View 2010 Chevrolet Express Insurance Rates

Drivers have lots of choices when trying to find low-cost Chevy Express insurance. You can either waste hours contacting agents trying to get quotes or save time using the internet to get rate quotes. There are both good and bad ways to compare car insurance rates and you need to know the quickest way to price shop coverage for a Chevy and locate the cheapest rates either online or from local insurance agents.

Buying car insurance is quite easy. If you have car insurance now, you stand a good chance to be able to save some money using this strategy. Drivers just need to understand how to get comparison rates online.

How to find cheap insurance

Lowering your 2010 Chevy Express insurance rates is not a difficult process. Just take a couple of minutes to compare free insurance quotes to find out which insurance company has cheaper insurance quotes. This can easily be done by using one of the methods below.

The fastest and easiest way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This quick form prevents you from having to do a different quote for each price estimate. Taking the time to complete one form gets you price quotes from multiple companies. It’s the fastest way to compare.
Another way to get quotes online requires a visit to the website for each individual company and repeat the quote process again and again. For instance, let’s say you need rates from Allstate, Farmers and American Family. You would need to go to each individual site to input your insurance information, which is why the first method is more popular.
To view a list of companies in your area, click here.
Even if you have time, the least recommended method to comparison shop rate quotes is to spend time driving to local insurance agencies. The fact that you can get quotes online can eliminate the need for a local agent unless your situation requires the advice and guidance of a local agency. It is possible with some companies find lower rates online but still have the advice of a local agent.

Whichever way you choose to compare rates, compare exactly the same coverage data on every price quote you get. If your comparisons have different limits and deductibles on each one it will be nearly impossible to make a fair comparison for your Chevy Express.

These discounts can reduce insurance rates

Not many people think insurance is cheap, but you might already qualify for some discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time of purchase, but some discounts are required to be specifically requested prior to receiving the credit.

Membership in Organizations – Joining a professional or civic organization is a good way to get lower rates on your next renewal.
Discounts for Safe Drivers – Insureds who avoid accidents can save up to 40% or more on their insurance quote for Express insurance than drivers with accident claims.
Early Payment Discounts – If you pay your entire premium ahead of time rather than paying in monthly installments you may have a lower total premium amount.
Service Members Pay Less – Being on active duty in the military could be rewarded with lower prices.
Driver Safety – Passing a course teaching defensive driver skills can save you 5% or more and easily pay for the cost of the class.
Early Renewal Discounts – Some larger companies give discounts for switching to them early. This discount can save up to 10%.
No Claim Discounts – Drivers with accident-free driving histories are rewarded with significantly better rates on insurance quote when compared with frequent claim filers.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce individual premiums such as comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way.

Larger insurance companies and their offered discounts are included below.

State Farm discounts include defensive driving training, multiple policy, student away at school, good driver, driver’s education, and Steer Clear safe driver discount.
Geico offers discounts for five-year accident-free, daytime running lights, anti-lock brakes, seat belt use, good student, and air bags.
Liberty Mutual offers discounts including new move discount, exclusive group savings, newly married, good student, and hybrid vehicle.
The Hartford may include discounts for defensive driver, air bag, good student, anti-theft, and driver training.
MetLife policyholders can earn discounts including defensive driver, good driver, multi-policy, good student, accident-free, and claim-free.
Progressive may have discounts that include good student, continuous coverage, homeowner, online signing, multi-vehicle, online quote discount, and multi-policy.

When getting a coverage quote, ask each insurance company to give you their best rates. Savings may not be offered in your area. If you would like to view providers that offer the discounts shown above, follow this link.

When do I need an agent’s advice?

When buying proper insurance coverage for your vehicles, there is no best way to insure your cars. Each situation is unique.

These are some specific questions could help you determine if your insurance needs might need professional guidance.

Am I covered if hit by an uninsured driver?
Does my 2010 Chevy Express qualify for pleasure use?
Does my policy pay for OEM or aftermarket parts?
Should I buy additional glass protection?
Am I covered when pulling a rental trailer?
Am I covered when driving in Canada or Mexico?
Should I sign the liability waiver when renting a car?
Is business property covered if stolen from my car?
Why does it cost so much to insure a teen driver?

If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Insurance coverages and their meanings

Learning about specific coverages of insurance helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a deer, theft, hail damage and fire damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Chevy Express.

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 very important.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for expenses like funeral costs, surgery, ambulance fees and doctor visits. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Coverage for collisions

This will pay to fix damage to your Express caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like backing into a parked car, crashing into a building, hitting a parking meter, sustaining damage from a pot hole and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Auto liability insurance

This coverage will cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like attorney fees, legal defense fees, structural damage, pain and suffering and bail bonds. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.