2005 Chevrolet Express Insurance Quotes – 6 Tricks for Cheaper Rates

Want better insurance rates for your Chevrolet Express? Buying the most affordable insurance on the internet can be difficult for people who are new to buying insurance on the web. When there are so many companies in the marketplace, how can you have a chance to compare them all to find the lowest price?

Smart consumers take time to do rate comparisons once or twice a year due to the fact that insurance rates change regularly. Just because you found the lowest rates on Express insurance a year ago you can probably find a lower rate today. There is too much inaccurate information about insurance on the web, but I’m going to show you a bunch of ideas how to slash your insurance rates.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using these tips. Locating more affordable protection is easy if you know what you’re doing. But drivers need to have an understanding of how insurance companies market insurance on the web and apply this information to your search.

Be sure to get all your discounts

Companies that sell car insurance don’t always publicize every discount very well, so we took the time to find both the well known as well as the least known savings tricks you should be using.

  • Military Rewards – Having a deployed family member can result in better rates.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Chevy could qualify for discounted rates on garaged vehicles.
  • Multi-car Discount – Insuring more than one vehicle on the same insurance policy could earn a price break for each car.
  • Driver Safety – Successfully completing a course in driver safety could save 5% or more if your company offers it.
  • Anti-theft System – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.

It’s important to understand that many deductions do not apply to the entire policy premium. Some only apply to specific coverage prices like liability, collision or medical payments. Just because you may think you can get free auto insurance, you won’t be that lucky.

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

Check with every prospective company which discounts they offer. All car insurance discounts might not apply everywhere.

How to Compare Insurance Rates

The are a couple different ways of comparing rate quotes and find the best price. The easiest way to find competitive 2005 Chevy Express insurance rates is simply to get online rate quotes. This can be done in just a few minutes using one of these methods.

Probably the best way consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This easy form prevents you from having to do separate quotation requests for each company. A single, simple form gets rate comparisons from insurance companies with the best prices. Recommended for those who want to invest the least amount of time.

A different way to compare prices consists of visiting each individual company website to complete a price quote. For example, let’s say you want to compare Allstate, Farmers and GMAC. To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why the first method is quicker.

To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but be sure to compare the exact same coverage limits and deductibles for each comparison quote. If you have different liability limits you will not be able to find the best deal for your Chevy Express. Just a small difference in insurance coverages could mean much higher rates. It’s important to know that more quotes will enable you to find lower pricing.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage for your vehicles, there really is no perfect coverage plan. Every insured’s situation is different.

These are some specific questions may help highlight if your insurance needs might need professional guidance.

  • How much underlying liability do I need for an umbrella policy?
  • If I drive on a suspended license am I covered?
  • Am I insured when driving a different vehicle?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I need an umbrella policy?
  • Is upholstery damage covered by car insurance?
  • Does having multiple vehicles earn me a discount?
  • I don’t drive much so do I pay less?
  • Are my friends covered when driving my car?
  • Can I still get insurance after a DUI?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form.

Coverage specifics

Having a good grasp of a auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Auto collision coverage

This coverage will pay to fix damage to your Express resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a mailbox, backing into a parked car, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Auto liability insurance

This coverage will cover damage or injury you incur to other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims like repair costs for stationary objects, emergency aid, medical expenses, medical services and pain and suffering. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for EMT expenses, X-ray expenses, nursing services and dental work. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive auto insurance

This will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a deer, damage from getting keyed and hail damage. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Chevy Express.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Money doesn’t grow on trees

Drivers switch companies for a number of reasons such as denial of a claim, delays in responding to claim requests, policy cancellation and not issuing a premium refund. It doesn’t matter what your reason, finding a new company is not as hard as you think.

Cheap 2005 Chevy Express insurance can be found from both online companies as well as from independent agents, so you should compare both so you have a total pricing picture. There are still a few companies who don’t offer the ability to get a quote online and these small, regional companies work with independent agents.

As you prepare to switch companies, never reduce coverage to reduce premium. In many instances, drivers have reduced collision coverage and learned later that it was a big mistake. Your focus should be to buy the best coverage you can find at the best price while still protecting your assets.

Additional auto insurance information is available at the links below