood of getting cheap insurance. You may even discover the most savings is with a company that doesn’t do a lot of advertising. Regional companies may have significantly lower prices on certain market segments compared to the large companies like State Farm, Geico and Nationwide.

Affordable 2004 Chevy Express insurance is definitely available online and from local insurance agents, so you need to shop insurance with both to have the best selection. A few companies do not provide online quoting and usually these smaller companies work with independent agents.

More detailed insurance information is available by following these links: