Save on 1997 Chevrolet Express Insurance Rates

Searching for lower auto insurance rates? Consumers have many options when looking for low-cost Chevy Express insurance. You can either waste hours struggling with agents to compare prices or utilize the internet to make rate comparisons.

There are more efficient ways to buy auto insurance so you’re going to learn the best way to compare rates for a new or used Chevy and obtain the cheapest rates from both online companies and local agents.

Smart consumers take time to quote other rates quite often because prices go up and down regularly. Just because you found the best deal for Express coverage a few years ago there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the right way to lower your rates without sacrificing coverage.

Don’t overlook these auto insurance discounts

Insuring your vehicles can cost a lot, but there are discounts available that you may not know about. A few discounts will automatically apply at the time of quoting, but some must be manually applied before they will apply.

• Student Discounts – Getting good grades can get you a discount of up to 25%. The discount lasts up to age 25.
• Payment Discounts – If you pay your bill all at once instead of paying each month you could save 5% or more.
• Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts can receive discounts of 20% or more.
• Buy New and Save – Insuring a vehicle that is new can get you a discount since newer models have better safety ratings.
• ABS Braking Discount – Cars and trucks with ABS and/or traction control are much safer to drive and the ABS can save up to 10%.
• Discounts for Multiple Vehicles – Drivers who insure primary and secondary vehicles with the same company can reduce rates for all insured vehicles.
• Responsible Driver Discount – Safe drivers could pay up to 40% less for Express coverage than less cautious drivers.
• Employee of Federal Government – Being employed by or retired from a federal job could qualify for a slight premium decrease for Express coverage with a few auto insurance companies.
• Accident-Free Discounts – Good drivers with no accidents are rewarded with significantly better rates on car insurance quote as compared to bad drivers.

As a sidenote, many deductions do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as medical payments or collision. Just because you may think you could get a free auto insurance policy, companies don’t profit that way.

Large auto insurance companies and some of their more popular discounts are:

• State Farm includes discounts for accident-free, Steer Clear safe driver discount, multiple policy, defensive driving training, and anti-theft.
• Progressive offers discounts for multi-policy, online quote discount, online signing, homeowner, and good student.
• Travelers may include discounts for new car, home ownership, student away at school, save driver, and early quote.
• American Family policyholders can earn discounts including good driver, multi-vehicle, air bags, Steer into Savings, and accident-free.
• Liberty Mutual offers premium reductions for multi-policy, newly married, newly retired, exclusive group savings, and multi-car.

Before buying, ask every company which discounts you may be entitled to. Some credits might not be available to policyholders in your area.

Lower your insurance prices

Smart consumers have a good feel for a few of the rating criteria that go into determining the price you pay for auto insurance. When consumers understand what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in lower auto insurance prices.

• Credit rating impacts costs – Credit score is a big factor in your rate calculation. Drivers with high credit ratings tend to be more responsible than drivers with worse credit. If your credit is not that good, you could save money insuring your 1997 Chevrolet Express by improving your rating.
• Cheaper rates for prior coverage – Having a gap between insurance policy dates can be a sure-fire way to increase your rates. And not only will your rates increase, not being able to provide proof of insurance will get you a steep fine or even jail time.
• Marriage is a factor – Getting married actually saves money compared to being single. Marriage may mean you are more stable financially and statistics show married couples file fewer claims.
• Get a ticket, pay higher prices – Your driving citation history has a huge affect on how much you pay. Even one citation can increase the cost of insurance twenty percent or more. Drivers with clean records have lower premiums than their less careful counterparts. People who have careless tickets such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
• Avoid unnecessary add-on coverages – Policies have additional extra coverages that you can buy on your auto insurance policy. Add-on coverages like coverage for rental cars, death and dismemberment, and Farm Bureau memberships may be wasting your money. They may seem like a good idea when deciding what coverages you need, but if they’re wasting money consider taking them off your policy.
• Know your vehicle’s IIHS safety rating – Safe vehicles tend to have better insurance rates. The safest vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders.

When to get professional advice

When choosing the best insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions can help discover whether or not you might need an agent’s assistance.

• Can I still get insurance after a DUI?
• What is PIP insurance?
• Am I covered if I break a side mirror?
• What can I do if my company denied a claim?
• When would I need rental car insurance?
• Can I afford to buy a different vehicle if my 1997 Chevy Express is totaled?
• Is business equipment covered while in my vehicle?
• Should I buy more coverage than the required minimum liability coverage?
• Should I put collision coverage on all my vehicles?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Auto insurance coverage breakdown

Learning about specific coverages of your auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for bills for things like hospital visits, dental work and chiropractic care. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Collision coverages – Collision coverage pays for damage to your Express resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as driving through your garage door, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 1997 Chevy Express.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently these limits are identical to your policy’s liability coverage.

Liability insurance – Liability coverage will cover injuries or damage you cause to other’s property or people that is your fault. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims such as structural damage, medical services, bail bonds and legal defense fees. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Comprehensive coverage – Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like fire damage, rock chips in glass, falling objects, hitting a bird and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Make an honest buck

Affordable 1997 Chevy Express insurance can be found both online and also from your neighborhood agents, so you should compare both to have the best rate selection. Some insurance companies do not provide online price quotes and many times these regional insurance providers only sell through local independent agencies.

Consumers switch companies for a variety of reasons including denial of a claim, lack of trust in their agent, extreme rates for teen drivers and policy non-renewal. It doesn’t matter why you want to switch choosing a new insurance company is pretty simple and you could end up saving a buck or two.

We just presented many ideas to save on 1997 Chevy Express insurance. The most important thing to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest premium rates come from some of the lesser-known companies.

For more information, link through to the resources below:

• How to Avoid Staged Accidents (State Farm)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)
• Vehicle Size and Weight FAQ (iihs.org)