Compare 1996 Chevrolet Express Insurance Rates

Want lower insurance rates for your Chevrolet Express? Trying to find low-cost insurance for a Chevy Express could be a painful process, but you can use a few tricks to make it easier.

There is a better way to buy insurance and you need to know the best way to compare rates for a new or used Chevy and get the cheapest rates from local insurance agents and online providers.

It’s a good habit to do rate comparisons periodically since insurance rates trend upward over time. Just because you had the lowest price on Express coverage two years ago you will most likely find a better rate today. Forget anything you know (or think you know) about insurance because we’re going to demonstrate one of the easiest ways to eliminate unnecessary coverages and save money.

Low Cost Auto Insurance

Comparing auto insurance rates can be a daunting task if you don’t understand the most efficient way to do it. You can waste a few hours (or days) talking to local insurance agents in your area, or you could save time and use the internet to get pricing more quickly.

Many insurance companies take part in a program that allows shoppers to only type in their quote data once, and at least one company returns a rated price based on that data. This saves time by eliminating repetitive form submissions for each company.

To find out what other companies charge for 1996 Chevy Express insurance click to open in new window.

The one downside to using this type of system is that consumers can’t choose the insurers you will receive quotes from. If you would rather choose specific insurance companies to compare prices, we have assembled a list of the cheapest auto insurance companies in your area. View list of insurance companies.

Whichever method you choose, make sure you use identical quote information with every price quote. If you compare different deductibles it will be next to impossible to determine which rate is truly the best.

Tailor your coverage to you

When it comes to choosing adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different.

These are some specific questions might help in determining if your insurance needs may require specific advice.

• Does my policy cover me when driving someone else’s vehicle?
• What is the rate difference between pleasure use and commuting?
• At what point should I drop full coverage?
• Does my car insurance cover rental cars?
• Am I missing any policy discounts?
• If I drive on a suspended license am I covered?
• Does my medical payments coverage pay my health insurance deductible?
• Do I get a pro-rated refund if I cancel my policy early?
• What is the minimum liability in my state?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Specific coverage details

Knowing the specifics of your policy helps when choosing the right coverages for your vehicles. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for bills for things like hospital visits, rehabilitation expenses and ambulance fees. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability car insurance

This protects you from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from claims by other people. It does not 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 might see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as medical expenses, repair bills for other people’s vehicles and attorney fees. How much coverage you buy is up to you, but buy as much as you can afford.

Collision coverage protection

Collision coverage will pay to fix damage to your Express resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a ditch, crashing into a building, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive coverages

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from getting keyed, hitting a bird, falling objects, theft and rock chips in glass. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Express.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.