Compare 2009 Chevrolet Express Insurance Quotes

Trying to find lower insurance coverage rates for your Chevrolet Express? Have you fallen victim to overpriced insurance coverage? Say no more because there are many consumers feeling the pinch from expensive insurance coverage. Lots of insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare car insurance companies to get the best rate

It’s a good idea to take a look at other company’s rates on a regular basis because insurance coverage prices change quite often. Even if you got the lowest price on Express coverage a couple years back you will most likely find a better rate quote today. You can find a lot of misleading information regarding insurance coverage on the web, but you can learn some great ideas on how to find affordable insurance coverage.

Cheaper rates with these car insurance discounts

Companies don’t necessarily list every discount very clearly, so the list below details a few of the more common and the more hidden car insurance savings.

  • Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can qualify for discounts of 20 to 30 percent.
  • Smart Student Discounts – A discount for being a good student can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • 55 and Retired – Seniors can get a small discount on rates on Express coverage.
  • Life Insurance – Larger insurance companies have lower prices if you buy a life policy as well.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are much safer to drive and the ABS can save up to 10%.
  • Early Switch Discount – Some companies give discounts for switching policies early. You may see this discount when you get car insurance quotes online.
  • Telematics Devices – Insureds who allow driving data submission to look at when and where they use their vehicle by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they exhibit good driving behavior.

It’s important to note that most discount credits are not given to all coverage premiums. Most only reduce the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like it’s possible to get free car insurance, car insurance companies aren’t that generous.

If you would like to see a list of providers with the best car insurance discounts, click this link.

How to find the cheapest car insurance

There are multiple methods you can shop for car insurance but one way is easier and takes less work. You can waste hours talking to local insurance agents in your area, or you can utilize online quoting to get the quickest rates.

All the larger companies participate in an industry program that allows shoppers to send in one quote, and every company provides a quote based on the submitted data. This prevents consumers from doing quotation requests to each individual car insurance company.

To compare rates now click to open in new window.

The only downside to using this type of system is you cannot specify which carriers you want to price. So if you prefer to pick individual companies to compare prices, we put together a list of companies who write car insurance in your area. Click here to view list.

The approach you take is up to you, just make sure you compare identical coverage limits for each price quote. If you compare different limits and deductibles on each one you will not be able to determine which company has the best rates.

Informed consumers save every year

Many different elements are part of the equation when you get a price on insurance. A few of the factors are predictable such as your driving history, although some other factors are not as apparent like your continuous coverage or your financial responsibility.It’s important that you understand the different types of things that are used to determine the level of your policy premiums. If you have a feel for what controls the rates you pay, this empowers consumers to make smart changes that can help you get lower premium levels.

The list below includes a partial list of the pieces companies use to determine prices.

  • Mature drivers pay less – Inexperience drivers are statistically shown to be inattentive when behind the wheel so car insurance rates are higher. Older, more experienced drivers are more cautious drivers, cause fewer claims and accidents .
  • Married people drive safer – Getting married may cut your premiums on car insurance. Having a spouse generally demonstrates drivers are more mature and it’s statistically proven that married drivers tend to file fewer claims.
  • Your car’s features help determine prices – Owning a car with anti-theft technology or alarm system can save you some money. Systems that thwart theives such as OnStar, LoJack tracking, and tamper alarms can thwart car theft.
  • Avoid unnecessary extra policy coverages – There are quite a few extra add-on coverages that you can get tricked into buying on your car insurance policy. Coverage for things like coverage for rental cars, towing coverage, and additional equipment coverage are some examples. They may sound like good ideas when buying your policy, but now you might not need them so remove them and pocket the money.
  • Safer cars cost less to insure – Cars with five star safety ratings get lower rates. Vehicles built for safety protect occupants better and fewer serious injuries means less claims paid and cheaper rates on your policy.
  • Guys pay higher premiums – Statistics demonstrate that females tend to be a little less risky than males. However, this does not mean females are better at driving than males. Males and females get in at-fault accidents at about the same rate, but the men have costlier accidents. In addition to higher claims, males also get cited for more serious violations such as reckless driving. Males from age 16 to 21 tend to get in the most accidents so it costs more to insure them.
  • Tough vocation may mean higher premiums – Do you have a high-stress occupation? Jobs like doctors, architects and financial analysts have the highest average rates attributed to intense work-related stress and lengthy work days. Other jobs such as actors, engineers and performers receive lower rates on Express coverage.

Auto insurance can get complicated

When it comes to buying coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that For instance, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered if I hit a deer?
  • Is my teen driver covered when they drive my company car?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is my 2009 Chevy Express covered for flood damage?
  • Do I need special endorsements for business use of my vehicle?
  • Is my trailer covered?
  • How do I insure my teen driver?
  • How much liability do I need to cover my assets?
  • Is a new car covered when I drive it off the dealer lot?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Do drivers who switch really save $493 a year?

Consumers can’t avoid all the ads that claim the lowest prices from the likes of Allstate and Progressive. All the ads advertise claims that drivers will save a bundle if you change your policy.

How does each company offer you a better deal? You have to listen carefully.

All companies quote their cheapest rates for the driver that makes them money. One example of this type of risk profile may be a mature driver, has other policies, and drives newer vehicles. A customer that hits that “sweet spot” is entitled to the best price and therefore will save if they switch.

People who do not meet these stringent criteria will be charged a higher premium and ends up with the customer buying from someone else. The ad wording is “drivers who switch” not “everyone who quotes” can save as much as they claim. That’s why insurance companies can confidently make the claims of big savings. Because every company is different, it’s extremely important to get a wide range of price quotes. Because you cannot predict which auto insurance company will have the best premium rates for your profile.

Specific coverage details

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, hitting a deer, hitting a bird, fire damage and damage from flooding. The maximum payout 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 it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Chevy Express.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for expenses for things like ambulance fees, EMT expenses and hospital visits. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers you and your occupants and also covers being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Liability car insurance

Liability coverage will cover damages or injuries you inflict on other people or property in an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as medical expenses, pain and suffering, legal defense fees, bail bonds and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Collision coverage

Collision coverage pays for damage to your Express caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sustaining damage from a pot hole, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Shop around and save

We just presented many ideas to shop for 2009 Chevy Express insurance online. The key thing to remember is the more you quote car insurance, the higher your chance of finding low cost car insurance. Drivers may discover the most savings is with a company that doesn’t do a lot of advertising. They can often provide lower prices in certain areas than the large multi-state companies such as Progressive or Geico.

When you buy car insurance online, don’t be tempted to buy less coverage just to save a little money. Too many times, drivers have reduced collision coverage only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage at a price you can afford, but don’t skip important coverages to save money.

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