2016 Chevrolet Express Insurance Rates – 7 Policy Discounts

Nobody that owns a car likes paying for auto insurance, especially when they know they could find better rates elsewhere. Many auto insurance companies vie for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies and get the best coverage at the best rates possible.

If you have insurance now or are just looking to switch companies, you can use these techniques to find the best rates and possibly find even better coverage. Finding the best rates is not rocket science. Consumers only need an understanding of the tricks to shop their coverage around online.

The method we recommend to compare insurance rates from multiple companies is to know the trick most of the bigger providers pay for the opportunity to compare their rates. All consumers are required to do is take a few minutes to give details like whether your vehicle is owned or leased, your credit rating estimate, what your job is, and if it has an anti-theft system. The data gets sent immediately to insurance companies and they return rate quotes within a short period of time.

Auto insurance rates and discounts

Companies that sell car insurance don’t always list their entire list of discounts in a way that’s easy to find, so the list below details a few of the more common and also the lesser-known auto insurance savings.

  • Federal Government Employee – Active or retired federal employment could qualify for a slight premium decrease for Express coverage with certain companies.
  • Telematics Data Discounts – Insureds who allow their auto insurance company to scrutinize vehicle usage remotely such as Progressive’s Snapshot could see a rate decrease as long as they are good drivers.
  • Good Driver Discount – Drivers without accidents can pay as much as 50% less for Express coverage than drivers with accidents.
  • Accident Forgiveness – This isn’t a discount exactly, but certain companies permit an accident without raising rates so long as you are claim-free before the accident.
  • Discounts for New Vehicles – Insuring a vehicle that is new is cheaper because newer models have to meet stringent safety requirements.
  • Clubs and Organizations – Having an affiliation with qualifying clubs or civic groups could qualify you for a break when shopping for auto insurance.
  • Home Ownership Discount – Simply owning a home may trigger a policy discount on auto insurance because owning a home means you have a higher level of financial diligence.

As is typical with insurance, most discounts do not apply to your bottom line cost. Some only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, that’s just not realistic. But any discount will lower the cost of your policy.

A list of auto insurance companies and some of their more popular discounts are shown below.

  • State Farm offers discounts including driver’s education, multiple policy, multiple autos, good driver, and defensive driving training.
  • Farmers Insurance discounts include pay in full, alternative fuel, homeowner, distant student, and good student.
  • Progressive may include discounts for homeowner, multi-policy, good student, multi-vehicle, online quote discount, and continuous coverage.
  • Geico includes discounts for anti-lock brakes, anti-theft, multi-vehicle, good student, daytime running lights, and multi-policy.
  • Auto-Owners Insurance has discounts for company car, student away at school, anti-theft, multi-policy, safe driver, anti-lock brakes, and group or association.
  • The Hartford policyholders can earn discounts including bundle, defensive driver, driver training, anti-theft, vehicle fuel type, air bag, and good student.
  • Farm Bureau offers premium reductions for 55 and retired, safe driver, youthful driver, multi-policy, good student, and driver training.
  • USAA offers discounts for safe driver, vehicle storage, driver training, family discount, multi-vehicle, and good student.

Before you buy a policy, ask every company which discounts they offer. Depending on the company, some discounts may not be available in your area. To view insurance companies who offer online auto insurance quotes, click this link.

Situations that may require an agent’s advice

When choosing coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every situation is different so this has to be addressed. For example, these questions may help you determine whether your personal situation might need an agent’s assistance.

  • Why am I required to get a high-risk car insurance policy?
  • Are my friends covered when driving my 2016 Chevy Express?
  • Why do I only qualify for high-risk insurance?
  • Do I need PIP coverage since I have good health insurance?
  • Do I need more liability coverage?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered if I wreck a rental car?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Auto insurance coverage specifics

Understanding the coverages of auto insurance can be of help when determining appropriate coverage for your vehicles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on most auto insurance policies.

Collision – Collision coverage will pay to fix damage to your Express from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with a tree, driving through your garage door and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for ambulance fees, prosthetic devices, hospital visits and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Coverage for liability – Liability coverage can cover damage that occurs to other people or property in an accident. It protects YOU against other people’s claims. 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 might see values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like legal defense fees, attorney fees, pain and suffering, funeral expenses and emergency aid. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage – This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from flooding, theft and vandalism. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Normally these coverages do not exceed the liability coverage limits.

A fool and his money are soon parted

In this article, we presented many ways to compare 2016 Chevy Express insurance premium rates online. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Consumers may even find the lowest premium rates come from a small local company. Some small companies may have significantly lower prices on certain market segments compared to the large companies like State Farm or Progressive.

When you buy insurance online, never buy poor coverage just to save money. In too many instances, someone dropped collision coverage and discovered at claim time that it was a big mistake. The aim is to get the best coverage possible at an affordable rate while not skimping on critical coverages.

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