2006 Chevrolet Express Insurance Rates – 9 Tips for Best Quotes

Searching for cheaper insurance for your Chevy Express could be difficult, but you can learn the following methods to find lower rates. There are both good and bad ways to compare insurance rates so we’re going to tell you the absolute fastest way to quote coverages on a Chevy and find the lowest price either online or from local insurance agents.

How to Get Cheap Insurance Coverage

Getting a cheaper price on 2006 Chevy Express insurance can be surprisingly simple. All that’s required is to invest a few minutes to get quotes online from several insurance companies. This can be done using a couple different methods.

  1. One of the best ways to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This form keeps you from doing separate quote forms to each individual insurance coverage company. One quote request will get you rate comparisons direct from many companies. This is perfect if you don’t have a lot of time.
  2. A more time consuming way to analyze rates is to manually visit the website of each company to complete their respective quote request forms. For examples sake, we’ll assume you want rates from Progressive, Allstate and Geico. To get each rate you have to spend time on each company’s site to input your insurance information, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

Whichever method you choose, be sure to compare exactly the same coverage limits for each price quote. If you have different limits and deductibles on each one then you won’t be able to determine the lowest rate for your Chevy Express.

Policy discounts you shouldn’t miss

Companies do not advertise every discount very well, so we break down both well-publicized as well as the least known discounts you could be receiving. If you don’t get every credit you qualify for, you are throwing money away.

  • Own a Home – Owning a house can help you save on insurance because owning a home shows financial diligence.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • 55 and Retired – Mature drivers may qualify for a small decrease in premiums for Express coverage.
  • Multi-policy Discount – When you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
  • No Accidents – Claim-free drivers can save substantially when compared to accident-prone drivers.
  • Good Student – Performing well in school can save 20 to 25%. The good student discount can last up to age 25.
  • Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance from them.
  • Drive Less and Save – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could save 5% or more if your company offers it.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Some only reduce individual premiums such as medical payments or collision. Just because it seems like you could get a free insurance policy, it just doesn’t work that way.

For a list of providers who offer insurance discounts, click here.

Insurance agents can help

When choosing adequate coverage for your vehicles, there really is no best way to insure your cars. Every situation is different.

These are some specific questions could help you determine if you could use an agent’s help.

  • Can my babysitter drive my car?
  • What is high-risk coverage and where do I buy it?
  • What vehicles should carry emergency assistance coverage?
  • Does insurance cover tools stolen from my truck?
  • Where can I get insurance after a DUI in my state?
  • Am I covered when driving on a suspended license?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Auto insurance 101

Knowing the specifics of your auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Liability insurance

Liability insurance will cover damages or injuries you inflict on other’s property or people by causing an accident. 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 limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things such as repair bills for other people’s vehicles, medical expenses and funeral expenses. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Comprehensive coverages

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a deer, a broken windshield, damage from a tornado or hurricane and vandalism. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses for things like nursing services, ambulance fees and pain medications. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Collision coverage

Collision insurance will pay to fix damage to your Express from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a building, damaging your car on a curb, sustaining damage from a pot hole and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Chevy Express.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

A penny earned…

Consumers change insurance companies for any number of reasons including policy cancellation, delays in responding to claim requests, poor customer service or even delays in paying claims. It doesn’t matter why you want to switch finding a new car insurance company is less work than it seems.

As you prepare to switch companies, don’t be tempted to reduce needed coverages to save money. There are many occasions where consumers will sacrifice uninsured motorist or liability limits and discovered at claim time they didn’t have enough coverage. Your aim should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

Lower-priced 2006 Chevy Express insurance can be purchased from both online companies as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers don’t offer you the ability to get quotes online and these regional insurance providers work with independent agents.

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