Lower Your 1997 Chevrolet Express Insurance Quotes

Looking for cheaper auto insurance rates for your Chevrolet Express? No one looks forward to paying for auto insurance, especially when they are paying too much. Because there are so many insurance companies to choose from, it can be challenging to locate the most cost effective car insurance company.

Discounts are available to cut your rates

Insurance can cost an arm and a leg, but there could be available discounts that you may not even be aware of. Some trigger automatically when you quote, but lesser-known reductions have to be requested specifically prior to receiving the credit. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Government Employees – Active or retired federal employment could cut as much as 10% off on Express coverage depending on your company.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Chevy could be rewarded with lower rates on the low mileage vehicles.
  • One Accident Forgiven – A few companies permit an accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • No Accidents – Drivers who don’t have accidents pay much less compared to frequent claim filers.
  • Clubs and Organizations – Belonging to certain professional organizations may earn a discount when buying auto insurance on Express coverage.
  • Passive Restraint Discount – Vehicles with factory air bags can qualify for discounts of more than 20%.
  • Driver Safety – Completing a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.

Consumers should know that some credits don’t apply to the entire cost. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way. Any amount of discount will reduce the amount you have to pay.

For a list of insurance companies offering auto insurance discounts, follow this link.

Your Chevy Express insurance rate is a complex equation

Smart consumers have a good feel for the different types of things that come into play when calculating the rates you pay for insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that could result in big savings.

The list below includes some of the items used by your company to calculate premiums.

  • Traffic citations inflate rates – Even one speeding ticket may increase your cost by as much as thirty percent. Drivers with clean records receive lower rates than their less careful counterparts. If you have dangerous violations such as hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
  • Marriage pays dividends – Being married can get you a discount on insurance. It translates into being more mature and responsible and statistics show being married results in fewer claims.
  • Males pay more for insurance – Statistics have proven that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. Both sexes tend to get into accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to have more aggressive citations such as DWI and reckless driving.
  • You might want pay the small claims yourself – If you tend to file frequent claims, you can pretty much guarantee higher rates. Companies provide cheaper rates to insureds who are claim-free. Insurance coverage is intended for the large, substantial claims.
  • Drive less and save money – Driving more miles in a year the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage based on how the vehicle is used. Vehicles that are left in the garage qualify for better rates than vehicles that are driven to work every day. Verify your insurance coverage is rated on the proper vehicle usage. Incorrect usage on your Express can result in significantly higher rates.

Everyone needs different coverages

When it comes to choosing coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions could help you determine if your situation might need an agent’s assistance.

  • What exactly is covered by my policy?
  • Is my 1997 Chevy Express covered for smoke damage?
  • Do I have coverage if my license is suspended?
  • Does my 1997 Chevy Express need full coverage?
  • What is PIP insurance?
  • Is my camper covered by my car insurance policy?
  • Where can I find high-risk insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Should I put collision coverage on all my vehicles?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Car insurance ads bend the truth

Consumers get pounded daily by advertisements for car insurance savings from companies such as 21st Century, Allstate and State Farm. They all have a common claim that you can save after switching your policy.

How does each company make the same claim? It’s all in the numbers.

Different companies are able to cherry pick for the type of customer they prefer to insure. An example of a profitable customer could be between 30 and 50, a clean driving record, and has great credit. A driver who fits that profile is entitled to the best price and is almost guaranteed to pay quite a bit less when switching companies.

Drivers who don’t measure up to the requirements must pay more money and ends up with the customer not buying. The ad wording is “customers that switch” not “everybody who quotes” save that much money. That’s the way companies can advertise the way they do.

This illustrates why you should get as many comparisons as possible. It is impossible to predict which car insurance company will give you the biggest savings on Chevy Express insurance.

Coverages available on your policy

Having a good grasp of your policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. These are typical coverage types found on most car insurance policies.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like backing into a parked car, hitting a parking meter, colliding with another moving vehicle, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Chevy Express.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, vandalism, a broken windshield, fire damage and falling objects. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for bills such as ambulance fees, rehabilitation expenses and nursing services. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability auto insurance

Liability insurance can cover damage that occurs to other people or property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like pain and suffering, attorney fees, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Shop around and save

When you buy insurance online, make sure you don’t skimp on coverage in order to save money. There have been many situations where someone sacrificed collision coverage and found out when filing a claim that it was a big error on their part. Your aim should be to find the BEST coverage at a price you can afford, not the least amount of coverage.

Affordable 1997 Chevy Express insurance can be purchased from both online companies as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies don’t offer online price quotes and many times these smaller companies only sell through independent insurance agents.

For more information, feel free to visit these articles: