How Much Does 1999 Chevrolet Express Insurance Cost?

Nobody likes paying for insurance, especially when their premiums are through the roof.

With so many different company options, it can be hard to find the lowest price car insurance company.

Consumers should take time to get comparison quotes yearly due to the fact that insurance rates are adjusted regularly by insurance companies. Just because you found the best rates for Express coverage a couple years back a different company probably has better rates today. There is a lot of bad information regarding insurance online but I’m going to show you some good information on how to put money back in your pocket.

Buying car insurance is easy if you know what you’re doing. If you have car insurance now, you should be able to reduce your rates substantially using this strategy. Nevertheless, drivers need to have an understanding of how insurance companies determine prices and take advantage of how the system works.

Insurance Coverage Prices

There are a lot of ways to compare insurance coverage prices but there is one way that is easier and takes less work. You can waste a few hours (or days) driving to insurance agencies in your area, or you could save time and use online quotes to get pricing more quickly.

Most major companies participate in a marketplace that enables customers to complete one form, and each company then gives them pricing for coverage. This saves time by eliminating form submissions to each individual insurance coverage company.

To get comparison pricing now click here to open in new window.

The only downside to using this type of system is buyers cannot specifically choose which carriers to get pricing from. If you would rather choose specific providers to compare, we have assembled a list of the cheapest insurance coverage companies in your area. Click to view list.

It’s up to you how you get prices quotes, just compare identical coverages and limits for each price quote. If you are comparing differing limits it’s not possible to make a fair comparison for your Chevy Express. Slightly different limits can result in a big premium difference. And when comparing insurance coverage rates, know that quoting more will enable you to find a better price.

Discounts on 1999 Chevy Express insurance

Car insurance companies don’t list every available discount very well, so here is a list some of the best known and the harder-to-find discounts you could be receiving.

  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less for Express coverage than drivers with accidents.
  • One Accident Forgiven – Certain companies allow you one accident before your rates go up if you are claim-free prior to the accident.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt could save 15% off your PIP or medical payments premium.
  • E-sign – A few companies give back up to $50 just for signing your application online.
  • Multiple Cars – Insuring all your vehicles with the same company can get a discount on all vehicles.
  • Early Switch Discount – A few companies offer discounts for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • No Claims – Drivers who don’t have accidents pay less as compared to bad drivers.

A little note about advertised discounts, many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way.

Companies that possibly offer these discounts are:

It’s a good idea to ask each insurance company what discounts are available to you. All car insurance discounts might not be offered in your area.

Tailor your coverage to you

When choosing adequate coverage for your vehicles, there really is no perfect coverage plan. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help highlight if your situation may require specific advice.

  • Am I covered when driving on a suspended license?
  • Where can I find high-risk insurance?
  • Are split liability limits better than a combined single limit?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered if I crash into my own garage door?
  • Does liability extend to a camper or trailer?

If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Coverages available on your policy

Learning about specific coverages of your auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages found on most auto insurance policies.

Collision protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as hitting a mailbox, sideswiping another vehicle, backing into a parked car and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, a tree branch falling on your vehicle, vandalism and a broken windshield. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense insurance

Med pay and PIP coverage reimburse you for expenses like ambulance fees, X-ray expenses and dental work. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability coverage can cover damage that occurs to a person or their property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like court costs, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Chevy Express.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.