Lower Your 2003 Chevrolet Express Car Insurance Quotes

Are you intimidated by the sheer number of auto insurance company choices? You have a lot of company. Consumers have so many companies to choose from that it can quickly become a challenge to find the best price.

You need to compare rates occasionally because insurance rates are variable and change quite frequently. Even if you got the best price for Express insurance a couple years back you may be paying too much now. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to one of the best ways to save money, get proper deductibles and limits, all at the lowest rate.

Locating the lowest cost insurance coverage coverage is not that difficult. Just about everyone who has to buy insurance coverage most likely will be able to find better rates. Nevertheless, vehicle owners must learn the methods companies use to compete online.

Compare the Market for Auto Insurance

Most major insurance companies give price estimates directly from their websites. This process is fairly straightforward as you simply enter your coverage information into a form. Once you submit the form, the company’s rating system requests information on your driving record and credit history and returns a price quote.

Online price quotes makes comparing rates easy, but the time it takes to visit many different websites and type in the same information can get tiresome after awhile. But it’s absolutely necessary to compare as many rates as possible if you are searching for a lower rate.

Rate comparisons made easy

A more efficient way to lower your rates utilizes a single form that obtains quotes from more than one company. It saves time, eliminates form submissions, and makes comparison shopping much more enjoyable and efficient. After sending the form, it gets priced and you can select any or none of the returned quotes.

If a lower price is quoted, you can simply submit the application and buy the new coverage. This process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

In order to compare rates now, click here to open in new window and fill out the form. If you have your current policy handy, we recommend you input your coverages identical to your current policy. Doing this guarantees you will receive a fair comparison using the same coverage and limits.

Buyer beware of car insurance advertising tricks

21st Century, Allstate and State Farm consistently run ads in print and on television. All the companies have a common claim about savings if you change your policy. How does each company make almost identical claims? This is how they do it.

All the different companies are able to cherry pick for the right customer that earns them a profit. An example of a preferred risk might be between the ages of 40 and 55, owns a home, and drives less than 7,500 miles a year. A propective insured who meets those qualifications gets the lowest rates and most likely will cut their rates substantially.

Potential customers who are not a match for the “perfect” profile will have to pay a higher premium and this can result in business not being written. The ads state “customers who switch” not “everyone that quotes” save money. This is how insurance companies can confidently state the savings.

Because of the profiling, you should compare as many rates as you can. It’s not possible to predict which company will have the lowest Chevy Express insurance rates.

Policy discounts you shouldn’t miss

Insuring your fleet can be pricey, buy you may qualify for discounts to help bring down the price. A few discounts will automatically apply when you quote, but lesser-known reductions have to be asked for prior to receiving the credit.

  • Own a Home – Being a homeowner can help you save on insurance because maintaining a house shows financial diligence.
  • No Claims – Drivers who don’t have accidents can earn big discounts when compared with accident-prone drivers.
  • Auto/Home Discount – When you have multiple policies with the same company you could get a discount of up to 20% off your total premium.
  • Student in College – Kids in college who are attending college without a vehicle on campus can receive lower rates.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Early Signing – Select companies give a discount for switching to them prior to your current policy expiration. This can save 10% or more.
  • Drive Less and Save – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Senior Discount – If you’re over the age of 55, you may qualify for a discount up to 10% for Express insurance.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Most only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount will reduce the amount you have to pay.

Companies that may have these money-saving discounts include:

Check with all companies you are considering what discounts are available to you. All car insurance discounts might not be offered in every state.

Insurance agents can help

When buying adequate coverage, there really is not a perfect coverage plan. Each situation is unique.

Here are some questions about coverages that might help in determining whether your personal situation would benefit from an agent’s advice.

  • Is motorclub coverage worth it?
  • Is my teen driver covered when they drive my company car?
  • Is my 2003 Chevy Express covered for smoke damage?
  • Are rental cars covered under my policy?
  • Do I have coverage when using my vehicle for my home business?
  • What is no-fault insurance?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, complete this form.

Coverages available on your auto insurance policy

Understanding the coverages of a auto insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, vandalism, theft, falling objects and hail damage. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a ditch, hitting a mailbox and backing into a parked car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Liability coverages

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

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like emergency aid, pain and suffering, structural damage, repair bills for other people’s vehicles and loss of income. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Chevy Express.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for surgery, nursing services and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Money doesn’t grow on trees

Low-cost 2003 Chevy Express insurance is definitely available on the web and with local insurance agents, so compare prices from both to have the best rate selection. There are still a few companies who do not offer you the ability to get quotes online and these smaller companies work with independent agents.

Consumers switch companies for a variety of reasons including delays in paying claims, high rates after DUI convictions, unfair underwriting practices and even an unsatisfactory settlement offer. Whatever your reason, choosing a new insurance company can be easy and end up saving you some money.

When trying to cut insurance costs, do not buy poor coverage just to save money. There are a lot of situations where drivers have reduced liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

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