Compare 2012 Chevrolet Express Insurance Rates

Are you tired of not being able to afford to buy car insurance? Your situation is no different than millions of other consumers. Online insurance companies like Geico and Progressive continually hit you with advertising and it is difficult to separate fact from fiction and take the time to shop coverage around.

Cut prices on Chevy Express insurance

Car insurance can cost a lot, but you may find discounts to help bring down the price. Certain discounts will be triggered automatically at the time of quoting, but a few need to be requested specifically before you get the savings. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • No Accidents – Drivers who don’t have accidents pay much less as compared to frequent claim filers.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can qualify for discounts up to 30%.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts can save up to 15% off your PIP or medical payments premium.
  • Student in College – Any of your kids who live away from home and do not have access to a covered vehicle may qualify for this discount.

It’s important to understand that some credits don’t apply to the entire cost. Most only cut the price of certain insurance coverages like medical payments or collision. Just because you may think you can get free auto insurance, companies wouldn’t make money that way. But any discount will reduce your overall premium however.

For a list of companies who offer auto insurance discounts, click this link.

The quickest method we recommend to compare car insurance rates is to take advantage of the fact most insurance companies participate in a system to give free rates quotes. To start a quote, the only thing you need to do is give the companies some data like how many miles driven, any included safety features, your occupation, and if you lease or own. Your information gets sent immediately to multiple different insurance companies and you will receive price estimates instantly.

To get price quotes for your , click here and enter the information requested.

These factors can influence Chevy Express insurance rates

Smart consumers have a good feel for some of the elements that go into determining the rates you pay for car insurance. Having a good understanding of what influences your rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

  • Lower rates with optional equipment – Choosing a vehicle with an alarm system can save you a little every year. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
  • Cautious drivers pay less – Your driving record has a lot to do with how much you pay for insurance. Even a single ticket can boost insurance rates by as much as thirty percent. Careful drivers tend to pay less for car insurance than their less careful counterparts. Drivers who get dangerous violations such as reckless driving, hit and run or driving under the influence may be required to file a SR-22 with their state DMV in order to prevent a license revocation.
  • Pleasure use saves money – Driving more miles in a year the higher your rate. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your car insurance coverage properly reflects the proper vehicle usage. If your policy improperly rates your Express may be costing you.
  • Pay less after the wedding – Having a spouse helps lower the price on car insurance. It is viewed as being more responsible it has been statistically shown that married drivers get in fewer accidents.
  • No coverage gaps is important – Letting your insurance expire is a quick way to trigger a rate increase. Not only will you pay more, getting caught without coverage may earn you a revoked license or a big fine.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions might help in determining if your situation might need professional guidance.

  • Should I put collision coverage on all my vehicles?
  • Should I have combined single limit or split liability limits?
  • How much liability insurance is required?
  • Do I pay less for low miles?
  • What if I don’t agree with a claim settlement offer?
  • When can my company non-renew my policy?
  • How does medical payments coverage work?
  • How high should deductibles be on a 2012 Chevy Express?
  • Am I covered if I drive in a foreign country?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Insurance coverage options for a 2012 Chevy Express

Understanding the coverages of your insurance policy can help you determine the right coverages for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are the normal coverages available from insurance companies.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, hitting a bird, damage from a tornado or hurricane, a broken windshield and rock chips in glass. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision insurance

This coverage will pay to fix damage to your Express caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like crashing into a building, scraping a guard rail, rolling your car, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for EMT expenses, prosthetic devices, chiropractic care and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability coverage protects you from damages or injuries you inflict on other people or property. It protects YOU against other people’s claims, and does not provide coverage for 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 might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as repair bills for other people’s vehicles, court costs, medical expenses, funeral expenses and structural damage. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Express.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Feed the piggy bank

As you prepare to switch companies, don’t be tempted to reduce needed coverages to save money. There are a lot of situations where someone sacrificed liability coverage limits and learned later that the small savings ended up costing them much more. Your focus should be to get the best coverage possible at the best price while not skimping on critical coverages.

We covered a lot of ways to save on 2012 Chevy Express insurance. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best prices are with a small local company. They may only write in your state and offer lower rates than the large multi-state companies such as State Farm and Allstate.

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