Save on 2013 Chevrolet Express Car Insurance Quotes

Want better insurance coverage rates for your Chevrolet Express? Scraping up a payment for overpriced Chevrolet Express insurance can drain your bank account and make it hard to pay other bills. Shopping your coverage around is free and is an excellent way to slash your bill and have more diposable income.

Having so many online and local companies to choose from, it’s nearly impossible to pick the most affordable insurance company.

It’s a good idea to check insurance coverage prices on a regular basis because prices trend upward over time. If you had the best deal on Express insurance on your last policy a different company probably has better rates today. There is too much inaccurate information about insurance coverage online, so by reading this article, you’re going to learn the easiest ways to buy insurance coverage cheaper.

Buying car insurance is not that difficult. If you have car insurance now, you will be able to save some money using these methods. But consumers do need to understand the methods companies use to market insurance on the web.

Lots of discounts mean lots of savings

Car insurance companies do not list all their discounts very well, so here is a list some of the more common and the more hidden ways to save on car insurance.

  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in school.
  • Multi-policy Discount – When you have multiple policies with the same company you may earn at least 10% off all policies.
  • Memberships – Belonging to a professional or civic organization is a good way to get lower rates when shopping for car insurance on Express insurance.
  • Distant Student – Any of your kids who live away from home without a vehicle on campus can be insured at a reduced rate.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, it just doesn’t work that way.

To see a list of insurance companies who offer car insurance discounts, click here.

Situations that might require an agent

When choosing the best auto insurance coverage for your personal vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might point out whether you might need professional guidance.

  • Should I have a commercial auto policy?
  • Does my insurance cover a custom paint job?
  • Do I need replacement cost coverage on my 2013 Chevy Express?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is a blown tire covered by insurance?
  • When can my company non-renew my policy?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Specific coverages for a 2013 Chevy Express

Learning about specific coverages of your car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages found on the average car insurance policy.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from a tornado or hurricane, hitting a bird, theft, rock chips in glass and vandalism. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like pain medications, chiropractic care, nursing services and doctor visits. They are often utilized in addition to your 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 and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a ditch, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability coverages

This protects you from injuries or damage you cause to people or other property by causing an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

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 liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as medical services, bail bonds, court costs, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Protection from uninsured/underinsured drivers

This provides protection from other drivers when they 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 a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Final considerations

Cheap 2013 Chevy Express insurance is available on the web in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

We covered a lot of techniques to shop for insurance online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest rates come from a small mutual company. Smaller companies often have lower prices on specific markets as compared to the big name companies such as State Farm or Progressive.

Additional information