Cheap 2001 Chevrolet Express Insurance Rates

Finding and buying car insurance is not something drivers relish, but it has to be done before you can legally be on the road.

Fast and Easy Car Insurance Quotes

There are multiple methods you can shop for 2001 Chevy Express car insurance but some are easier and takes less work. You can waste a lot of time talking about coverages with agents in your area, or you can utilize the internet to maximize your effort.

Many popular insurance companies take part in a program that allows shoppers to enter their policy data once, and each participating company can provide price quotes based on the submitted data. This saves time by eliminating quote requests for each company.

To submit your quote information now, click to open in new window.

The only drawback to comparing rates this way is you are unable to specify which carriers you will receive quotes from. So if you prefer to pick specific insurance companies to compare, we have assembled a list of car insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make darn sure you compare exactly the same coverages and limits on every quote. If your comparisons have unequal deductibles or liability limits you will not be able to truly determine the lowest rate. Just a small difference in limits could mean much higher rates. And when price shopping your coverage, obtaining a wide range of quotes gives you a better chance of getting the best price.

How to know if you need help

When buying adequate coverage for your vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different.

These are some specific questions may help highlight whether or not you would benefit from an agent’s advice.

• When should I buy a commercial auto policy?
• Can I get a multi-policy discount?
• What should my uninsured motorist coverage limits be in my state?
• If my 2001 Chevy Express is totaled, can I afford another vehicle?
• What discounts do I qualify for?
• What is the minimum liability in my state?
• Does my personal policy cover me when driving out-of-state?
• Can I afford to pay high deductible claims out of pocket?
• What if I total my 2001 Chevy Express and owe more than it’s worth?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance coverage information

Knowing the specifics of your policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Collision coverage – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with another moving vehicle, sideswiping another vehicle, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive coverage – Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from a tornado or hurricane, rock chips in glass and hail damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like X-ray expenses, surgery and dental work. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability car insurance – Liability coverage provides protection from damage or injury you incur to people or other property in an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like bail bonds, structural damage, funeral expenses, court costs and medical services. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle from other motorists when they 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 have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.