2015 Chevrolet Express Car Insurance Quotes – 7 Tips for Best Rates

Searching for the cheapest insurance for a new or used Chevy Express can normally be difficult, but you can follow the following methods to find lower rates. There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the absolute fastest way to price shop coverage on a Chevy and locate the lowest possible price.

Pay less for Chevy Express insurance

Companies don’t necessarily list every discount in a way that’s easy to find, so we researched both the well known as well as the least known ways to save on auto insurance. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Defensive Driver – Completing a driver safety course can save you 5% or more if your company offers it.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt could save 15% off your PIP or medical payments premium.
  • Auto/Life Discount – Some companies give better rates if you take out auto and life insurance together.
  • Memberships – Belonging to a professional or civic organization could qualify you for a break on your policy on Express insurance.
  • Claim Free – Drivers who don’t have accidents pay less when compared to frequent claim filers.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • 55 and Retired – If you’re over the age of 55, you may be able to get a discount up to 10% on Express insurance.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way.

Insurance companies that possibly offer these benefits include:

Check with each company which discounts you may be entitled to. Discounts may not apply in every state.

Tailor your coverage to you

When it comes to choosing adequate coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine if your situation could use an agent’s help.

  • Is my trailer covered?
  • Do I need added coverage for expensive stereo equipment?
  • Is my cargo covered for damage or theft?
  • Do I need replacement cost coverage on my 2015 Chevy Express?
  • Can my teen driver be rated on a liability-only vehicle?
  • What are the financial responsibility laws in my state?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Is there deception in advertising?

Drivers can’t get away from ads for the lowest price auto insurance by companies like State Farm, Geico and Progressive. All the companies make an identical promise that you can save after switching to them.

How does each company say the same thing?

All the different companies have a certain “appetite” for the right customer that earns them a profit. An example of a preferred risk might be between 30 and 50, a clean driving record, and has a short commute. A propective insured who matches those parameters receives the best rates and most likely will cut their rates substantially.

Potential insureds who do not match the requirements will have to pay a more expensive rate and this can result in the customer not buying. Company advertisements say “customers that switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can confidently make the claims of big savings. Because of the profiling, drivers should get as many comparisons as possible. It’s impossible to know the company that will give you the biggest savings on Chevy Express insurance.

Parts of your auto insurance policy

Learning about specific coverages of your auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Comprehensive (Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, damage from a tornado or hurricane, theft, damage from flooding and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverage

Liability coverage will cover damage or injury you incur to a person or their property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like legal defense fees, court costs and loss of income. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as chiropractic care, pain medications, funeral costs, surgery and ambulance fees. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as scraping a guard rail, sustaining damage from a pot hole, colliding with a tree, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Shop Smart and Save

Lower-priced 2015 Chevy Express insurance can be found on the web as well as from independent agents, so you should compare both so you have a total pricing picture. There are still a few companies who don’t offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

While you’re price shopping online, do not buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed full coverage only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at the best price.

Consumers change insurance companies for a variety of reasons including denial of a claim, delays in paying claims, high rates after DUI convictions and even lack of trust in their agent. No matter why you want to switch, finding the right auto insurance provider is actually quite simple.

For more information, link through to the following helpful articles: