2014 Chevrolet Express Insurance Rates

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me when I say there are a lot of people just like you who feel imprisoned by their car insurance policy. Numerous insurance companies battle for your business, and it can be difficult to compare rates and get the best coverage at the lowest price

You need to take a look at other company’s rates occasionally because prices change regularly. Just because you found the lowest price on Express coverage a year ago you may be paying too much now. There is a lot of bad advice regarding car insurance online but I’m going to show you some excellent ideas to stop overpaying for insurance.

Automobile Insurance Quotes

Getting a lower price on 2014 Chevy Express insurance is actually quite simple. Drivers just need to spend a few minutes comparing rate quotes online with multiple companies. This is very easy and can be done in just a few minutes using one of these methods.

The most efficient way to find the lowest comparison rates is an all-inclusive rate comparison click to view form in new window. This easy form eliminates the need for separate quote forms for every insurance company. A single, simple form will return quotes from many national carriers.
A slightly less efficient method to compare rate quotes requires a trip to each company website and complete a new quote form. For examples sake, let’s say you want rates from Allstate, 21st Century and Liberty Mutual. To find out each rate you need to go to every website to enter your coverage information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

It’s your choice how you get your quotes, but make absolute certain that you use exactly the same coverage limits with every price quote. If each company quotes higher or lower deductibles it will be impossible to make an equal comparison.

These discounts can slash insurance rates

Car insurance can cost a lot, but you can get discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be manually applied prior to receiving the credit. If you don’t get every credit available, you are throwing money away.

Bundle and Save – When you have multiple policies with the same insurance company you will save at least 10% off all policies.
Good Student – Performing well in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.
Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
Student in College – Youth drivers living away from home attending college and do not have a car can receive lower rates.
Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
Air Bag Discount – Vehicles with factory air bags may earn rate discounts of more than 20%.
Drive Less and Save – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
Accident Free – Good drivers with no accidents pay much less compared to frequent claim filers.
Discount for New Cars – Insuring a new car can cost up to 25% less since new cars are generally safer.

Consumers should know that some of the credits will not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like you could get a free insurance policy, companies wouldn’t make money that way. But all discounts will reduce your premiums.

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

When might I need the advice of an agent?

When choosing coverage, there really is no “best” method to buy coverage. Every situation is different so this has to be addressed. Here are some questions about coverages that may help highlight if your insurance needs would benefit from professional advice.

Should I buy only the required minimum liability coverage?
Is extra glass coverage worth it?
Which companies will insure high-risk drivers?
Is business equipment covered while in my vehicle?
Does having multiple vehicles earn me a discount?
Does my car insurance cover rental cars?
Can I afford low physical damage deductibles?
I don’t drive much so do I pay less?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Chevy Express insurance rates consist of many parts

It’s important that you understand some of the elements that play a part in calculating insurance rates. Having a good understanding of what influences your rates enables informed choices that will entitle you to big savings.

Equipment add-ons that lower insurance rates – Choosing a vehicle with a theft deterrent system can save you a little every year. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.
Bump up deductibles to save – Your deductibles define the amount you are willing to pay out-of-pocket in the event of a claim. Physical damage insurance, also known as collision and other-than-collision, protects your car from damage. Examples of covered claims could be running into the backend of another car, damage from fire, and burglary. The more you’re willing to pay, the lower your rates will be on Express coverage.
Your occupation can affect rates – Did you know your occupation can influence how much you pay for insurance? Occupations like real estate brokers, social workers and financial analysts are shown to have higher average rates attributed to high stress and long work hours. Conversely, professions such as scientists, engineers and performers pay the least on Express coverage.
Do you qualify for a multi-policy discount? – Some insurers provide better rates to policyholders who carry more than one policy. It’s known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even with this discount, it’s in your best interest to shop around to confirm you are receiving the best rates possible. Drivers may still find better rates by splitting coverages up.
Big city or small town – Being located in a small town has it’s advantages when buying insurance. Drivers who live in large cities have congested traffic and longer commutes to work. Less people living in that area translates into fewer accidents.
High credit ratings translate to low rates – A driver’s credit score is a important factor in determining your rates. People with high credit ratings tend to be more responsible than those with lower credit scores. If your credit score is low, you could potentially save money when insuring your 2014 Chevrolet Express by spending a little time repairing your credit.

Switch companies and save? Really?

Drivers can’t get away from ads for the lowest price auto insurance from companies such as Allstate, Geico and Progressive. All the companies make the same claim that you’ll save big if you switch your policy.

How does each company say the same thing?

All companies have a certain “appetite” for the driver they prefer to insure. For example, a preferred risk might be between 30 and 50, has no prior claims, and has a short commute. A driver who meets those qualifications receives the best rates and is almost guaranteed to pay quite a bit less when switching companies.

Drivers who don’t qualify for the requirements will be quoted higher prices which usually ends up with business not being written. The ads state “customers who switch” not “everyone that quotes” save that much. That’s the way insurance companies can make those claims.

This emphasizes why you need to get quotes from several different companies. It’s not possible to predict which insurance companies will have the lowest Chevy Express insurance rates.

Car insurance 101

Having a good grasp of your auto insurance policy can help you determine the right coverages and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. These are typical coverage types found on most auto insurance policies.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like surgery, ambulance fees and prosthetic devices. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage covers 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 coverage protects against things such as rock chips in glass, damage from a tornado or hurricane and vandalism. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto collision coverage

This coverage covers damage to your Express from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a mailbox, rolling your car and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Liability car insurance

This can cover injuries or damage you cause to people or other property. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as court costs, attorney fees and medical services. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Chevy Express.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Do the work, save more money

When trying to cut insurance costs, don’t be tempted to reduce needed coverages to save money. In too many instances, an insured dropped physical damage coverage only to regret at claim time that the savings was not a smart move. Your focus should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

Affordable 2014 Chevy Express insurance can be bought from both online companies in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies do not provide online price quotes and these smaller companies work with independent agents.