Save on 1998 Chevrolet Express Insurance Cost

Searching for budget-priced car insurance online may be rather challenging for vehicle owners not familiar with comparing and buying car insurance over the internet. With such a large number of insurance companies available, how can drivers have the ability to compare each option to find the best pricing?

Chevy Express insurance price factors

Smart consumers have a good feel for the different types of things that come into play when calculating insurance rates. If you have a feel for what controls the rates you pay, this enables you to make decisions that may result in big savings.

Listed below are some of the most common factors that factor into premiums.

• Deter theft and save – Choosing to buy a car with a theft deterrent system can earn a premium discount. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent auto theft and help lower rates.
• Being married can lower rates – Being married can actually save you money on your policy. Marriage is viewed as being more stable financially and statistics prove drivers who are married are more cautious.
• Youthful drivers pay high costs – Older people tend to be more responsible, are lower risk to insure , and usually have better credit.Inexperience drivers are known to be inattentive in a vehicle and because of this, their insurance rates are much higher.
• Cheaper rates by combining – Lots of insurance companies provide lower prices to people that have more than one policy such as combining an auto and homeowners policy. Even with this discount, it’s always a smart idea to compare other company rates to ensure the best deal.There is a chance you can save even more by buying from different companies
• Extra policy coverages that may not be needed – There are quite a few add-on coverages you can purchase when buying insurance. Coverages like roadside assistance, high-cost glass coverage, and term life insurance could be just wasting money. These may sound like a good investment when discussing your needs, but your needs may have changed so get rid of them and save.
• Pleasure use or commuting – Driving a lot of miles annually the higher your rates will be. Almost all companies rate vehicles partially by how you use the vehicle. Cars that are left in the garage receive lower rates compared to those used for work or business. An incorrectly rated Express may be costing you higher rates. Make sure your insurance declarations sheet correctly shows the proper vehicle usage.
• Are you male or female? – The statistics show that females take fewer risks when driving. This data doesn’t prove that men are WORSE drivers than women. Men and women cause accidents in similar percentages, but males cause more damage and cost insurance companies more money. Men also tend to get ticketed for serious violations like reckless driving and DUI.
• Costs impacted by your city – Having an address in smaller towns and rural areas of the country may provide you with better prices when insuring your vehicles. People who live in big cities have to deal with traffic congestion and much longer commute distances. Fewer people means reduced accidents.

Free insurance price quotes

Most companies provide prices for coverage online. Obtaining pricing is easy for anyone because it’s just a matter of typing in the amount of coverage you want as requested by the quote form. When complete, the system automatically orders credit information and your driving record and generates pricing information based on these factors.

Being able to quote online simplifies rate comparisons, but having to visit different websites and complete many quote forms can be a bit repetitive. But it is imperative to perform this step if you want to find a better rate.

Online rates the easy way

The smarter way to locate the lowest prices utilizes a single form to get prices from several different companies. It’s a real time-saver, helps eliminate reptitive entry, and makes online shopping much simpler. As soon as you send your information, it gets priced with multiple companies and you can pick any one of the quotes that you receive.

If the quotes result in lower rates, you simply finish the application and buy the policy. The entire process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To save time and fill out one form to compare multiple rates now, click here and submit the form. If you have coverage now, it’s recommended you input the insurance coverages identical to your current policy. This way, you will have an apples-to-apples comparison using the exact same coverages.

Find discounts on insurance

Some insurers don’t always advertise all available discounts very clearly, so we took the time to find a few of the more common and also the more inconspicuous discounts that may be available.

• E-sign – Many insurance companies may give you up to $50 for signing up over the internet.
• Student in College – Youth drivers who are attending college without a vehicle on campus can be insured at a reduced rate.
• Auto/Life Discount – Larger insurance carriers have a discount if you purchase some life insurance too.
• Discount for Passive Restraints – Factory options such as air bags or automatic seat belts may qualify for discounts of more than 20%.
• Telematics Data – Policyholders that allow their company to analyze driving patterns by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they show good driving skills.
• Federal Employees – Employees or retirees of the government could cut as much as 10% off for Express insurance with select insurance companies.
• Seat Belt Discounts – Drivers who require all occupants to buckle up can save a little off the personal injury premium cost.
• Senior Citizens – Drivers over the age of 55 are able to get a small discount on rates for Express insurance.
• Military Discounts – Having a family member in the military could be rewarded with lower rates.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. A few only apply to specific coverage prices like comprehensive or collision. Even though it appears it’s possible to get free car insurance, you won’t be that lucky. Any qualifying discounts will help lower your overall premium however.

Popular insurance companies and some of the discounts include:

• State Farm offers premium reductions for multiple autos, Steer Clear safe driver discount, anti-theft, passive restraint, and accident-free.
• Farmers Insurance offers discounts including youthful driver, teen driver, good student, distant student, and bundle discounts.
• Progressive policyholders can earn discounts including online signing, good student, online quote discount, multi-policy, continuous coverage, homeowner, and multi-vehicle.
• Geico offers discounts for daytime running lights, air bags, federal employee, driver training, membership and employees, and good student.
• Auto-Owners Insurance has discounts for paid in full, anti-theft, safe driver, paperless, student away at school, and anti-lock brakes.
• The Hartford includes discounts for driver training, good student, air bag, anti-theft, and defensive driver.
• Farm Bureau discounts include good student, driver training, youthful driver, safe driver, multi-vehicle, and multi-policy.
• USAA may include discounts for safe driver, vehicle storage, defensive driver, new vehicle, and military installation.

When quoting, ask every insurance company to apply every possible discount. Some discounts may not apply to policyholders in your area. If you would like to choose from a list of providers who offer discounts, click this link.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is no one size fits all plan. Everyone’s needs are different.

These are some specific questions may help highlight if you could use an agent’s help.

• Am I covered when using my vehicle for business?
• What happens if I owe more than my 1998 Chevy Express is worth?
• Am I better off with higher deductibles on my 1998 Chevy Express?
• Does insurance cover damages from a DUI accident?
• Why am I required to buy liability insurance?
• When does my teenage driver need to be added to my policy?

If you don’t know the answers to these questions, 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.

Information about specific coverages

Having a good grasp of car insurance can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive protection

Comprehensive insurance will pay to fix 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 can pay for things such as fire damage, rock chips in glass, theft, damage from getting keyed and hitting a deer. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability auto insurance

Liability insurance can cover damage that occurs to other’s property or people by causing an accident. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things like court costs, loss of income, pain and suffering, medical expenses and structural damage. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like ambulance fees, pain medications and hospital visits. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Collision insurance

Collision insurance covers damage to your Express resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as damaging your car on a curb, sustaining damage from a pot hole, hitting a parking meter, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Affordable insurance is out there

People change insurance companies for many reasons like denial of a claim, high rates after DUI convictions, policy cancellation and extreme rates for teen drivers. No matter why you want to switch, finding a new insurance coverage company is actually quite simple.

When buying insurance coverage, do not buy poor coverage just to save money. In many cases, drivers have reduced uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. Your focus should be to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.

In this article, we covered a lot of information how to reduce 1998 Chevy Express insurance premium rates online. The key concept to understand is the more providers you compare, the higher the chance of saving money. Consumers could even find that the lowest priced insurance coverage comes from a smaller regional carrier.

For more information, feel free to visit the articles below:

• Auto Crash Statistics (Insurance Information Insitute)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Avoiding Deer Collisions (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)