View 2014 Chevrolet Express Insurance Quotes

If you’re trying to find lower-cost insurance online, are you baffled by the crazy number of car insurance companies available to you? You have so many options that it is a difficult challenge to compare car insurance rates.

It’s a good idea to compare rates at least once a year because prices are adjusted regularly by insurance companies. If you had the best rates for Express insurance a year ago a different company probably has better premium rates today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the fastest way to reduce your cost while improving coverage.

If you are paying for car insurance now, you should be able to save some money using these methods. The purpose of this post is to tell you how car insurance quotes work. Although car owners need to have an understanding of the methods companies use to market insurance on the web and take advantage of how the system works.

Free car insurance quotes

Most major insurance companies give pricing on the web. Doing online quotes is very simple as you simply enter your coverage information as detailed in the form. After you submit the form their rating system automatically orders credit information and your driving record and generates a price based on the data you entered.

Online price estimates streamlines rate comparisons, but the time it takes to visit each company’s website and repetitively fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to have as many quotes as possible in order to get lower prices.

The preferred way to find better car insurance pricing requires only one form that analyzes rates from a lot of companies. This type of form saves time, requires less work, and makes rate comparisons much more efficient. Once the form is submitted, it is quoted and you can select any one of the resulting price quotes.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. It takes just a few minutes to complete and you will know how your current rates stack up.

To compare rates now, click here and enter your vehicle and coverage information. To compare your current rates, we recommend you replicate the insurance coverages just like they are on your policy. Using the same limits helps guarantee you are getting a price comparison based on the exact same insurance coverage.

Advertising myths

Big name companies like Progressive, Allstate and Geico constantly bombard you with television and radio advertisements. They all advertise claims that you can save if you switch your coverage to them. How can each company give you a better price? Here is how they do it.

Different companies give the cheapest rates for the type of driver that earns them the most money. One example of this type of insured could possibly be between the ages of 30 and 50, has no claims, and has great credit. Someone who matches that profile will get very good car insurance rates and have a good chance to save a lot of money.

Potential insureds who don’t meet this stringent profile will probably be forced to pay higher rates with the end result being the customer buying from someone else. The wording the ads use say “drivers that switch” not “everyone that quotes” save that much when switching. That’s why companies can make those claims.

Each company has different criteria, so it’s extremely important to compare quotes as often as possible. It’s impossible to know which insurance company will have the lowest rates.

Get affordable auto insurance rates with discounts

Auto insurance is easily one of your largest bills, but there could be significant discounts that can drop the cost substantially. Certain reductions will be credited at the time of purchase, but a few must be manually applied before they will apply.

  • ABS Braking Discount – Cars and trucks with anti-lock braking systems prevent accidents and the ABS can save up to 10%.
  • No Charge for an Accident – Not necessarily a discount, but some insurance companies permit an accident without raising rates with the catch being you have to be claim-free for a specific time period.
  • Sign Online – A handful of companies will provide an incentive for buying your policy on the web.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will save you 10% or more.
  • College Student Discount – Kids who are attending college and won’t have access to an insured vehicle could get you a discount.

A quick disclaimer, some of the credits will not apply to the overall cost of the policy. The majority will only reduce individual premiums such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, it just doesn’t work that way.

A list of companies and some of the discounts can be found below.

  • 21st Century includes discounts for anti-lock brakes, air bags, 55 and older, driver training, homeowners, and theft prevention.
  • Progressive discounts include homeowner, multi-policy, good student, online signing, continuous coverage, and online quote discount.
  • State Farm policyholders can earn discounts including anti-theft, good student, good driver, driver’s education, and passive restraint.
  • Nationwide offers premium reductions for family plan, easy pay, anti-theft, accident-free, Farm Bureau membership, and defensive driving.
  • Esurance may have discounts that include paid-in-full, claim free, homeowner, good student, and Pac-12 alumni.
  • The Hartford may include discounts for driver training, vehicle fuel type, anti-theft, bundle, and defensive driver.

When getting a coverage quote, ask every prospective company the best way to save money. Some discounts listed above may not apply in your state.

Tailor your insurance coverage to you

When choosing adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions might point out whether you may require specific advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • When would I need rental car insurance?
  • Will my rates increase for filing one claim?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I better off with higher deductibles on my 2014 Chevy Express?
  • Am I covered by my spouse’s policy after a separation?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form.

Auto insurance coverage considerations

Learning about specific coverages of your auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like hospital visits, pain medications, X-ray expenses and funeral costs. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision insurance

This pays for damage to your Express resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with another moving vehicle, rolling your car, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, hail damage and theft. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Liability auto insurance

This coverage protects you from damage that occurs to people or other property in an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as funeral expenses, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Shop around and save

As you prepare to switch companies, make sure you don’t buy lower coverage limits just to save a few bucks. Too many times, someone dropped collision coverage and found out when filing a claim that they should have had better coverage. Your objective should be to buy a smart amount of coverage at the best price, but do not sacrifice coverage to save money.

Consumers change insurance companies for any number of reasons including policy non-renewal, extreme rates for teen drivers, not issuing a premium refund or even poor customer service. Regardless of your reason, switching insurance coverage companies is less work than it seems.

Cheap 2014 Chevy Express insurance is available from both online companies in addition to many insurance agents, so you need to shop insurance with both in order to have the best price selection to choose from. A few companies do not offer the ability to get a quote online and many times these small, regional companies provide coverage only through local independent agencies.

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