Lower Your 2011 Chevrolet Express Car Insurance Rates

Paying for high-priced Chevrolet Express insurance can take a big chunk out of your checking account and put a big crunch on your finances. Comparison shopping is free, only takes a few minutes, and is a good way to help make ends meet. Many insurance companies vie for your hard-earned dollar, and it can be difficult to compare rates and get the definite lowest rate possible.

It’s important to price shop coverage yearly because prices are adjusted regularly by insurance companies. Just because you found the best rates for Express insurance last year there may be better deals available now. You can find a lot of misleading information regarding insurance online but we’re going to give you the best ways to find affordable insurance.

If you have insurance now or need a new policy, you can use these tips to cut your premiums while maximizing coverage. Finding affordable coverage is quite easy. Consumers only need to know the proper way to compare rates over the internet.

Why your Chevy Express insurance rates may be high

Consumers need to have an understanding of some of the elements that play a part in calculating your insurance rates. Having a good understanding of what influences your rates enables informed choices that could result in better insurance rates.

  • Traffic citations inflate rates – Whether or not you get tickets has a huge affect on how much you pay. Only having one moving violation can boost insurance rates forty percent or more. Careful drivers receive lower rates compared to drivers with tickets. Drivers with flagrant tickets like reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state DMV in order to keep their license.
  • Being married is a good thing – Having a wife or husband actually saves money on your insurance policy. It is viewed as being more responsible and it’s proven that married couples file fewer claims.
  • Adjust deductibles and save – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your Chevy from damage. A few examples of covered claims are a windshield shattered by a rock, damage from fire, or theft. The deductibles are the amount of money you are required to spend out-of-pocket before your insurance pays a claim. The higher the amount you have to pay, the less your company will charge you for insurance for Express insurance.
  • Do you need those extra coverages? – There are many additional coverages you can purchase on your insurance policy. Insurance for roadside assistance, better glass coverage and motor club memberships may be costing you every month. These may sound like a good investment when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.

Discounts can save BIG

Companies that sell car insurance do not list every discount very well, so here is a list both well-publicized and the more hidden car insurance savings. If you don’t get every credit available, you are paying more than you should be.

  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
  • Multi-policy Discount – When you combine your home and auto insurance with the same company you could get a discount of up to 20% off your total premium.
  • Own a Home – Being a homeowner can save you money because owning a home requires personal responsibility.
  • Low Mileage Discounts – Low mileage vehicles can earn a substantially lower rate.
  • Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Safety Course Discount – Taking a defensive driving course could save 5% or more if your company offers it.
  • Drivers Education – Require your teen driver to complete a driver education course in school.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get reduced rates for Express insurance.
  • Claim Free – Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.

As a disclaimer on discounts, some credits don’t apply to your bottom line cost. A few only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky.

To see a list of insurance companies offering car insurance discounts, click here to view.

Will just any policy work for me?

When buying the best insurance coverage coverage for your vehicles, there really is no one size fits all plan. Every situation is different so your insurance needs to address that. These are some specific questions might point out whether or not you might need professional guidance.

  • Why am I required to get a high-risk car insurance policy?
  • Will my insurance pay for OEM parts?
  • Do I need an umbrella policy?
  • Does my insurance cover a custom paint job?
  • What vehicles should carry emergency assistance coverage?
  • When should I buy a commercial auto policy?
  • How many claims can I have before being cancelled?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Car insurance coverages for a 2011 Chevy Express

Learning about specific coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement. These are the usual coverages available from insurance companies.

Coverage for medical payments – Med pay and PIP coverage kick in for bills for things like rehabilitation expenses, dental work, chiropractic care and EMT expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverage – Liability insurance protects you from injuries or damage you cause to other’s property or people. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for claims such as funeral expenses, medical expenses and attorney fees. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Uninsured and underinsured coverage – This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Express.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage – Collision coverage will pay to fix damage to your Express resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like hitting a mailbox, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive coverages – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as fire damage, damage from getting keyed, a tree branch falling on your vehicle, damage from flooding and theft. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Keep this in mind

When trying to cut insurance costs, you should never buy poor coverage just to save money. There are many occasions where an insured cut liability limits or collision coverage only to discover later that the small savings ended up costing them much more. Your goal should be to get the best coverage possible for the lowest price, not the least amount of coverage.

Affordable 2011 Chevy Express insurance is definitely available from both online companies and with local insurance agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

More information can be read at these links: