Lower Your 2015 Chevrolet Express Insurance Rates

Having to pay for high-priced auto insurance can bleed your family’s budget and possibly require you to analyze your spending habits. Doing a price comparison is free and is an excellent way to tighten up your finances.

With so many auto insurance companies to choose from, it’s difficult to find the most affordable auto insurance provider.

How to compare free car insurance rate quotes

Finding a lower price on 2015 Chevy Express insurance is a fairly straight forward process. Just take a few minutes to compare free car insurance quotes to see which company has low cost car insurance quotes. This can be accomplished using one of these methods.

One of the fastest ways to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This easy form prevents you from having to do multiple quote forms for every prospective company. One form will return price quotes from multiple companies.

A different way to analyze rates is going to the website of each company to complete their respective quote request forms. For instance, we’ll assume you want to view quotes from Liberty Mutual, Allstate and Farmers. You would have to spend time going to each site individually and repeatedly type in your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

Even if you have time, the least recommended way to get price estimates is driving to all the different insurance agencies. Comparing rates online has reduced the need for local agents unless you have a need for the professional assistance that you can only get from talking to an agent. It is possible with some companies get prices online but still have the advice of a local agent.

The approach you take is up to you, just ensure you’re using equivalent coverage data for each quote you get. If the quotes have higher or lower deductibles it’s not possible to make a fair comparison for your Chevy Express.

Situations that may require an agent’s advice

When it comes to buying coverage for your vehicles, there is no best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions can help discover if your situation might need professional guidance.

How much liability do I need to cover my assets?
Am I covered by my spouse’s policy after a separation?
What is the difference between comprehensive and collision coverage?
Which companies will insure high-risk drivers?
Do all my vehicles need collision coverage?
Do I need medical payments coverage since I have good health insurance?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Educate yourself about car insurance coverages

Learning about specific coverages of a car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on most car insurance policies.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as theft, rock chips in glass, a broken windshield, damage from a tornado or hurricane and hitting a bird. The most your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto collision coverage

This coverage will pay to fix damage to your Express resulting from a collision with another car or object. You first must 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, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Chevy Express.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like prosthetic devices, ambulance fees and funeral costs. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Coverage for liability

Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for things such as emergency aid, pain and suffering and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.