2011 Chevrolet Express Car Insurance Cost – 7 Tricks for Cheaper Prices

Did you make the mistake of buying high-priced auto insurance? You’re in good company because many drivers have buyer’s remorse. Due to the fact that there are so many auto insurance companies to choose from, it can be impossible to choose the best company.

Locating affordable auto insurance coverage can be fairly easy. If you have a policy now or are just looking to switch companies, you can use this information to get lower rates while maximizing coverage. Consumers just need to know the tricks to shop for auto insurance online.

Affordable car insurance

Effectively comparing car insurance prices is a ton of work if you aren’t aware of the best way to get rate quotes. You can waste hours talking about coverages with insurance agencies in your area, or you could use the web to maximize your effort.

All the larger companies take part in a program where prospective buyers submit one quote, and each participating company returns a rated price determined by their information. This system prevents you from having to do form submissions for each company.

To compare rates using this form now click here (opens in new window).

One minor caviat to using this type of system is you don’t know exactly the companies to receive prices from. If you wish to select specific providers to compare, we put together a list of the cheapest car insurance companies in your area. Click here to view list.

Take whichever approach you prefer, but make sure you are using apples-to-apples coverage limits for every company. If each company quotes different deductibles it will be nearly impossible to make a fair comparison for your Chevy Express.

Car insurance policy discounts

Companies that sell car insurance don’t always advertise every policy discount very well, so the list below gives a summary of both the well known and also the more inconspicuous credits that may apply to you.

  • Student in College – living away from home attending college and leave their car at home can be insured at a reduced rate.
  • Discount for Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can get savings as much as 30%.
  • More Vehicles More Savings – Buying a policy with multiple cars or trucks on one policy can reduce rates for all insured vehicles.
  • ABS Braking Discount – Cars, trucks, and SUVs with ABS and/or traction control are much safer to drive and will save you 10% or more.
  • Telematics Discount – Policyholders that allow data collection to study when and where they use their vehicle by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they are good drivers.
  • Discount for Multiple Policies – When you have multiple policies and insure them both with the same insurance company you could earn a discount of over 10 percent off each policy depending on the company.
  • Early Switch Discount – Some larger companies reward drivers for buying a new policy before your current expiration date. You may see this discount when you get auto insurance quotes online.

Don’t be surprised that most of the big mark downs will not be given to the entire cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, you aren’t that lucky. But all discounts will definitely lower your policy premiums.

Popular car insurance companies and a selection of discounts include:

  • State Farm includes discounts for good student, Drive Safe & Save, defensive driving training, accident-free, and driver’s education.
  • Esurance policyholders can earn discounts including anti-theft, renters, online quote, DriveSense, Switch & Save, and claim free.
  • Progressive offers discounts for continuous coverage, multi-vehicle, good student, online signing, and online quote discount.
  • Liberty Mutual may include discounts for good student, exclusive group savings, preferred payment discount, hybrid vehicle, safety features, multi-policy, and new vehicle discount.
  • Auto-Owners Insurance offers premium reductions for student away at school, multi-policy, teen driver, mature driver, paperless, and anti-theft.
  • Geico has savings for membership and employees, good student, federal employee, emergency military deployment, military active duty, seat belt use, and air bags.

When comparing rates, check with each company which discounts you may be entitled to. Some discounts may not be offered in your area. To choose providers with discount rates, click here to view.

How do I know if I need professional advice?

When choosing the best insurance coverage coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that may help you determine whether you might need an agent’s assistance.

  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered if I hit a deer?
  • Why am I required to buy liability insurance?
  • Do I benefit by insuring my home with the same company?
  • When can my company non-renew my policy?
  • Is business property covered if stolen from my car?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Insurance specifics

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages offered by insurance companies.

Liability coverages

This can cover injuries or damage you cause to a person or their property in an accident. Liability coverage has 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 limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like emergency aid, court costs and medical expenses. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Uninsured or underinsured coverage

This coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Express.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Medical expense coverage

Med pay and PIP coverage pay for expenses for doctor visits, ambulance fees, rehabilitation expenses, pain medications and dental work. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as theft, hitting a deer, damage from flooding and rock chips in glass. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto collision coverage

Collision insurance covers damage to your Express from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with another moving vehicle, driving through your garage door, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Spend less. Save more.

While you’re price shopping online, make sure you don’t reduce needed coverages to save money. In too many instances, an accident victim reduced liability coverage limits and found out when filing a claim that the savings was not a smart move. Your strategy should be to find the BEST coverage at an affordable rate and still be able to protect your assets.

Lower-priced 2011 Chevy Express insurance can be bought from both online companies and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from. Some companies do not provide online rate quotes and these small, regional companies prefer to sell through independent insurance agencies.

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