How Much Does 2015 Chevrolet City Express Car Insurance Cost?

Looking for better insurance coverage rates? Shoppers have many options when shopping for the best price on Chevy City Express insurance. They can either waste time struggling with agents getting price quotes or utilize the internet to make rate comparisons.

There is a better way to buy insurance coverage and we’ll show you the best way to get price quotes for a new or used Chevy and obtain the best price possible from local insurance agents and online providers.

You need to take a look at other company’s rates occasionally since rates fluctuate regularly. If you had the lowest price for City Express coverage a few years ago there is a good chance you can find better rates now. Forget all the misinformation about insurance coverage because you’re about to find out the quickest way to get good coverage at a lower rate.

The purpose of this article is to help educate you on the best way to quote coverages and some tips to save money. If you currently have car insurance, you should be able to reduce your rates substantially using these tips. Vehicle owners only need to know how to shop for insurance coverage online.

Insurance Coverage Prices Online

There are a lot of ways to shop for insurance coverage, but there is one way that is less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with agents in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

Most major companies belong to a marketplace that allows shoppers to submit their information once, and at least one company provides a quote for coverage. This prevents consumers from doing repetitive form submissions for each company you want a rate for. To get comparison pricing now click to open in new window.

The single downside to using this type of form is you are unable to specify which carriers you want pricing from. So if you prefer to pick specific insurance companies to compare rates, we have a page of the cheapest insurance coverage companies in your area. Click here to view list.

Whichever method you choose, compare identical deductibles and coverage limits on every quote. If you are comparing different values for each quote you will not be able to make an equal comparison.

Cut your premium with discounts

Properly insuring your vehicles can get expensive, but there are discounts available to reduce the price significantly. Larger premium reductions will be automatically applied when you purchase, but some may not be applied and must be specially asked for before being credited. If you’re not getting every credit you deserve, you are throwing money away.

  • Resident Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off for City Express coverage depending on your company.
  • One Accident Forgiven – A few companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy qualifies for this discount.
  • Auto/Life Discount – Some companies give lower rates if you buy a life insurance policy as well.

It’s important to note that some credits don’t apply to the entire policy premium. Most only cut the cost of specific coverages such as liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount will bring down the cost of coverage.

Insurance companies who might offer these benefits include:

Double check with each company how you can save money. Discounts might not be offered in your state.

What is the best insurance coverage?

When buying proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions may help highlight whether or not you would benefit from professional advice.

  • Are rental cars covered under my policy?
  • What is covered by UM/UIM coverage?
  • When can I cancel my policy?
  • How can I get high-risk coverage after a DUI?
  • Is my custom paint covered by insurance?
  • Do I need roadside assistance coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered when driving someone else’s vehicle?
  • Does coverage extend to Mexico or Canada?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance policy coverages for a Chevy City Express

Understanding the coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for bills for chiropractic care, funeral costs and EMT expenses. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Liability coverage

This coverage provides protection from damages or injuries you inflict on people or other property in an accident. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as medical services, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

This covers damage to your City Express from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as rolling your car, scraping a guard rail, colliding with a tree and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from a tornado or hurricane, hail damage, damage from getting keyed and damage from flooding. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Chevy City Express.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.