How Much Does 1996 Chevrolet Express Car Insurance Cost?

Searching for better insurance coverage rates? Consumers have options when looking for low-cost Chevy Express insurance. They can either spend hours struggling with agents trying to get quotes or leverage the internet to get rate quotes.

There are both good and bad ways to shop for insurance coverage so you’re going to learn the best way to get price quotes for a Chevy and get the lowest price either online or from local insurance agents.

The purpose of this post is to let you in on how to effectively get price quotes and some tips to save money. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these techniques. Drivers just need to understand the proper way to buy insurance coverage on the web.

How to compare insurance coverage price quotes

Getting cheaper 1996 Chevy Express insurance coverage pricing is pretty simple and can save money. Consumers just need to spend a little time to compare free car insurance quotes to find out which insurance company has affordable car insurance quotes. You can get a good selection of rate quotes by using one of the methods below.

• The simplest way to get quotes for comparison is a comparison rater form (click to open form in new window). This quick form saves time by eliminating separate forms for each company you want a rate for. One quote request will get you price quotes from all major companies. This is by far the quickest method.
• A harder way to analyze rates requires you to visit the website of each company to complete their respective quote request forms. For instance, let’s assume you want to view quotes from Geico, Farmers and Progressive. To find out each rate you need to visit each site and punch in your information repeatedly, which can take a lot of time. For a list of links to insurance companies in your area, click here.
• Even if you have time, the least recommended method to get rate quotes to insurance agencies in your area. The ability to quote online has made agencies unnecessary unless you have a need for the professional assistance that you can only get from talking to an agent. However, consumers can obtain prices from the web but have a local agent actually write the policy.

The method you choose is up to you, but double check that you are using the same quote data for every company. If each company quotes different limits and deductibles on each one it will be impossible to truly determine the lowest rate.

Get cheaper insurance rates with discounts

Some insurers don’t necessarily list all disounts in a way that’s easy to find, so here is a list a few of the more common as well as some of the hidden discounts that may be available. If you do not check that you are getting every discount you qualify for, it’s possible you qualify for a lower rate.

• Discounts for Responsible Drivers – Safe drivers can get discounts for up to 45% lower rates for Express coverage than their less cautious counterparts.
• Paperwork-free – A few larger online companies will give a small break shop car insurance on your computer.
• Driver Training Discounts – Participating in a safe driver class may get you a small discount and make you a better driver.
• Distant College Student Discount – who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle could qualify for this discount.
• Early Renewal Discounts – A few larger companies give discounts for signing up prior to your current policy expiration. You could save around 10% when you buy car insurance online.
• Claim-Free Discount – Claim-free drivers have much lower rates when compared to drivers with a long claim history.

As is typical with insurance, most discounts do not apply to all coverage premiums. Some only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way.

Some companies that have these benefits include:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

If you need low cost car insurance quotes, ask every company the best way to save money. Some discounts may not apply to policyholders in your area.

Tailor your insurance coverage to you

When choosing coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover if your insurance needs might need professional guidance.

• Am I covered when driving a rental car?
• What is covered by UM/UIM coverage?
• Is my trailer covered?
• What is high-risk coverage and where do I buy it?
• Is a fancy paint job covered?
• Should I put collision coverage on all my vehicles?
• Am I insured when driving a different vehicle?
• Should I have a commercial auto policy?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form. It is quick, free and may give you better protection.

Smart buyers can lower their insurance rates

Part of the insurance buying process is learning the different types of things that help calculate your policy premiums. When you know what positively or negatively controls the rates you pay, this enables you to make decisions that can help you get lower rates.

The items below are just a few of the factors that factor into your rate level.

• Liability protection limits on your policy – A critical coverage on your policy, liability insurance will provide protection if ever a court rules you are at fault for damages from an accident. It provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.
• Safer cars means cheaper insurance – Cars with high safety ratings tend to have better insurance rates. Vehicles engineered for safety reduce injuries and fewer injuries means your insurance company pays less and cheaper rates on your policy.
• Save money with higher coverage deductibles – Physical damage coverage, also called ‘full coverage’, is used to repair damage to your Chevy. Some coverage claims are running into the backend of another car, vandalism, and rolling your vehicle. Physical damage deductibles state the amount of money you are willing to pay if a covered claim is submitted. The more of the claim you pay before a claim is paid (deductible), the less your insurance will be for Express coverage.
• Cheaper rates after marriage – Being married helps lower the price on your policy. Having a significant other demonstrates that you tend to be less irresponsible and insurance companies like that married drivers tend to have fewer serious accidents.

Can you really save $400 a year?

Consumers can’t get away from all the ads that claim the lowest premium rates from the likes of Allstate and Progressive. They all make the point that you can save if you switch your insurance policy to them.

How do they all charge lower premium rates? It’s all in how they say it.

Insurance providers give the best rates for the right customer they prefer to insure. An example of a desirable risk might be between 25 and 40, has never had a policy lapse, and drives newer vehicles. Any customer who fits those characteristics receive the lowest rate quotes and as a result will probably save a lot if they switch.

Potential customers who are not a match for these stringent criteria will probably be forced to pay higher prices and this can result in the customer buying from someone else. The ads say “drivers who switch” not “everyone that quotes” can save as much as they claim. That’s why companies can make claims that they all have the best rates.

Different companies use different criteria so you need to quote coverage with many companies. It is impossible to predict which insurance companies will fit you best based on your risk profile.

Educate yourself about insurance coverages

Understanding the coverages of a insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Liability

Liability insurance can cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things such as repair bills for other people’s vehicles, loss of income and medical expenses. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Collision coverage protection

This coverage covers damage to your Express resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like driving through your garage door, colliding with another moving vehicle, crashing into a ditch and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Express.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for immediate expenses for chiropractic care, EMT expenses and X-ray expenses. They can be used in conjunction with a 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 as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as vandalism, damage from flooding and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Don’t be a big spender

We just covered some good ideas how to lower your 1996 Chevy Express insurance prices. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from the smaller companies.

Insureds leave their current company for a number of reasons such as not issuing a premium refund, an unsatisfactory settlement offer, policy non-renewal or questionable increases in premium. No matter why you want to switch, finding a new insurance coverage company can be less work than you think.

Cheaper insurance coverage is definitely available from both online companies and also from your neighborhood agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not provide internet price quotes and these smaller companies sell through independent agencies.

More information

• How do I File a Claim? (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)
• Airbag FAQ (iihs.org)
• Distracted Driving (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)