Save on 2014 Chevrolet Express Car Insurance Cost

Are you overwhelmed by the sheer number of auto insurance choices? You’re not alone. Drivers have so many choices that it can turn into a challenge to locate the lowest price.

It’s a great practice to do rate comparisons at least once a year due to the fact that insurance rates are adjusted regularly by insurance companies. Even if you think you had the lowest rates on Express coverage on your last policy other companies may now be cheaper. There is a lot of bad information regarding auto insurance online, so by reading this article, you’re going to learn some of the best ways to put money back in your pocket.

Discounts to lower 2014 Chevy Express insurance rates

The price of auto insurance can be rather high, but discounts can save money and there are some available to cut the cost considerably. Most are applied when you get a quote, but a few must be specially asked for in order for you to get them.

  • Bundle and Save – When you combine your home and auto insurance with one insurance company you may earn up to 20% off your total premium.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% on Express coverage depending on your company.
  • Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Save over 55 – Older drivers may qualify for a small decrease in premiums on Express coverage.
  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Memberships – Belonging to certain professional organizations could qualify you for a break on auto insurance on Express coverage.
  • Sign Early and Save – Select companies give a discount for signing up prior to your current policy expiration. It can save you around 10%.

Keep in mind that most credits do not apply the the whole policy. Most cut individual premiums such as liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will cut the cost of coverage.

To see a list of companies offering auto insurance discounts, follow this link.

How to Compare Insurance Coverage Quotes

All the larger insurance coverage companies such as State Farm and Allstate allow you to get coverage prices on their websites. Getting quotes doesn’t take much effort as you simply enter the coverage amounts you desire as requested by the quote form. After the form is submitted, the company’s rating system collects your driving and credit reports and returns pricing information based on many factors.

Online quotes simplifies rate comparisons, but the process of having to visit different websites and enter the same data into a form can be a bit tiresome and repetitive. But it’s very important to get many rate quotes if you are searching for better insurance coverage pricing.

There is a better way to compare rates

The smarter way to find cheaper rates utilizes a single form to obtain quotes from many companies. This type of form saves time, requires less work, and makes online price comparison a little more enjoyable. After sending your information, your coverage is rated and you can choose any one of the returned quotes.

If a lower price is quoted, you can click and sign and buy the new coverage. The entire process takes 15 minutes at the most and you will know how your current rates stack up.

To quickly compare rates using this form now, click here and begin entering your coverage information. To compare your current rates, we recommend you replicate the coverages identical to your current policy. Using the same limits helps guarantee you are getting rate quotes for exact coverage.

Tailor your coverage to you

When buying coverage, there really is not a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that can aid in determining whether you might need professional guidance.

  • Will my rates increase for filing one claim?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is a blown tire covered by insurance?
  • At what point should I drop full coverage?
  • How much liability insurance is required?
  • Should I buy only the required minimum liability coverage?
  • Do I have coverage if my license is suspended?
  • What is high-risk coverage and where do I buy it?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance coverage options for a Chevy Express

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive protection – This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, damage from getting keyed and vandalism. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for expenses for things like X-ray expenses, hospital visits, pain medications and ambulance fees. They are often 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 and also covers getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for 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, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

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

Collision coverage protects against claims such as backing into a parked car, hitting a mailbox, crashing into a building and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability coverages – This coverage provides protection from damages or injuries you inflict on other people or property. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

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 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as structural damage, funeral expenses and bail bonds. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Shop smart and save

When you buy insurance online, you should never reduce needed coverages to save money. In many instances, drivers have reduced uninsured motorist or liability limits only to regret that it was a big error on their part. The proper strategy is to find the BEST coverage at the best price while still protecting your assets.

In this article, we presented many ideas to get a better price on 2014 Chevy Express insurance. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. Drivers may discover the lowest premiums are with a small local company.

Drivers change insurance companies for any number of reasons including questionable increases in premium, delays in responding to claim requests, extreme rates for teen drivers and even policy cancellation. It doesn’t matter why you want to switch finding a great new company can be pretty painless.

Even more information can be found at these sites: