2006 Chevrolet Express Insurance Cost – 8 Tricks for Best Prices

Trying to find better auto insurance rates for your Chevrolet Express? Searching for better insurance prices for a Chevy Express can normally be a painful process, but you can learn a few tricks to find lower rates.

There are more efficient ways to compare auto insurance rates so we’re going to tell you the best way to get price quotes for a new or used Chevy and get the lowest possible price from both online companies and local agents.

It’s a good habit to get comparison quotes at least once a year because prices change regularly. Even if you got the best deal on Express coverage on your last policy you will most likely find a better rate today. Block out anything you think you know about auto insurance because you’re about to find out how to use the internet to lower your rates without sacrificing coverage.

How much does insurance cost?

Finding low cost insurance rates can be relatively painless. The only requirement is to take time to compare free auto insurance quotes provided by online insurance companies. Comparing prices online can be done by using one of the methods below.

  1. One of the simplest ways to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This method keeps you from doing repetitive form submissions to each individual insurance company. A single form gets rate comparisons from multiple low-cost companies.It’s the quickest way to get rates.
  2. A different way to get quotes online consists of going to each individual company website and repeat the quote process again and again. For example, let’s assume you want comparison quotes from Allstate, Geico and Liberty Mutual. To do that, you would have to go to every website and repeatedly enter your information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

The method you choose is up to you, but try to keep equivalent coverage data on every quote. If your comparisons have unequal deductibles or liability limits it’s not possible to make a fair rate comparison.

Lower-cost car insurance rates with discounts

Companies that sell car insurance do not advertise all disounts in an easy-to-find place, so we took the time to find a few of the more common as well as the least known savings tricks you should be using when you buy auto insurance online.

  • Student Discounts – This discount may save as much as 25% on a auto insurance quote. Many companies even apply the discount to college students until age 25.
  • Responsible Driver Discount – Safe drivers may receive a discount up to 45% on Express coverage than drivers with accidents.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and earn discounts up to 10% off your auto insurance quote.
  • Safety Course Discount – Participating in a defensive driver class could save 5% or more and easily pay for the cost of the class.
  • Pay Upfront and Save – If paying your policy premium upfront rather than spreading payments over time you can avoid monthly service charges.
  • Discounts for Multiple Vehicles – Insuring multiple cars on a single policy can get a discount for every vehicle.
  • Auto/Home Discount – If you can combine your home and auto policy with the same company you may earn at least 10% off all policies.
  • Drivers Education – Require your teen driver to enroll and complete driver’s education as it can save substantially.

Keep in mind that most credits do not apply to your bottom line cost. Most only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears you could get a free car insurance policy, it’s just not the way it works. But any discount will reduce your policy premiums.

If you would like to choose from a list of insurers that have a full spectrum of discounts, click here to view.

Tailor your car insurance coverage to you

When choosing proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • Can I afford to buy a different vehicle if my 2006 Chevy Express is totaled?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered if I hit a deer?
  • When do I need to add a new car to my policy?
  • Does coverage extend to my business vehicle?
  • Does my medical payments coverage pay my health insurance deductible?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Information about specific coverages

Understanding the coverages of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hail damage, fire damage and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto collision coverage

This will pay to fix damage to your Express from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a mailbox, rolling your car, backing into a parked car, damaging your car on a curb and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Liability insurance

Liability coverage will cover damages or injuries you inflict on other’s property or people in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims like repair bills for other people’s vehicles, structural damage, emergency aid, attorney fees and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for bills for things like prosthetic devices, doctor visits, hospital visits and X-ray expenses. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Chevy Express.

Because many people 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 very important. Most of the time these coverages do not exceed the liability coverage limits.

One last thing

Consumers who switch companies do it for a number of reasons such as high rates after DUI convictions, being labeled a high risk driver, delays in paying claims and delays in responding to claim requests. It doesn’t matter what your reason, choosing a new company can be less work than you think.

Cheap 2006 Chevy Express insurance can be found on the web and from local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not offer price quotes online and usually these regional insurance providers only sell coverage through independent insurance agents.

You just learned a lot of information how to reduce 2006 Chevy Express insurance premium rates online. The key thing to remember is the more quotes you get, the better likelihood of getting low cost auto insurance. Consumers may even find the lowest premium rates come from a small local company.

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