2008 Chevrolet Express Insurance Rates

Searching for better insurance rates for your Chevrolet Express? Having to pay for expensive Chevrolet Express insurance can draw down your funds and put the squeeze on your family’s finances. Performing a rate comparison can help to tighten up your finances.

There are many insurers to pick from, and although it’s a good thing to have a choice, more options can take longer to find the best rates for your vehicles.

It’s important to price shop coverage every six months because insurance prices are adjusted regularly by insurance companies. Just because you found the best price on Express coverage a year ago you can probably find a better rate quote now. Block out anything you think you know about insurance because you’re about to learn one of the easiest ways to properly buy coverages while reducing your premium.

Discounts to earn cheap insurance coverage rates

Some insurance providers don’t list all possible discounts very clearly, so the list below contains a few of the more well known and the harder-to-find discounts you could be receiving when you buy auto insurance online.

  • Student Discount for Driver Training – Cut your cost by having your teen driver complete a driver education course as it can save substantially.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Discounts for Safe Drivers – Safe drivers may save up to 50% more on Express coverage than their less cautious counterparts.
  • Active Service Discounts – Being deployed in the military could be rewarded with lower rates.
  • Discount for Good Grades – Excelling in school can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Distant Student Discount – Kids who are attending college and won’t have access to an insured vehicle could get you a discount.
  • Auto/Life Discount – Larger insurance coverage companies have a discount if you purchase a life policy as well.
  • Theft Deterent Discount – Cars equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Safety Course Discount – Successfully completing a course in safe driver could earn you a small percentage discount and also improve your driving technique.
  • Employee of Federal Government – Active or former government employment could provide a small rate reduction on Express coverage with certain companies.

Remember that most credits do not apply the the whole policy. Most cut specific coverage prices like comprehensive or collision. If you do the math and it seems like you can get free auto insurance, companies don’t profit that way.

Large insurance coverage companies and their possible discounts are detailed below.

  • State Farm offers discounts for anti-theft, good driver, multiple policy, Steer Clear safe driver discount, Drive Safe & Save, good student, and student away at school.
  • Nationwide includes discounts for family plan, anti-theft, business or organization, multi-policy, Farm Bureau membership, defensive driving, and easy pay.
  • Geico policyholders can earn discounts including seat belt use, military active duty, anti-theft, multi-vehicle, and membership and employees.
  • AAA may offer discounts for multi-policy, good driver, pay-in-full, anti-theft, and education and occupation.
  • 21st Century offers discounts including 55 and older, student driver, teen driver, theft prevention, anti-lock brakes, and automatic seat belts.
  • The Hartford may have discounts that include bundle, defensive driver, air bag, driver training, anti-theft, and good student.

It’s a good idea to ask all companies you are considering what discounts are available to you. Discounts might not apply in your area. If you would like to choose from a list of insurance coverage companies that offer many of these discounts, follow this link.

The quickest method we recommend to compare policy rates is to know most insurance companies provide online access to give you rate quotes. The only thing you need to do is provide information like types of safety features, how you use your vehicles, what your job is, and the type of vehicles you drive. Your rating data is then sent to many highly-rated insurers and you will get price comparisons immediately.

Components of your Chevy Express insurance rates

One of the most helpful ways to save on insurance is to to have a grasp of the different types of things that help determine your insurance rates. If you know what determines base rates, this enables informed choices that will entitle you to cheaper rates. Many things are part of the calculation when premium rates are determined. Some are pretty understandable such as your driving history, although some other factors are not quite as obvious such as your marital status and annual miles driven.

The list below includes a few of the “ingredients” used by companies to determine your premiums.

  • Higher premiums for tough employers – Jobs like judgesairline pilots and accountants have the highest average rates in part from stressful work requirements and incredibly demanding work hours. On the flip side, careers like professors, historians and the unemployed pay the least on Express coverage.
  • Rural areas have lower rates – Choosing to live in less populated areas has definite advantages when buying insurance. Fewer drivers on the road translates into fewer accident claims and also fewer theft and vandalism claims. Urban drivers have to deal with more traffic problems and a longer drive to work. Longer commute distances statistically corresponds to a higher accident and claim rate.
  • Five star NHTSA crash test rating saves money – Vehicles that have high safety ratings tend to have better insurance rates. Highly rated vehicles reduce occupant injuries and lower rates of occupant injuries translates directly to fewer claims which can mean better rates for you. If your Chevy is rated at least four stars on Safercar.gov you may qualify for a discount.
  • Increase physical damage deductibles to save – Physical damage coverage, also called ‘full coverage’, protects your Chevy from damage. Examples of covered claims would be a broken windshield, damage caused by hail, and windstorm damage. Your deductibles define how much you are willing to pay in the event of a claim. The more money you pay before a claim is paid (deductible), the bigger discount you will receive on Express coverage.
  • Annual miles impacts rates – The more you drive your Chevy in a year the more you’ll pay to insure your vehicle. Most companies apply a rate based upon how much you drive. Autos that do not get driven very much cost less to insure than vehicles that have high annual mileage. Ask your agent if your policy shows annual mileage, because it can save money. Incorrect rating for your Express can result in significantly higher rates.
  • How credit score affects insurance prices – A driver’s credit rating is a large factor in your rate calculation. So if your credit is not that good, you could be paying less to insure your 2008 Chevrolet Express by improving your rating. People that have high credit ratings tend to file fewer claims than drivers with worse credit.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage, there really is not a best way to insure your cars. Every situation is different so your insurance needs to address that. Here are some questions about coverages that can help discover if your insurance needs would benefit from professional advice.

  • Am I covered when delivering products for my home-based business?
  • Is my nanny covered when driving my vehicle?
  • What is high-risk coverage and where do I buy it?
  • Do I need replacement cost coverage on my 2008 Chevy Express?
  • What are the best liability limits?
  • How do I insure my teen driver?
  • What is roadside assistance coverage?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Do you really save 40% when you switch?

Car insurance companies such as State Farm, Geico and Progressive endlessly run television, radio, and online ads. They all make the point that you can save if you change your coverage to them. How is it possible that every company can make almost identical claims? It’s all in the wording.

Different companies have strict underwriting profiles for a prospective insured that makes them money. For instance, a desirable risk might be between 25 and 40, is a homeowner, and drives less than 7,500 miles a year. A driver that matches those criteria will get very good prices and will save when switching.

Consumers who don’t measure up to this ideal profile will see a more expensive rate which leads to the driver buying from a lower-cost company. Company advertisements say “drivers that switch” not “everyone that quotes” save that much. That is how companies can truthfully make those claims. Each company has different criteria, so drivers must compare rate quotes every year. It’s not possible to predict which insurance companies will have better premium rates than you’re paying now.

Insurance policy specifics

Understanding the coverages of insurance can be of help when determining which coverages you need for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages found on the average insurance policy.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your Chevy Express.

Since a lot of 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.

Comprehensive coverage – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, hail damage and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for immediate expenses for EMT expenses, surgery, dental work, ambulance fees and chiropractic care. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Coverage for liability – Liability insurance protects you from injuries or damage you cause to other people or property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as bail bonds, medical services, legal defense fees and medical expenses. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Collision – Collision coverage pays for damage to your Express resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sustaining damage from a pot hole, damaging your car on a curb and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Be a Smart Shopper

As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, someone sacrificed uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. Your objective should be to buy a smart amount of coverage at the best cost.

Lower-priced auto insurance can be purchased from both online companies in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not have internet price quotes and many times these smaller companies sell through independent agents.

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