View 2012 Chevrolet Express Car Insurance Quotes

Comparing auto insurance quotes online can seem complicated if you have never taken advantage of quote comparisons online. But don’t give up because finding lower prices is easier than you think.

Slash your auto insurance rates with discounts

Companies don’t always publicize all possible discounts very clearly, so here is a list some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy auto insurance online.

  • Paperwork-free – Some of the larger companies may give you up to $50 for completing your application on your computer.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in high school.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Anti-lock Brakes – Vehicles that have anti-lock braking systems can stop better under adverse conditions so companies give up to a 10% discount.
  • Discount for Swiching Early – Some companies provide a discount for buying a policy before your current policy expires. This discount can save up to 10%.
  • Professional Memberships – Participating in specific professional or occupational memberships or organizations can get you a small discount when getting a auto insurance quote.

It’s important to understand that most discounts do not apply to the entire cost. Most cut specific coverage prices like collision or personal injury protection. So even though they make it sound like you can get free auto insurance, nobody gets a free ride. Any amount of discount will positively reduce your policy premium.

Popular auto insurance companies and the discounts they provide are:

  • State Farm offers premium reductions for student away at school, safe vehicle, good driver, defensive driving training, Drive Safe & Save, anti-theft, and passive restraint.
  • Liberty Mutual discounts include multi-car, multi-policy, safety features, preferred payment discount, new vehicle discount, exclusive group savings, and good student.
  • American Family policyholders can earn discounts including good driver, good student, defensive driver, early bird, mySafetyValet, and accident-free.
  • Progressive may have discounts that include continuous coverage, homeowner, good student, online quote discount, multi-policy, multi-vehicle, and online signing.
  • Farmers Insurance offers discounts for business and professional, electronic funds transfer, bundle discounts, youthful driver, and distant student.
  • Auto-Owners Insurance may include discounts for teen driver, safe vehicle, paid in full, company car, safe driver, anti-theft, and multi-policy.
  • SAFECO includes discounts for teen safety rewards, bundle discounts, teen safe driver, anti-theft, anti-lock brakes, and drive less.

Before buying, ask every prospective company which discounts can lower your rates. Depending on the company, some discounts may not be available in your area. To find insurance companies who offer discounts, click here to view.

How to get low cost car insurance

When comparison shopping, there are several ways to obtain and compare prices from local car insurance companies. By far the easiest way to do a complete rate comparison is to perform an online rate comparison. This can be accomplished in several different ways.

The fastest way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This easy form prevents you from having to do separate forms to each individual car insurance company. One simple form compares rates from multiple companies. Just one form and you’re done.

A less efficient way to analyze rates is to manually visit each individual company website and repeat the quote process again and again. For example, we’ll pretend you want to compare Progressive, 21st Century and GMAC. You would have to go to every website to input your insurance information, which can be really labor intensive. To view a list of companies in your area, click here.

The most time-consuming method to shop rates is to spend your day driving to and from local insurance agencies. The ability to buy insurance online has made agencies unnecessary unless you want the professional assistance that you can only get from talking to an agent. Some companies do allow you to price shop online and still use a local agent.

Whichever method you choose, make sure you are using exactly the same coverage limits on every price quote you get. If you enter different coverage information it will be very difficult to make a fair comparison for your Chevy Express. Just slight variations in insurance coverages may result in large price differences. And when price shopping your coverage, quoting more provides better odds of finding the best rates. Not every company does rate quotes online, so it’s necessary to compare rates from them, too.

You are unique and your insurance should be too

When choosing proper insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions can aid in determining whether you will benefit from professional help.

  • Do I need PIP (personal injury protection) coverage in my state?
  • What is medical payments coverage?
  • Why is insurance for a teen driver so high?
  • What exactly is covered by my policy?
  • Do I need higher collision deductibles?
  • How much can I save by bundling my policies?
  • Do I pay less for low miles?
  • Is a new car covered when I drive it off the dealer lot?
  • Does my 2012 Chevy Express qualify for pleasure use?
  • Does my policy pay for OEM or aftermarket parts?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form.

Auto insurance coverages and their meanings

Understanding the coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Coverage for collisions

Collision coverage will pay to fix damage to your Express from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like driving through your garage door, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, vandalism, theft and damage from flooding. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Chevy Express.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time these limits do not exceed the liability coverage limits.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like hospital visits, EMT expenses and funeral costs. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverages

This coverage can cover damage or injury you incur to other people or property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as bail bonds, medical services, structural damage and court costs. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Smart consumers save more

Budget-friendly car insurance can be found on the web as well as from insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not offer internet price quotes and many times these smaller providers provide coverage only through independent insurance agents.

Consumers switch companies for many reasons like policy non-renewal, high prices, unfair underwriting practices or questionable increases in premium. Whatever your reason, choosing a new company is less work than it seems.

We covered a lot of ways to lower your 2012 Chevy Express insurance auto insurance rates. It’s most important to understand that the more providers you compare, the better your chances of lowering your premium rates. You may be surprised to find that the most savings is with a small mutual company.

Much more information about car insurance is located at the links below