2016 Chevrolet Express Car Insurance Quotes

Having to pay for high-priced Chevrolet Express insurance can take a big chunk out of your monthly budget, especially in this economy. Comparing cost estimates is a great way to reduce premiums and put more money in your pocket.

You have so many auto insurance companies to buy insurance from, and although it’s nice to have a choice, more options can take longer to compare rates and cut insurance costs.

Choosing the best insurance company for you is not that difficult. If you currently have a car insurance policy, you stand a good chance to be able to save some money using these techniques. Vehicle owners only need to know how to buy insurance online.

Quote auto insurance online

Getting cheaper 2016 Chevy Express auto insurance pricing is not rocket science. Consumers just need to invest a little time to compare rate quotes to find. Rate comparisons can be done by using one of the methods below.

The most efficient way to get quotes is a comparison rater form like this one (opens in new window). This form keeps you from doing multiple quote forms for each price estimate. One quote request will get you rate comparisons from multiple companies.

A more difficult way to get comparison quotes requires a visit to each company website and repeat the quote process. For sake of this example, we’ll pretend you want rates from Auto-Owners, Safeco and Geico. To get rate quotes you would need to spend time going to each site individually to enter the same coverage data repeatedly, which is why most consumers use the first method.

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

You can choose any of those ways to find more affodable coverage, but be certain you are entering nearly identical coverage limits for each comparison quote. If you compare mixed coverages it will be impossible to find the best deal for your Chevy Express.

Reduce your auto insurance rates with discounts

Auto insurance is not an enjoyable expense, but there may be some discounts that can drop the cost substantially. Some discounts apply automatically when you quote, but occassionally some discounts must be asked for before they will apply.

Resident Student – Children who live away from home at college and don’t have a car may qualify for this discount.
Full Payment Discount – If you pay your entire premium ahead of time rather than paying in monthly installments you may reduce your total bill.
Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course if offered at their school.
Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a lower rate if you buy auto and life insurance together.
Active Military Service – Being deployed in the military could mean lower prices.
Professional Organizations – Being a member of specific professional or occupational memberships or organizations is a good way to get lower rates on your next auto insurance statement.
ABS and Traction Control Discounts – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.

As a sidenote, most discounts do not apply to all coverage premiums. Most only cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like you can get free auto insurance, it’s just not the way it works. But any discount will lower your policy premiums.

A few popular companies and a selection of discounts are included below.

State Farm policyholders can earn discounts including multiple policy, passive restraint, anti-theft, driver’s education, and multiple autos.
Geico offers premium reductions for multi-policy, defensive driver, multi-vehicle, membership and employees, and emergency military deployment.
Progressive offers discounts including online signing, multi-policy, good student, homeowner, and multi-vehicle.
21st Century may include discounts for automatic seat belts, student driver, defensive driver, homeowners, good student, and 55 and older.
American Family discounts include multi-vehicle, accident-free, early bird, good driver, TimeAway discount, and bundled insurance.
The Hartford has discounts for bundle, driver training, air bag, vehicle fuel type, anti-theft, and defensive driver.
AAA may offer discounts for multi-policy, good driver, pay-in-full, AAA membership discount, and good student.

When quoting, ask every company to apply every possible discount. All car insurance discounts might not be offered in your area. To locate insurers that offer multiple discounts, follow this link.

You can change your insurance costs

Smart consumers have a good feel for the different types of things that go into determining insurance rates. When you understand what determines base rates, this allows you to make good choices that may result in lower rates. Multiple criteria are used in the calculation when pricing auto insurance. A few of the factors are predictable like a motor vehicle report, but others are less apparent like your continuous coverage or your financial responsibility.

Add-on coverages can cost a lot – There are a ton of optional add-on coverages that you can get tricked into buying when buying insurance. Things like rental car coverage, better glass coverage, and membership fees could be just wasting money. These may sound like a good investment when discussing your needs, but now you might not need them so remove them from your policy.
Higher deductibles reduce prices – Insurance for physical damage, aka comp and collision, insures against damage to your Chevy. Some coverage claims are a windshield shattered by a rock, damage from fire, and damage caused by flying debris. Your deductibles define how much the insured will be required to pay before a claim is paid by your company. The larger the amount the insured has to pay upfront, the lower your rates will be for Express insurance.
Use but don’t abuse your insurance – Insurance companies award most affordable rates to policyholders who do not file claims often. If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
Cheaper rates after marriage – Walking down the aisle can actually save you money on your policy. Having a significant other is viewed as being more mature than a single person and statistics prove drivers who are married file infrequent claims.
Deter car thieves – Driving a car with a theft deterrent system can help lower your premiums. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop your vehicle from being stolen.
Low credit rating equals high prices – Having a bad credit score is likely to be a major factor in determining what you pay. So if your credit rating can be improved, you may save money insuring your 2016 Chevrolet Express by taking the time to improve your credit score. Consumers who have good credit tend to be more responsible than drivers with lower credit ratings.
Consolidate home and auto and save – Most insurance companies will award a discount to people that buy multiple policies. It’s known as a multi-policy discount. Even with this discount, you still need to shop around to verify if the discount is saving money. You may still be able to find better rates even if you have your coverage with different companies
Premiums are high for teenagers – Older, more experienced drivers are shown to be more cautious, tend to file fewer claims and get fewer tickets.Inexperience drivers tend to get distracted easily when behind the wheel therefore insurance rates are much higher.

You are unique and your car insurance should be too

When it comes to buying the best car insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions can aid in determining whether you might need professional guidance.

Do I need to file an SR-22 for a DUI in my state?
Am I covered if I hit my neighbor’s mailbox?
Am I covered when driving a rental car?
Is my cargo covered for damage or theft?
Can I drive in Mexico and have coverage?
What if I don’t agree with a claim settlement offer?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Well known brands might not be cheapest

Consumers can’t ignore all the ads for cheaper insurance by State Farm, Allstate and Geico. They all seem to make the promise that drivers can save some big amount just by switching your policy.

How does every insurance company cost less than your current company? You have to listen carefully.

Most companies have specific guidelines for the driver that will most likely be profitable. One example of this type of driver may be between the ages of 40 and 55, has no tickets, and drives a car with an anti-theft system. A driver who fits that profile will probably get cheap car insurance rates and have a good chance to pay quite a bit less when switching companies.

Potential insureds who fall short of this ideal profile will be charged more expensive rates and ends up with the customer not purchasing. The trick is to say “drivers that switch” not “everyone who quotes” can get the lowest rates when switching. That is how insurance companies can confidently make it sound like they have such great car insurance rates. Because of this risk profiling, you absolutely need to do a price quote comparison at every renewal. It’s just too difficult to predict with any certainty which company will have the lowest rates for your situation.

Coverages available on your policy

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on the average insurance policy.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Collision insurance

Collision coverage covers damage to your Express resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a parking meter, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a deer, falling objects and fire damage. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability coverage

This protects you from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, medical services and structural damage. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for expenses such as pain medications, rehabilitation expenses, hospital visits and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Save your cold hard cash

We covered quite a bit of information on how to shop for 2016 Chevy Express insurance online. The key concept to understand is the more rate quotes you have, the better your chances of lowering your prices. Drivers may discover the lowest priced insurance comes from the smaller companies. They can often provide lower prices in certain areas as compared to the big name companies such as Allstate, Geico and Progressive.

As you go through the steps to switch your coverage, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where someone dropped comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. Your goal is to buy enough coverage at the best price, but don’t skip important coverages to save money.