2003 Chevrolet Express Car Insurance Cost – 8 Ways to Save

Searching for better insurance coverage rates for your Chevrolet Express? Overpriced Chevrolet Express insurance can overdraw your checking account and force you to make sacrifices. Shopping your coverage around is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away. Many car insurance companies compete to insure your vehicles, so it’s not easy to compare every provider to get the best rates possible.

You should take the time to compare rates occasionally because insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the best rates on Express insurance two years ago other companies may now be cheaper. Starting right now, forget all the misinformation about insurance coverage because it’s time to teach you the right way to save on insurance coverage.

Compare the Market for Insurance Coverage

Performing a rate comparison can be a daunting task if you don’t utilize the best way to get rate quotes. You can spend countless hours discussing policy coverages with insurance companies in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

Many popular insurance companies enroll in a system where insurance shoppers enter their policy data once, and at least one company can give them a price based on that data. This saves time by eliminating quote requests for each company. To find out what other companies charge for 2003 Chevy Express insurance click here to start a free quote.

The single downside to comparing rates this way is you are unable to specify the insurers to get pricing from. If you would rather choose individual companies to compare prices, we have a listing of insurance coverage companies in your area. View list of insurance companies.

However you get your quotes, be sure to compare exactly the same coverages and limits on every quote you get. If you are comparing different limits and deductibles on each one it’s not possible to determine the best price for your Chevy Express.

Save big with these eight discounts

Car insurance is not cheap, but discounts can save money and there are some available to help bring down the price. A few discounts will automatically apply at the time of purchase, but some must be requested specifically before you will receive the discount. If you don’t get every credit possible, you’re paying more than you need to.

  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates on Express insurance than drivers with accidents.
  • Military Discounts – Being on active duty in the military can result in better rates.
  • Discount for Swiching Early – A few companies offer discounts for switching policies before your current policy expires. The savings is around 10%.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Senior Discount – Older drivers may receive better insurance rates on Express insurance.
  • Organization Discounts – Affiliation with certain professional organizations could qualify you for a break on insurance on Express insurance.
  • No Charge for an Accident – Certain companies allow you one accident without raising rates so long as you haven’t had any claims for a set time period.
  • Driver Safety – Successfully completing a driver safety course can save you 5% or more and easily recoup the cost of the course.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. The majority will only reduce individual premiums such as medical payments or collision. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way. Any amount of discount will reduce your overall premium however.

Car insurance companies that may have some of the above discounts include:

Double check with each insurance company how you can save money. Discounts may not apply in your area.

But I don’t know anything about car insurance

When it comes to choosing coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that might point out if your situation would benefit from an agent’s advice.

  • Should I rate my 2003 Chevy Express as pleasure use or commute?
  • Why do I need rental car insurance?
  • Do I need replacement cost coverage?
  • Is motorclub coverage worth it?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered if my car is in a flood?
  • Do I need PIP coverage since I have good health insurance?
  • Is my babysitter covered when using my vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage ads bend the truth

Consumers can’t get away from ads for car insurance savings by State Farm, Allstate and Geico. They all make the same claim of big savings after switching to their company.

How does each company make almost identical claims?

All companies have a preferred profile for the right customer they prefer to insure. For instance, a driver they prefer could possibly be over the age of 50, has no prior claims, and has excellent credit. A propective insured that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to save when switching.

Consumers who don’t measure up to this ideal profile will be charged more money which leads to business going elsewhere. The ad wording is “drivers who switch” not “everyone that quotes” save that much money. That is how companies can make the claims of big savings.

That is why drivers should compare many company’s rates. It’s not possible to predict which insurance coverage company will provide you with the cheapest Chevy Express insurance rates.

Insurance coverage breakdown

Having a good grasp of insurance can be of help when determining the right coverages for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most insurance policies.

Collision coverage – This coverage pays for damage to your Express resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as colliding with a tree, hitting a mailbox, crashing into a building, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive protection – This pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a bird, falling objects, a tree branch falling on your vehicle and vandalism. The most a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage – This gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chevy Express.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Medical expense coverage – Med pay and PIP coverage provide coverage for expenses like surgery, pain medications, nursing services and chiropractic care. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Liability coverage – Liability insurance will cover damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like loss of income, legal defense fees, pain and suffering and bail bonds. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

A fool and his money are soon parted

You just read a lot of techniques to get a better price on 2003 Chevy Express insurance. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may even find the best prices are with some of the lesser-known companies. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

When shopping online for insurance coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice collision coverage only to discover later they didn’t purchase enough coverage. The proper strategy is to purchase a proper amount of coverage for the lowest price.

More tips and info about insurance coverage can be read in the articles below: