2017 Chevrolet City Express Insurance Quotes

Searching for better insurance rates for your Chevrolet City Express? Trying to come up with a payment for overpriced insurance can stress out your personal savings and force you to make sacrifices. Comparing cost estimates is recommended to lower your bills every month.

Drivers have multiple auto insurance companies to choose from, and though it is a good thing to have a selection, it can be more challenging to locate the cheapest rates.

Compare free car insurance quotes

There are a lot of ways to shop for car insurance, but some are easier and takes less work. You can waste hours talking to insurance agencies in your area, or you could use the internet to get pricing more quickly.

Many popular insurance companies take part in a program where insurance shoppers only type in their quote data once, and at least one company returns a competitive quote based on that information. This eliminates the need for form submissions for each company.

To find out how much you’re overpaying now click here to start a free quote.

The one downside to comparing rates this way is that consumers can’t choose the providers to get quotes from. So if you prefer to choose specific providers to compare rates, we have assembled a list of the cheapest car insurance companies in your area. Click to view list.

It’s up to you which method you use, but be sure you’re using exactly the same coverage limits with every price quote. If you have different limits and deductibles on each one it will be next to impossible to decipher which rate is best.

Find discounts on insurance coverage

The cost of insuring your cars can be expensive, but there could be significant discounts that you may not even be aware of. A few discounts will automatically apply at the time of purchase, but some must be specially asked for before being credited. If you are not receiving all the discounts you deserve, you are just wasting money.

  • Discount for Life Insurance – Larger insurance companies have lower prices if you buy some life insurance too.
  • Federal Employees – Active or retired federal employment can save as much as 8% on City Express insurance with a few insurance coverage companies.
  • Save with More Vehicles Insured – Purchasing coverage when you have multiple cars on one policy can reduce the rates for all insured vehicles.
  • Low Mileage Discounts – Fewer annual miles on your Chevy could be rewarded with discounted rates on garaged vehicles.
  • Seat Belts Save – Drivers who require all vehicle occupants to buckle up before driving can save up to 15% off the medical payments premium.
  • Discounts for New Vehicles – Adding a new car to your policy is cheaper because new vehicles keep occupants safer.
  • Professional Organizations – Participating in certain professional organizations is a simple method to lower premiums on your policy.
  • Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you can avoid monthly service charges.

Policy discounts save money, but some credits don’t apply to the entire cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, that’s just not realistic.

The best insurance coverage companies and some of the discounts are included below.

  • State Farm offers discounts including defensive driving training, student away at school, anti-theft, multiple autos, and good driver.
  • Progressive has savings for good student, homeowner, continuous coverage, online quote discount, online signing, multi-policy, and multi-vehicle.
  • Progressive offers discounts for multi-vehicle, good student, multi-policy, continuous coverage, homeowner, online signing, and online quote discount.
  • MetLife includes discounts for multi-policy, claim-free, good driver, accident-free, defensive driver, and good student.
  • Farm Bureau may have discounts that include youthful driver, multi-policy, multi-vehicle, good student, safe driver, and driver training.
  • Geico has discounts for good student, multi-policy, emergency military deployment, driver training, and federal employee.
  • SAFECO offers premium reductions for teen safe driver, homeowner, anti-theft, anti-lock brakes, and multi-car.

If you want the cheapest car insurance quotes, ask all companies you are considering which discounts you qualify for. Some credits may not apply in your state. To locate insurers with discount rates, click here to view.

How you can control Chevy City Express insurance rates

Multiple criteria are considered when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, but other factors are more transparent such as your credit history or how financially stable you are.Smart consumers have a good feel for a few of the rating criteria that help calculate the price you pay for insurance. If you have a feel for what impacts premium levels, this empowers consumers to make smart changes that can help you get better insurance rates.

Shown below are some of the factors used by companies to determine your prices.

  • More traffic equals higher prices – Being located in less populated areas of the country can save you money when buying insurance. Fewer drivers and short commutes means reduced accidents. People who live in big cities have more auto accidents and higher rates of accident claims. Higher commute times means higher likelihood of an accident.
  • Improve your credit rating and save – An insured’s credit rating is likely to be a major factor in determining what you pay. So if your credit rating is low, you could pay less to insure your 2017 Chevrolet City Express by repairing your credit. Drivers who have excellent credit scores tend to be less risk to insure than drivers who have bad credit.
  • Cheaper rates with high physical damage deductibles – Insurance for physical damage, also called ‘full coverage’, covers damage that occurs to your Chevy. Some examples of claims that would be covered would be colliding with a building, flood damage, and windstorm damage. Physical damage deductibles are the amount of money you are required to pay in the event of a claim. The more expense you choose to pay out-of-pocket, the less your company will charge you for insurance on City Express insurance.
  • Prevent your car from being stolen – Choosing to buy a car that has an advanced theft prevention system can earn a premium discount. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms all help prevent auto theft and help lower rates.

Tailor your insurance coverage to you

When choosing proper insurance coverage, there is no one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that may help you determine whether your personal situation would benefit from professional advice.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Who is covered when they drive my 2017 Chevy City Express?
  • What if I don’t agree with a claim settlement offer?
  • Exactly who is provided coverage by my policy?
  • Why does it cost so much to insure a teen driver?
  • Am I covered if my car is in a flood?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance advertisements

Drivers get pounded daily by advertisements for the lowest price car insurance by companies like Progressive, Geico, Allstate and State Farm. They all have a common claim about how much you will save if you just switch your coverage to them.

That’s great but how can every company give you a lower rate? It’s all in the wording.

Car insurance companies quote the lowest rates for the right customer that earns them a profit. An example of a preferred risk might have to be between 25 and 40, has had continuous coverage, and has a short commute. Any new insured who matches that profile will get very good auto insurance rates and most likely will save a lot of money.

Potential customers who fall short of these stringent criteria will probably be forced to pay higher premium rates which leads to business going elsewhere. The trick companies use is to say “people who switch” not “all people who quote” save that much. This is how insurance companies can advertise the way they do. Because each company has a different risk profile, you really need to compare rate quotes every year. Because you cannot predict which company will give you lower rates than your current company.

Auto insurance coverage information

Knowing the specifics of your policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types found on most insurance policies.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for expenses for things like prosthetic devices, funeral costs, rehabilitation expenses and dental work. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Chevy City Express.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision protection

This coverage pays for damage to your City Express resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a building, rolling your car, scraping a guard rail and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability car insurance

Liability coverage protects you from damage that occurs to other’s property or people by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like attorney fees, repair bills for other people’s vehicles, court costs and bail bonds. How much coverage you buy is up to you, but consider buying as much as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, damage from a tornado or hurricane and hitting a deer. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Feed the piggy bank

When getting car insurance quotes online, do not skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped collision coverage and learned later that the small savings ended up costing them much more. The aim is to find the BEST coverage at the best cost while not skimping on critical coverages.

Budget-friendly car insurance is attainable both online in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not have online price quotes and most of the time these small, regional companies only sell coverage through independent agents.

More resources