Lower Your 2017 Chevrolet Express Car Insurance Cost

Being forced to pay for expensive auto insurance premiums can bottom out your funds and make it tough to pay other bills. Performing a price comparison can lower your rates and help to make ends meet.

Because there are so many different company options, it can be impossible to choose a lower cost insurance company.

Lower-cost auto insurance rates with discounts

Car insurance companies don’t list the complete list of policy discounts in an easy-to-find place, so here is a list some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy car insurance online.

  • Auto/Life Discount – Select auto insurance companies reward you with a lower price if you buy life insurance.
  • Anti-lock Brakes – Cars, trucks, and SUVs that have anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
  • Discount for New Cars – Insuring a vehicle that is new can be considerably cheaper because newer vehicles keep occupants safer.
  • Memberships – Being a member of qualifying clubs or civic groups could qualify you for a break on your bill.
  • Own a Home and Save – Just being a homeowner can save a few bucks because it is proof of financial responsibility.

Policy discounts save money, but most of the big mark downs will not be given to the entire cost. Some only reduce the cost of specific coverages such as comp or med pay. Despite the fact that it seems like having all the discounts means you get insurance for free, you aren’t that lucky.

Car insurance companies who might offer most of these discounts may include but are not limited to:

Before buying, ask each company or agent what discounts are available to you. A few discounts may not be offered in your area. For a list of providers who offer discounts, click here.

Smart buyers can cut insurance costs

Lots of things are taken into consideration when you get a price on insurance. Some are pretty understandable like your driving record, but other criteria are less obvious like your continuous coverage or how safe your car is.A large part of saving on car insurance is knowing some of the factors that are used to determine your policy premiums. If you understand what determines base rates, this enables you to make decisions that can earn you much lower annual insurance costs.

  • Cheaper prices using theft deterrents – Purchasing a vehicle with an alarm system can save you some money. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms all help prevent your vehicle from being stolen.
  • More traffic means higher claims – Residing in less populated areas of the country may provide you with better prices when buying car insurance. Fewer drivers and short commutes translates into fewer accident claims in addition to lower liability claims Drivers who live in large cities have to deal with more auto accidents and higher rates of accident claims. The longer drive time means a statistically higher chance of an accident.
  • Too many claims will drive car insurance rates up – If you’re an insured who likes to file claims you should expect either a policy non-renewal or much higher rates. Companies provide lower rates to drivers who are claim-free. Your car insurance is designed for claims that you cannot pay yourself.
  • Get better rates after the wedding – Getting married actually saves money compared to being single. Marriage means you’re more mature and responsible and insurance companies like that being married results in fewer claims.
  • Does your occupation raise your prices? – Jobs like military personnel, architects and dentists usually pay the highest rates in part from high stress and incredibly demanding work hours. Other occupations like professors, historians and homemakers pay the least for Express insurance.
  • Teenage drivers pay more – Inexperience drivers have been known to be careless and easily distracted when driving with friends so they pay higher car insurance rates. Older people tend to be more responsible, cost insurance companies less in claims , and are generally more financially stable.
  • Liability protection limits on your policy – Your car insurance policy’s liability coverage provides coverage in the event that you are ruled to be at fault for physical damage or personal injury to other. Liability provides you with a defense in court which can cost a lot. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so do not cut corners here.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that These are some specific questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • Does my personal policy cover me when driving out-of-state?
  • What is the ISO rating for a 2017 Chevy Express?
  • Do I pay less for low miles?
  • Is my 2017 Chevy Express covered for smoke damage?
  • What vehicles should carry emergency assistance coverage?
  • When would I need rental car insurance?
  • Should I have a commercial auto policy?
  • When do I need to add a new car to my policy?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Will you really save $431 on auto insurance?

Consumers can’t ignore all the ads that promise big savings for switching from companies such as Progressive, Allstate and GEICO. They all seem to seem to make the promise that drivers can save some big amount if you switch to them.

How is it possible that every company can give you a better price? Here is how they do it.

All the different companies have specific criteria for the type of driver that is profitable for them. A good example of a profitable risk profile might be described as between the ages of 30 and 45, carries full coverage, and insures a new vehicle. A driver who fits those characteristics receive the lowest rate quotes and as a result will probably save a lot of money.

Potential customers who may not quite match those criteria will get higher prices and the customer buying from someone else. If you listen to the ad wording, they say “people who switch” but not “everyone who gets a quote” save that kind of money. That’s why companies can truthfully lure you into getting a quote. This really drives home the point why drivers should compare many company’s premium rates. It is impossible to predict which company will have the lowest rates.

Car insurance coverage specifics

Learning about specific coverages of a car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. These are typical coverage types offered by car insurance companies.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for doctor visits, ambulance fees, surgery, chiropractic care and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability

Liability insurance provides protection from damage that occurs to people or other property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as emergency aid, medical expenses and structural damage. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Collision coverage

Collision insurance pays for damage to your Express from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like sideswiping another vehicle, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive protection

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like vandalism, damage from a tornado or hurricane, hail damage, damage from getting keyed and damage from flooding. The highest amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Chevy Express.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

You can do this!

When shopping online for insurance, make sure you don’t sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced collision coverage only to regret that it was a big error on their part. Your focus should be to purchase plenty of coverage at a price you can afford, but do not skimp to save money.

We’ve covered a lot of tips how to get a better price on 2017 Chevy Express insurance. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest car insurance rates come from some of the smallest insurance companies. Some small companies may only write in your state and offer lower premium rates than their larger competitors like State Farm and Allstate.

Much more information about insurance can be found on the following sites: