2015 Chevrolet Express Insurance Cost – 8 Tricks for Cheapest Prices

Shoppers have many options when shopping for affordable Chevy Express insurance. You can either waste hours driving around trying to get quotes or utilize the internet to make rate comparisons.

There are more efficient ways to find insurance online and we’ll show you the absolute fastest way to get price quotes for a new or used Chevy and obtain the cheapest rates from both online companies and local agents.

It’s a good habit to do rate comparisons quite often since rates fluctuate regularly. If you had the lowest rates for Express coverage a couple years back there may be better deals available now. So just forget all the misinformation about insurance because you’re about to learn how to quote online to reduce your cost while increasing coverage.

The purpose of this post is to introduce you to how to get online quotes and some tips to save money. If you are paying for car insurance now, you will be able to cut costs considerably using these tips. Vehicle owners just need to know the most efficient way to compare rates on the web.

Quick Insurance Quotes

Reducing your 2015 Chevy Express insurance rates can be quick and easy. Consumers just need to spend a little time comparing price quotes online with multiple companies. It is quite easy and can be accomplished in a couple of different ways.

Probably the best way to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This form keeps you from doing boring form submissions for each company you want a rate for. One form submission will get you price quotes from multiple companies. It’s the fastest way to compare.

A more difficult way to analyze rates requires a trip to each company’s website and request a quote. For example, let’s assume you want to compare rates from Farmers, Liberty Mutual and Allstate. You would have to spend time on each company’s site to input your insurance information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

The hardest method to get comparison rates is to drive around to local insurance agencies. Shopping for insurance online has reduced the need for local agents unless you want the personal advice of a licensed agent. It is possible to get prices online and get advice from an agent in your area. We’ll cover that shortly.

Which method you use is up to you, but ensure you’re using the exact same quote information for each price quote. If your comparisons have unequal deductibles or liability limits it will be impossible to determine the best price for your Chevy Express.

Do you qualify for a discount?

Insuring your vehicles can cost a lot, but you can get discounts to help bring down the price. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be specifically requested before you will receive the discount. If you’re not getting every credit you deserve, you are throwing money away.

  • Payment Discounts – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase life insurance.
  • Safe Drivers – Insureds without accidents may receive a discount up to 45% less for Express coverage than less cautious drivers.
  • Senior Citizens – Mature drivers may qualify for a small decrease in premiums for Express coverage.
  • Bundle and Save – When you have multiple policies with the same insurance company you may earn at least 10% off all policies.
  • Sign Online – A few companies will give a small break for buying your policy online.
  • Accident Free – Drivers with accident-free driving histories pay less as compared to drivers who are more careless.
  • Homeowners Savings – Owning a home may earn you a small savings because maintaining a house is proof that your finances are in order.

It’s important to understand that some of the credits will not apply to your bottom line cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, car insurance companies aren’t that generous. Any amount of discount will reduce your premiums.

For a list of insurance companies with the best car insurance discounts, follow this link.

What coverages do I need?

When it comes to buying the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Every insured’s situation is different.

For example, these questions could help you determine whether you might need an agent’s assistance.

  • Do I need roadside assistance coverage?
  • Is my Chevy Express covered if I use it for business?
  • What can I do if my company denied a claim?
  • Does my policy pay for OEM or aftermarket parts?
  • Does my car insurance cover rental cars?
  • When should I remove comp and collision on my 2015 Chevy Express?
  • Do all my vehicles need collision coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Exactly who is provided coverage by my policy?
  • How does medical payments coverage work?

If you don’t know the answers to these questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Auto insurance coverage basics

Having a good grasp of auto insurance can help you determine which coverages you need at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like driving through your garage door, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Medical expense coverage

Med pay and PIP coverage provide coverage for short-term medical expenses such as hospital visits, EMT expenses, dental work and nursing services. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

This coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as emergency aid, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive protection

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like vandalism, a broken windshield, hail damage, hitting a bird and falling objects. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for 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 very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Shop. Compare. Save.

Throughout this article, we presented a lot of tips how to compare 2015 Chevy Express insurance prices online. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. Consumers may even find the most savings is with a smaller regional carrier.

When you buy insurance online, don’t be tempted to skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. Your goal should be to buy enough coverage at the best price while not skimping on critical coverages.

Drivers leave their current company for a variety of reasons including extreme rates for teen drivers, poor customer service, high prices or even delays in responding to claim requests. No matter why you want to switch, choosing a new insurance company can be easier than you think.

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