Cheaper 2016 Chevrolet Express Insurance Quotes

Searching for better insurance coverage rates for your Chevrolet Express? Shopping for budget-priced insurance coverage can be rather difficult for consumers that are not comfortable with quoting and comparing prices on the web. Since there are so many online companies available, how can you even start to compare every one to find cheaper insurance coverage rates?

If you have car insurance now, you stand a good chance to be able to cut costs considerably using these methods. Shopping for the best coverage can be fairly easy. But consumers must comprehend how big insurance companies sell online and use this information to your advantage.

Do you qualify for discount auto insurance?

Insuring your fleet can be pricey, but you may find discounts that may help make it more affordable. Many discounts should be triggered when you complete an application, but some discounts are required to be asked about before they will apply.

  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems may qualify for discounts up to 30%.
  • Professional Memberships – Having an affiliation with certain professional organizations can get you a small discount on your next renewal.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions and earn discounts up to 10%.
  • Payment Discounts – If paying your policy premium upfront as opposed to paying monthly you can actually save on your bill.
  • Discounts for Government Workers – Active or former government employment could provide a small rate reduction on Express insurance depending on your auto insurance provider.
  • One Accident Forgiven – Not a discount per se, but companies like Geico, Allstate and Liberty Mutual may permit one accident before hitting you with a surcharge so long as you are claim-free for a particular time prior to the accident.
  • Include Life Insurance and Save – Some auto insurance companies give a discounted price on car insurance if you buy auto and life insurance together.
  • Multiple Vehicles – Buying a policy with multiple cars or trucks with the same auto insurance company may reduce the rate for each vehicle.
  • Resident Student – Any of your kids who live away from home at college and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Safe Driver Discount – Insureds without accidents could pay up to 40% less on Express insurance compared to rates paid by drivers with frequent claims.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

A list of auto insurance companies and some of their more popular discounts are included below.

  • Progressive has discounts for homeowner, multi-vehicle, good student, continuous coverage, online quote discount, and online signing.
  • The Hartford may have discounts that include air bag, vehicle fuel type, good student, defensive driver, and anti-theft.
  • Mercury Insurance discounts include ease of repair, professional/association, location of vehicle, low natural disaster claims, multi-car, and multi-policy.
  • Geico has savings for seat belt use, good student, five-year accident-free, anti-theft, federal employee, and daytime running lights.
  • AAA may include discounts for education and occupation, anti-theft, good driver, pay-in-full, and AAA membership discount.
  • State Farm may offer discounts for good student, multiple autos, accident-free, anti-theft, good driver, multiple policy, and safe vehicle.

If you need affordable insurance quotes, ask each company the best way to save money. Some discounts listed above may not be available in your state. If you would like to view companies that offer multiple discounts, click here.

What insurance coverages do I need?

When choosing the best insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s needs are different.

These are some specific questions may help you determine whether your personal situation might need an agent’s assistance.

  • Should I buy full coverage?
  • Is my camper covered by my car insurance policy?
  • What are the best liability limits?
  • Is my 2016 Chevy Express covered for smoke damage?
  • Am I covered if I break a side mirror?
  • What is the difference between comprehensive and collision coverage?
  • What companies insure drivers after a DUI or DWI?
  • Can I afford to buy a different vehicle if my 2016 Chevy Express is totaled?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Auto insurance in the media

Well-known auto insurance companies like Geico, State Farm and Progressive continually stream television and radio advertisements. They all seem to convey the message that people will save if you get a free insurance quote and switch your coverage to them. How can each company charge less that you’re paying now?

Auto insurance companies can use profiling for the type of customer that earns them the highest profit. An example of a preferred risk could possibly be a married male, has never had a claim, and drives a vehicle with a low ISO rating. A driver who meets those qualifications receives the best car insurance rates and as a result will probably save when they switch companies.

Potential insureds who don’t measure up to these standards will see higher prices which results in business not being written. The ads say “customers that switch” not “everyone who quotes” can get the lowest rates when switching. That is how companies can truthfully state the savings.

Because of these techniques, drivers must get a wide range of price quotes. Because you never know the company that will be your best fit.

Car insurance coverage considerations

Learning about specific coverages of car insurance can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for immediate expenses for things like pain medications, prosthetic devices, chiropractic care, ambulance fees and EMT expenses. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision coverage – This covers damage to your Express resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as damaging your car on a curb, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive car insurance – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, falling objects, theft and hail damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your 2016 Chevy Express.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Auto liability insurance – This can cover damage that occurs to other’s property or people that is your fault. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as emergency aid, attorney fees and court costs. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Online plus local equals savings

When you buy insurance online, it’s a bad idea to sacrifice coverage to reduce premiums. Too many times, drivers have reduced full coverage and learned later that the small savings ended up costing them much more. Your objective should be to get the best coverage possible at the best cost, but do not sacrifice coverage to save money.

You just learned a lot of techniques to save on 2016 Chevy Express insurance. The key thing to remember is the more companies you get premium rates for, the higher the chance of saving money. You may be surprised to find that the biggest savings come from a small mutual company.

Some insurance coverage companies may not have rates over the internet and these small insurance companies work with independent insurance agencies. Budget-conscious 2016 Chevy Express insurance can be purchased both online as well as from insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from.

Additional information can be read on the following sites: