Cheap 2013 Chevrolet Express Insurance Quotes

Trying to find the cheapest insurance for a Chevy Express could be an all-consuming task, but you can use our insurance buying tips to make it easier.

There is a better way to find insurance online and you need to know the absolute fastest way to price shop coverage for your Chevy and get the best price possible from local insurance agents and online providers.

You need to shop coverage around every six months because prices change quite often. Despite the fact that you may have had the lowest rates on Express insurance a couple years back the chances are good that you can find a lower rate today. Ignore everything you know about insurance because I’m going to let you in on the secrets to the best methods to find great coverage at a great price.

Are you getting all your discounts?

Insurance can cost an arm and a leg, but there are discounts available to cut the cost considerably. Some trigger automatically at quote time, but some must be asked about before you get the savings. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Student in College – Any of your kids who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Senior Discount – Older drivers may receive better auto insurance rates on Express insurance.
  • Military Discounts – Having a family member in the military could mean lower rates.
  • Accident Forgiveness – A handful of insurance companies allow you one accident without raising rates if your claims history is clear for a set time period.
  • Multi-car Discount – Insuring more than one vehicle with the same company can get a discount on all vehicles.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off on Express insurance with a few auto insurance companies.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.

Keep in mind that many deductions do not apply to the overall cost of the policy. Most only cut individual premiums such as collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, companies don’t profit that way. But any discount will bring down your premiums.

To see a list of companies who offer auto insurance discounts, follow this link.

When might I need an agent?

When buying the right insurance coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining whether or not you would benefit from professional advice.

  • Is there coverage for injuries to my pets?
  • How does medical payments coverage work?
  • Can I get a multi-policy discount?
  • Is a fancy paint job covered?
  • Is my teenager covered with friends in the car?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered if I crash into my own garage door?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Is there truth in advertising?

Consumers can’t get away from ads for car insurance savings from companies such as State Farm, Allstate and Geico. They all seem to make the same claim of big savings if you move your policy.

How can each company make almost identical claims?

Different companies are able to cherry pick for the right customer that earns them a profit. An example of a driver they prefer might be a mature driver, is a homeowner, and drives less than 10,000 miles a year. A driver who fits that profile receives the best rates and as a result will probably save quite a bit of money when switching.

Drivers who fall outside the requirements will be quoted a higher premium and this can result in business not being written. The ads state “people who switch” not “everybody who quotes” save money. That’s the way insurance companies can confidently make the claims of big savings.

This emphasizes why you should get a wide range of price quotes. You cannot predict which company will fit your personal profile best.

Car insurance coverages and their meanings

Having a good grasp of your car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as fire damage, hail damage and hitting a deer. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP pay for bills like ambulance fees, nursing services, rehabilitation expenses, X-ray expenses and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision protection

Collision coverage will pay to fix damage to your Express caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as damaging your car on a curb, hitting a parking meter, rolling your car and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are identical to your policy’s liability coverage.

Auto liability insurance

This coverage will cover damage that occurs to a person or their property. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like structural damage, court costs, loss of income and attorney fees. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Knowledge is power

When buying insurance coverage, never buy less coverage just to save a little money. There have been many situations where drivers have reduced physical damage coverage and discovered at claim time that they should have had better coverage. Your focus should be to buy the best coverage you can find at an affordable rate.

You just read a lot of information how to save on 2013 Chevy Express insurance. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the biggest savings come from an unexpected company.

Discount insurance can be bought on the web and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

More detailed insurance coverage information can be found by following these links: