2000 Chevrolet Express Insurance Quotes – 10 Ways to Save

Scraping up a payment for overpriced Chevrolet Express insurance can take a big chunk out of your personal savings and make it impossible to make ends meet. Doing a price comparison is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away. Companies like State Farm, Allstate, Geico and Progressive continually hit you with fancy advertisements and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.

If you have a policy now or are shopping for new coverage, you will benefit by learning to cut your premiums and still get good coverage. Finding the best rates is not rocket science. Drivers just need to understand the best way to buy car insurance online.

Don’t overlook these ten discounts

Car insurance companies don’t list every discount very well, so here is a list both well-publicized and the more hidden ways to save on insurance coverage. If you don’t get every credit you qualify for, you are throwing money away.

  • Multi-policy Discount – If you have multiple policies with one company you could get a discount of approximately 10% to 15%.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Multi-car Discount – Insuring more than one vehicle with the same company can get a discount on all vehicles.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Payment Method – By paying your policy upfront instead of paying each month you could save up to 5%.
  • Safety Course Discount – Taking a driver safety course could possibly earn you a 5% discount if your company offers it.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • No Accidents – Good drivers with no accidents pay much less compared to bad drivers.

Drivers should understand that many deductions do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way.

Car insurance companies that may have these discounts are:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Discounts may not apply in every state.

Is my situation unique?

When it comes to buying the best auto insurance coverage for your personal vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions may help highlight whether you might need professional guidance.

  • Do I benefit by insuring my home with the same company?
  • Should I buy full coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I pay less for low miles?
  • Is my ex-spouse still covered by my policy?
  • How much liability insurance is required?
  • Is my custom paint covered by insurance?
  • Can my teen driver be rated on a liability-only vehicle?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Car insurance coverage options for a 2000 Chevy Express

Having a good grasp of your policy can help you determine the right coverages for your vehicles. Car insurance terms can be ambiguous and reading a policy is terribly boring. These are typical coverage types offered by car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you 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.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Coverage for liability – Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for claims such as medical services, repair costs for stationary objects, bail bonds and pain and suffering. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Collision coverage – Collision insurance covers damage to your Express caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like damaging your car on a curb, crashing into a ditch and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for short-term medical expenses like nursing services, ambulance fees, doctor visits and X-ray expenses. They can be 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 and will also cover if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Comprehensive auto coverage – This pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, damage from flooding, falling objects, theft and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Save for a rainy day

When trying to cut insurance costs, make sure you don’t reduce coverage to reduce premium. In many cases, an insured cut full coverage only to discover later that the small savings ended up costing them much more. Your aim should be to buy enough coverage at a price you can afford, not the least amount of coverage.

We just presented many tips how you can get a better price on 2000 Chevy Express insurance. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding lower rates. You may even discover the best price on insurance is with the smaller companies. These companies may often insure only within specific states and give getter rates compared to the large companies like Progressive and Geico.

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