2005 Chevrolet Express Insurance Cost – 6 Tips for Best Prices

Trying to find the cheapest car insurance rates for your Chevrolet Express? Have you had enough of scraping nickels together to pay your car insurance bill each month? You are in the same boat as most other people. Companies like Progressive, State Farm and Geico all claim big savings, bombarding you with TV and radio ads and it is difficult to ignore the promise of big savings and find the best price available.

Are you earning every discount?

Auto insurance companies do not list every policy discount in an easy-to-find place, so we took the time to find some of the more common and the harder-to-find insurance savings.

  • Claim-Free Discount – Drivers who stay claim-free have much lower rates as opposed to drivers with a long claim history.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle up before driving could save 15% off the medical payments premium.
  • Payment Method – If you pay your bill all at once rather than spreading payments over time you could save 5% or more.
  • Sign Early and Save – Some companies provide a discount for switching policies before your current policy expires. You can save around 10% with this discount.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Save with a New Car – Putting insurance on a new car can get you a discount due to better safety requirements for new model year vehicles.

Just know that some credits don’t apply the the whole policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like all the discounts add up to a free policy, company stockholders wouldn’t be very happy. But all discounts should help reduce your policy premiums.

Larger insurance companies and their possible discounts are shown below.

  • American Family policyholders can earn discounts including good student, TimeAway discount, defensive driver, bundled insurance, early bird, good driver, and multi-vehicle.
  • State Farm has savings for safe vehicle, multiple autos, student away at school, anti-theft, driver’s education, and passive restraint.
  • 21st Century offers discounts including homeowners, student driver, driver training, air bags, anti-lock brakes, and theft prevention.
  • Travelers may have discounts that include continuous insurance, multi-policy, hybrid/electric vehicle, early quote, and new car.
  • Geico offers premium reductions for multi-policy, military active duty, defensive driver, driver training, and anti-theft.

It’s a good idea to ask all the companies how you can save money. A few discounts may not apply to policies in your state. To view insurers with discount insurance rates, follow this link.

How to find low cost auto insurance

Most larger insurance companies allow consumers to get price estimates on their websites. Doing online price comparisons is fairly straightforward as all you need to do is type in the coverage amounts you desire as requested by the quote form. Once entered, the quote system collects reports for credit and driving violations and provides a quote based on these and other factors. Being able to quote online helps simplify price comparisons, but the work required to visit a lot of sites and type in the same information can be a bit repetitive. But it’s necessary to perform this step if you want to find better prices.

A less time-consuming method to find better auto insurance pricing uses just one form that gets prices from multiple companies. This type of form saves time, helps eliminate reptitive entry, and makes online price comparison much easier to do. After sending the form, it gets priced and you can select any of the quotes returned. If the quotes result in lower rates, you can click and sign and purchase the new policy. The whole process just takes a couple of minutes and could lower your rates considerably.

To use this form to compare rates, simply click here to open in new window and enter your information. If you have your current policy handy, we recommend you input coverages and limits identical to your current policy. This ensures you’re receiving a rate comparison based on the exact same insurance coverage.

When in doubt talk to an agent

When choosing the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions can aid in determining if your situation might need professional guidance.

  • Will I lose any money if I cancel my policy before it expires?
  • What if I total my 2005 Chevy Express and owe more than it’s worth?
  • How can I find cheaper teen driver insurance?
  • Is motorclub coverage worth it?
  • Should I get collision insurance on every vehicle?
  • Should I bundle my homeowners policy with my auto?
  • Is upholstery damage covered by car insurance?
  • Can I still get insurance after a DUI?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Auto insurance 101

Learning about specific coverages of a insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages offered by insurance companies.

Collision coverage protection

Collision insurance will pay to fix damage to your Express resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as backing into a parked car, sideswiping another vehicle, crashing into a ditch, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Medical expense coverage

Med pay and PIP coverage provide coverage for short-term medical expenses like pain medications, ambulance fees, EMT expenses, rehabilitation expenses and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive protection

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, hail damage and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Coverage for liability

This protects you from injuries or damage you cause to people or other property. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like emergency aid, loss of income, medical expenses and pain and suffering. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

More quotes. Lower rates.

As you shop your coverage around, don’t be tempted to reduce coverage to reduce premium. There are many occasions where an insured cut liability coverage limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to find the BEST coverage at the best possible price while not skimping on critical coverages.

You just learned many tips how you can save on 2005 Chevy Express insurance. The most important thing to understand is the more times you quote, the higher your chance of finding low cost insurance coverage. Drivers may discover the lowest rates come from a company that doesn’t do a lot of advertising. They can often provide lower car insurance rates in certain areas compared to the large companies like State Farm and Allstate.

Discount 2005 Chevy Express insurance can be found on the web as well as from independent agents, so you need to quote insurance coverage with both to have the best selection. Some insurance companies do not provide the ability to get quotes online and usually these regional insurance providers provide coverage only through independent insurance agents.

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