2017 Chevrolet Express Insurance Rates

Finding more affordable auto insurance can seem to be nearly impossible for drivers who are new to quoting and comparing prices online. With more and more insurers available, it can quickly become a real difficult job to locate the lowest coverage rates.

You should make it a habit to do price comparisons once or twice a year because prices go up and down regularly. Just because you had the lowest rates on Express insurance on your last policy you can probably find a lower rate today. Ignore everything you know about auto insurance because you’re about to learn the tricks you need to know to properly buy coverages while reducing your premium.

If you currently have a car insurance policy, you will most likely be able to save some money using this strategy. This information will introduce you to the best way to quote coverages and some tricks to saving. But car owners must know the way companies price insurance differently.

Take policy discounts and save

Car insurance is not an enjoyable expense, but you can get discounts that can drop the cost substantially. Many discounts should be triggered when you quote, but a few need to be asked for before you will receive the discount.

  • Paper-free Discount – Many companies may give you up to $50 for buying your policy digitally online.
  • Drive Safe and Save – Insureds without accidents could pay up to 40% less on Express insurance compared to rates paid by drivers with frequent claims.
  • Accident Forgiveness Coverage – Not necessarily a discount, but a handful of insurance companies may permit one accident before raising your premiums so long as you are claim-free for a particular time prior to the accident.
  • Multi-line Discount – Larger insurance companies have a small discount if you purchase life insurance.
  • College Student – Kids who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Active Military Service – Having a family member in the military may lower your car insurance rates slightly.

Don’t be shocked that most discount credits are not given to the overall cost of the policy. Most only cut individual premiums such as comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

If you would like to see a list of providers that offer the discounts shown above, click here.

Which policy gives me the best coverage?

When it comes to buying proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

Here are some questions about coverages that might point out if your insurance needs would benefit from an agent’s advice.

  • Should I buy only the required minimum liability coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is motorclub coverage worth it?
  • How high should my uninsured/underinsured coverage be in my state?
  • Where can I find high-risk insurance?
  • Are my friends covered when driving my 2017 Chevy Express?
  • How much can I save by bundling my policies?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form.

Car insurance ads bend the truth

State Farm, Geico and Progressive constantly bombard you with ads in print and on television. All the companies have a common claim that people will save if you switch your policy. How do they all charge you a lower premium? It’s all in the wording.

Most companies are able to cherry pick for the type of driver that will be a good risk. A good example of a preferred risk might be described as over the age of 35, insures multiple vehicles, and has a short commute. Any new insured that hits that “sweet spot” will qualify for the lowest auto insurance rates and is almost guaranteed to save when switching.

Insureds who do not meet those standards will see a more expensive rate and business not being written. The trick is to say “drivers who switch” but not “all drivers who get quotes” save the amount stated. This is how insurance companies can confidently state the savings. This illustrates why you absolutely need to get price quotes at each policy renewal. It’s just not possible to know the company that will give you lower prices than your current company.

Auto insurance coverages

Knowing the specifics of a auto insurance policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a deer, fire damage, hail damage and hitting a bird. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Chevy Express.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like rehabilitation expenses, pain medications, hospital visits, prosthetic devices and nursing services. They are often 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 and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Liability insurance

This coverage will cover damage or injury you incur to other people or property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as funeral expenses, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Collision coverage

Collision insurance pays for damage to your Express resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with another moving vehicle, crashing into a ditch, rolling your car and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Smart consumers save more

In this article, we covered quite a bit of information on how to get a better price on 2017 Chevy Express insurance. The key concept to understand is the more rate quotes you have, the higher your chance of finding inexpensive auto insurance. You may be surprised to find that the most savings is with some of the smallest insurance companies.

When trying to cut insurance costs, make sure you don’t buy less coverage just to save a little money. In too many instances, consumers will sacrifice physical damage coverage and discovered at claim time that it was a big mistake. Your focus should be to buy enough coverage for the lowest price, but don’t skip important coverages to save money.

Drivers leave their current company for a number of reasons such as denial of a claim, high prices, being labeled a high risk driver and even high rates after DUI convictions. It doesn’t matter what your reason, switching auto insurance companies can be less work than you think.

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