Cheaper 2016 Chevrolet City Express Car Insurance Quotes

Want the cheapest insurance coverage rates for your Chevrolet City Express? Are you burned out from scraping the payment together to insure your Chevy every month? Your situation is no different than many other drivers.

Many car insurance companies compete to insure your vehicles, so it’s not easy to compare every insurer to get the lowest rate

How to compare insurance coverage quotes

To find cheap quotes, there are a couple of ways to compare rate quotes from companies that offer insurance coverage in your state. The simplest method to comparison shop is to use the internet to compare rates. It’s really quite simple and can be done in just a few minutes using one of these methods.

• One of the simplest ways consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This type of form keeps you from doing repetitive form submissions for each company. A single form gets coverage cost estimates from multiple low-cost companies.
• A more time consuming way to shop for insurance coverage online requires visiting the website for every company you want to comare and fill out a new quote form. For sake of this example, we’ll pretend you need rates from Auto-Owners, Allstate and American Family. To find out each rate you need to visit each site to input your insurance information, which is not fast way to get rate quotes.

  To view a list of companies in your area, click here.

• The most time-consuming method to get price estimates is to waste gas driving to and from local insurance agencies. Shopping for insurance coverage online makes this process obsolete unless your situation requires the trained advice that you can only get from talking to an agent. If you prefer, some companies allow you to compare online quotes and get advice from an agent in your area.

The method you choose is up to you, but ensure you’re using exactly the same quote information on every price quote you get. If you have different liability limits you will not be able to find the best deal for your Chevy City Express. Even a minor difference in insurance coverages can mean a large discrepancy in price. It’s important to know that comparing more company’s prices increases your odds of finding the best rates.

Insurance coverage companies offer many discounts

Insurance coverage is expensive, but you might already qualify for some discounts that can dramatically reduce your bill. Some of these disounts will be visible at quote time, but some discounts are required to be requested specifically before you get the savings.

• Military Deployment Discount – Being on active deployment in the military may lower your insurance coverage rates slightly.
• Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts can save 10% or more off PIP or medical payments premium.
• Multi-car Discount – Drivers who insure multiple cars or trucks with the same insurance coverage company could earn a price break for each car.
• Accident Forgiveness – This one is not really a discount per se, but a few companies such as Geico, State Farm, and Progressive will allow you to have one accident without the usual rate increase so long as you are claim-free for a specific time period.
• Bundled Policy Discount – When you combine your auto and homeowners insurance with one company you could get a discount of at least 10% off all policies.

Please keep in mind that many deductions do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you can get free auto insurance, you’re out of luck.

A few popular companies and their possible discounts are:

• State Farm discounts include multiple autos, accident-free, safe vehicle, Drive Safe & Save, passive restraint, and anti-theft.
• American Family offers premium reductions for mySafetyValet, bundled insurance, early bird, Steer into Savings, accident-free, and air bags.
• AAA includes discounts for good student, multi-policy, multi-car, education and occupation, AAA membership discount, anti-theft, and pay-in-full.
• Geico may include discounts for membership and employees, federal employee, air bags, multi-policy, seat belt use, good student, and multi-vehicle.
• Mercury Insurance policyholders can earn discounts including annual mileage, ease of repair, location of vehicle, accident-free, professional/association, and type of vehicle.
• Farmers Insurance has discounts for multi-car, early shopping, bundle discounts, business and professional, good student, and teen driver.
• Progressive may offer discounts for online signing, continuous coverage, online quote discount, homeowner, good student, multi-vehicle, and multi-policy.

Double check with every prospective company to give you their best rates. Depending on the company, some discounts might not be available to policyholders in your area. For a list of companies who offer discounts, click here.

Do I just need basic coverages?

When it comes to buying proper insurance coverage, there isn’t really a best way to insure your cars. Each situation is unique so your insurance needs to address that. For instance, these questions can aid in determining whether you will benefit from professional help.

• Am I covered when driving in Canada or Mexico?
• Should I waive the damage coverage when renting a car?
• Am I covered if I break a side mirror?
• Why do I only qualify for high-risk insurance?
• Am I covered if I hit my neighbor’s mailbox?
• Where can I find high-risk insurance?
• Can I afford to pay high deductible claims out of pocket?
• Is business equipment covered while in my vehicle?
• What can I do if my company won’t pay a claim?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Insurance coverages 101

Learning about specific coverages of insurance aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages offered by insurance companies.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like surgery, dental work and nursing services. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Chevy City 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability coverages – Liability coverage can cover damage that occurs to other’s property or people. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for claims like legal defense fees, emergency aid, funeral expenses, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, a broken windshield and falling objects. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision – Collision coverage pays for damage to your City Express caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with another moving vehicle, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.