1998 Chevrolet Express Car Insurance Rates – 8 Ideas for Best Quotes

Are you tired of being strong-armed each month for car insurance? Your situation is no different than millions of other consumers. Since consumers have many auto insurance companies to choose from, it is very difficult to locate the most affordable company.

It’s important to shop coverage around before your policy renews due to the fact that insurance rates are constantly changing. Just because you had the best rates on Express coverage six months ago you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because you’re about to learn the right way to reduce your cost while improving coverage.

Finding cheaper protection is simple if you know the tricks. If you have a policy now or need a new policy, you will benefit by learning to get lower rates while maximizing coverage. Consumers just need to know the proper methods to compare company rates over the internet.

Insurance Coverage Comparison Rates

Shopping for lower insurance coverage rates can take hours if you don’t understand the most efficient way. You can waste a few hours (or days) talking to agents in your area, or you could use the web to achieve your goal.

Many insurance companies are enrolled in a marketplace where prospective buyers complete one form, and each participating company returns a competitive quote based on the submitted data. This system prevents you from having to do quotation requests to each company.

To fill out one form to compare multiple rates now click here (opens in new window).

The one disadvantage to using this type of form is you are unable to specify the companies you want to price. If you would rather choose specific insurance companies to compare rates, we have a page of companies who write insurance coverage in your area. View list of insurance companies.

However you get your quotes, double check that you are using exactly the same coverage limits and deductibles for each price quote. If you have different limits and deductibles on each one it’s not possible to determine the best price for your Chevy Express.

Tailor your coverage to you

When it comes to buying the best insurance coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions may help you determine if your situation might need an agent’s assistance.

  • Does my medical payments coverage pay my health insurance deductible?
  • What can I do if my company denied a claim?
  • How high should deductibles be on a 1998 Chevy Express?
  • What if I total my 1998 Chevy Express and owe more than it’s worth?
  • Does my personal policy cover me when driving out-of-state?
  • Is a fancy paint job covered?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Learn about insurance coverages for a Chevy Express

Learning about specific coverages of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average insurance policy.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, vandalism and falling objects. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a parking meter, colliding with another moving vehicle, scraping a guard rail and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

UM/UIM Coverage

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Chevy Express.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for prosthetic devices, X-ray expenses, chiropractic care, rehabilitation expenses and dental work. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Liability coverages

Liability insurance protects you from injuries or damage you cause to other’s property or people in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as repair bills for other people’s vehicles, attorney fees, medical expenses, medical services and pain and suffering. How much liability should you purchase? That is up to you, but buy as large an amount as possible.