View 2017 Chevrolet Express Insurance Rates

Having to pay for overpriced Chevrolet Express insurance can empty your personal savings and force you to make sacrifices. Shopping your coverage around is free and is an excellent way to make ends meet.

People have so many insurance companies to pick from, and even though it’s nice to be able to choose, it makes it harder to compare company pricing.

Finding affordable coverage is easy if you know what you’re doing. If you are paying for car insurance now, you should be able to reduce your rates substantially using these tips. But car owners do need to know how big insurance companies price online insurance because it can help you find the best coverage.

The cheapest car insurance quotes online

When shopping for cheaper auto insurance quotes, there are a couple of ways to get quotes from many car insurance companies in your state. The quickest method to lower the rate you pay for Chevy Express insurance is to get quotes online. It’s really quite simple and can be done in a couple of different ways.

  1. The most efficient way consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This easy form prevents you from having to do separate forms for each price estimate. One form submission will get you price quotes from multiple companies.
  2. A slightly less efficient method to compare rate quotes is going to the website for every company you want to comare to request a price quote. For examples sake, we’ll pretend you want to compare Auto-Owners, Allstate and Liberty Mutual. You would be required to take the time to go to each site and punch in your information repeatedly, which can get old fast.

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

  3. The least efficient and most time consuming method to get comparison rates is to waste gas driving to different agent offices. The ability to buy insurance online eliminates this option unless you want the professional assistance that you can only get from talking to an agent. Some companies do allow you to get the lowest quotes online and get advice from an agent in your area.

Whichever way you use, be certain you are entering nearly identical coverage data for each comparison quote. If you compare higher or lower deductibles it will be impossible to determine the best price for your Chevy Express. Having just a slight variation in coverages could mean much higher rates. Just keep in mind that comparing a wide range of rates will increase your chances of finding a lower rate. Some insurance companies are not set up to provide quotes online, so it’s important to also get rates on coverage from those companies, too.

Car insurance buyers beware

Respected companies like Geico, State Farm and Progressive seem to constantly run television, radio, and online ads. All the ads make the same claim of big savings if you change your coverage to them. It sounds good, but how can they all charge you less for auto insurance? Just pay attention to how they say it.

Insurance companies can use profiling for the type of driver that is profitable for them. An example of a driver they prefer may need to be over the age of 45, has never had a policy lapse, and drives a lower-performance vehicle. A customer getting a price quote that hits that “sweet spot” receive the lowest rate quotes and will probably save when they switch companies.

Insureds who may not quite match those standards may be required to pay higher premiums and the customer buying from someone else. If you listen to the ad wording, they say “drivers who switch” not “everyone that quotes” save that much money. That’s why companies can make the claims of big savings. Different companies use different criteria so you absolutely need to quote coverage with many companies. Because without a comparison, you cannot know with any certainty which company will have the best premium rates for your profile.

You may qualify for discounts

Car insurance companies don’t always publicize every disount available very well, so below is a list both the well known and also the more inconspicuous discounts that you can inquire about if you buy auto insurance online.

  • ABS and Traction Control Discounts – Cars that have steering control and anti-lock brakes have fewer accidents and qualify for as much as a 10% discount.
  • New Car Discount – Buying a new car model can cost up to 25% less since newer models are generally safer.
  • Telematics Discount – Drivers who elect to allow data collection to scrutinize where and when they drive by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if their driving habits are good.
  • Theft Deterent Discount – Cars and trucks equipped with anti-theft or alarm systems help deter theft and can earn a small discount on your policy.
  • One Accident Forgiven – Not really a discount, but certain companies will turn a blind eye to one accident before raising your premiums as long as you don’t have any claims for a set time period.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts may get savings of 25 to 30%.
  • Sign Online – Some of the larger companies will discount your bill up to fifty bucks get auto insurance on their website.
  • Military Discounts – Being on active duty in the military could mean lower prices.
  • Early Switch Discount – Some companies reward drivers for switching policies early. It could save around 10% when you buy auto insurance online.
  • Own a Home and Save – Just being a homeowner can earn you a little savings due to the fact that maintaining a home is proof that your finances are in order.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way. But any discount will reduce the amount you have to pay.

A partial list of companies that may offer quotes with most of the discounts above are:

If you need affordable auto insurance quotes, ask every prospective company which discounts can lower your rates. Some credits might not be available to policyholders in your area. To see a list of insurance companies who offer free insurance coverage quotes, click this link.

There’s no such thing as the perfect insurance coverage policy

When buying the right insurance coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether or not you might need an agent’s assistance.

  • Is my dog or cat covered if injured in an accident?
  • Is my teen driver covered when they drive my company car?
  • Is upholstery damage covered by car insurance?
  • Does coverage extend to a rental car in a foreign country?
  • What is UM/UIM insurance?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Which companies will insure high-risk drivers?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Specifics of your auto insurance policy

Knowing the specifics of your policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types available from auto insurance companies.

Liability auto insurance

Liability insurance will cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as repair bills for other people’s vehicles, emergency aid, funeral expenses, medical services and court costs. How much coverage you buy is your choice, but consider buying higher limits if possible.

Uninsured and underinsured coverage

This gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like nursing services, doctor visits and hospital visits. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive coverages

This covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, falling objects and theft. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision insurance pays for damage to your Express caused by 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 coverage pays for things like colliding with another moving vehicle, hitting a parking meter, crashing into a ditch, rolling your car and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Quote more, save more

Lower-priced car insurance is possible both online and from local agencies, so you need to quote auto insurance with both in order to have the best price selection to choose from. Some insurance companies do not provide rate quotes online and most of the time these smaller companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, you should never buy poor coverage just to save money. In many cases, an insured cut collision coverage and learned later that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.

We just covered a lot of ways to compare 2017 Chevy Express insurance auto insurance rates online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding cheaper auto insurance. Consumers may even find the lowest priced car insurance comes from an unexpected company. Smaller companies may have significantly lower premium rates on certain market segments compared to the large companies like Allstate or State Farm.

Additional car insurance information is available below: