Compare 2002 Chevrolet Express Car Insurance Rates

Want better car insurance rates for your Chevrolet Express? Overpriced Chevrolet Express insurance can take a big chunk out of your checking account and put the squeeze on your family’s finances. Comparison shopping is free, only takes a few minutes, and is a good way to help make ends meet.

Many auto insurance companies vie to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the cheapest price

You need to take a look at other company’s rates at least once a year because prices are variable and change quite frequently. Just because you had the best deal for Express coverage two years ago you will most likely find a better rate today. Block out anything you think you know about car insurance because we’re going to demonstrate how to use the internet to find better coverage at a better price.

Chevy Express insurance rates have many determining factors

An important part of buying insurance is that you know the different types of things that go into determining your car insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that may reward you with lower car insurance prices.

Listed below are some of the items companies use to determine rates.

  • Keep rates low by being claim-free – Auto insurance companies provide cheaper rates to policyholders who do not file claims often. If you tend to file frequent claims, you can look forward to higher rates. Insurance coverage is intended to be relied upon for larger claims.
  • Your job and insurance rates – Occupations like real estate brokers, business owners and stock brokers tend to pay the highest rates because of job stress and long work days. On the other hand, jobs such as scientists, students and retirees have the lowest average rates for Express coverage.
  • Choose a safe vehicle and save – Vehicles with high crash test scores are cheaper to insure. Safer cars protect occupants better and better occupant protection translates into savings for insurance companies and thus lower rates. If your Chevy has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Your car’s features help determine rates – Purchasing a vehicle with a theft deterrent system can help lower your rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.
  • Where you live is a factor – Being located in a rural area has it’s advantages when insuring your vehicles. Fewer drivers means reduced accidents and also fewer theft and vandalism claims. Drivers who live in large cities regularly have congested traffic and longer commute times. Higher commute times means higher likelihood of an accident.
  • Men are more aggressive – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean women are better drivers. They both have accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically have more aggressive citations such as DWI and reckless driving.
  • Teen drivers pay high rates – Teenage drivers have a tendency to get distracted easily in a vehicle so car insurance rates are higher. Mature drivers are more responsible, statistically cause fewer accidents and receive fewer citations.

The quickest way to compare insurance rates from multiple companies is to realize auto insurance companies allow for online access to give rate comparisons. The one thing you need to do is provide the companies a bit of rating information such as how much education you have, how much you drive, whether the vehicles are used for commuting, and the year, make and model of vehicles. The rating information is then submitted to many highly-rated insurers and you get price estimates with very little delay.

These discounts can lower your rates

Car insurance companies do not advertise every available discount very clearly, so we took the time to find both well-publicized as well as the least known savings tricks you should be using.

  • Distant Student – Youth drivers who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Homeowners Savings – Being a homeowner may trigger a auto insurance policy discount because maintaining a house demonstrates responsibility.
  • Employee of Federal Government – Simply working for the federal government may qualify you for a discount for Express coverage with select insurance companies.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you will save 10% to 20% off each policy.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • One Accident Forgiven – Some insurance companies allow you one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Multiple Cars – Insuring all your vehicles on one policy could earn a price break for each car.
  • Air Bag Discount – Factory air bags or automatic seat belts can qualify for discounts of more than 20%.

Keep in mind that some credits don’t apply to all coverage premiums. Some only apply to specific coverage prices like comprehensive or collision. Just because you may think all those discounts means the company will pay you, you’re out of luck.

A partial list of companies who might offer these discounts may include but are not limited to:

Check with each insurance company what discounts are available to you. Discounts may not be available in every state.

Different people need different coverages

When it comes to choosing proper insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that may help you determine if your insurance needs would benefit from professional advice.

  • Can I still get insurance after a DUI?
  • Who is covered when they drive my 2002 Chevy Express?
  • How much liability coverage do I need in my state?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do all my vehicles need collision coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What companies insure drivers after a DUI or DWI?
  • Does liability extend to a camper or trailer?
  • Am I covered when using my vehicle for business?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

What car insurance coverages do you need?

Knowing the specifics of your policy aids in choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be confusing and nobody wants to actually read their policy. Listed below are typical coverages found on the average car insurance policy.

Liability coverage

This coverage will cover damage that occurs to a person or their property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover 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 values of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like medical expenses, loss of income, funeral expenses, pain and suffering and legal defense fees. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Comprehensive coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from a tornado or hurricane, a tree branch falling on your vehicle, hitting a bird and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

Collision insurance covers damage to your Express from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, driving through your garage door and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like surgery, pain medications, rehabilitation expenses and nursing services. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Chevy Express.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Buy online or local, you save

We just showed you many ideas to lower your 2002 Chevy Express insurance rates. The key concept to understand is the more providers you compare, the better chance you’ll have of finding lower rates. You may even discover the biggest savings come from some of the lesser-known companies. Smaller companies can often provide lower rates in certain areas than the large multi-state companies such as Progressive or Geico.

The cheapest insurance is possible from both online companies in addition to many insurance agents, so you should compare both to get a complete price analysis. Some companies do not provide you the ability to get quotes online and these small, regional companies work with independent agents.

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