Compare 1999 Chevrolet Express Insurance Rates

Trying to find lower car insurance rates? Buyers have many options when searching for the best price on Chevy Express insurance. You can either waste hours struggling with agents getting price quotes or utilize the internet to compare rates. There are both good and bad ways to buy car insurance so we’re going to tell you the best way to compare rates on a Chevy and obtain the cheapest rates either online or from local insurance agents.

Auto insurance quotes comparison

There are a variety of methods to shop for auto insurance, but some are less time-consuming than others. You can spend your afternoon driving to insurance agencies in your area, or you can utilize the internet to get pricing more quickly.

Many companies belong to an insurance system that allows shoppers to submit one quote, and at least one company can provide price quotes based on the submitted data. This system prevents you from having to do repetitive form submissions to each individual auto insurance company.

To enter your information into the quoting system, click to open in new window.

The one downside to getting quotes like this is you don’t know exactly the providers to get quotes from. So if you want to select specific insurance companies for rate comparison, we have assembled a list of companies who write auto insurance in your area. View list of insurance companies.

The approach you take is up to you, just make darn sure you compare exactly the same quote information on every price quote you get. If you enter differing limits it’s impossible to make a fair rate comparison.

Misconceptions in auto insurance advertisements

Consumers can’t escape the ads that promise big savings from the likes of Allstate, Geico and Progressive. All the ads seem to make the promise about saving some big amount after switching your coverage to them.

How does every auto insurance company sell you cheaper insurance coverage? It’s all in the wording.

Insurance providers have specific criteria for the right customer that is profitable for them. A good example of a profitable customer might be a mature driver, carries high limits, and has a high credit rating. Any customer who fits that profile will get a cheap rate quote and as a result will probably save money with a new company.

Potential insureds who do not fit these stringent criteria may receive a more expensive rate with the end result being the customer buying from a different company. If you pay close attention to the ads, they say “customers who switch” not “all people who quote” save that much. That’s why insurance companies can advertise the way they do. That is why you need to get as many free insurance quotes as possible. It’s impossible to know with any certainty which company will have the lowest premium rates for your situation.

Insurance companies offer many types of discounts

Some insurance providers don’t list all their discounts in an easy-to-find place, so the list below gives a summary of both well-publicized in addition to some of the lesser obvious discounts you could be receiving when you buy insurance online.

• Service Members Pay Less – Being deployed with a military unit can result in better premium rates.
• Early Renewal Discounts – Select larger companies give a discount for buying a new policy early. It could save around 10% when you buy insurance online.
• Accident Free – Insureds with no claims or accidents get the best insurance rates in comparison to drivers who are more careless.
• Discount for Multiple Policies – If you can bundle your auto and homeowners insurance with one company you may save up to 20% off your total premium.
• Paper-free Discount – Many insurance companies will discount your bill up to fifty bucks simply for signing on their website.
• Life Insurance Discount – Some insurance companies give better insurancerates if you take out a life policy as well.
• Good Grades Discount – A discount for being a good student can earn a discount of 20% or more. Most companies allow this discount until age 25.
• Defensive Driving Course – Taking part in a defensive driver course can save you 5% or more if you qualify.
• College Student – Youth drivers who are attending college and do not take a car to college could get you a discount.
• Telematics Devices – Insureds that choose to allow their company to analyze their driving habits through the use of a telematics system such as Progressive’s Snapshot may get a rate reduction as long as the data is positive.

One last thing about discounts, most discounts do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, you’re out of luck.

A few of the larger companies and their possible discounts are included below.

• Progressive may include discounts for multi-policy, homeowner, online quote discount, multi-vehicle, good student, and continuous coverage.
• Geico policyholders can earn discounts including multi-policy, defensive driver, good student, federal employee, air bags, and anti-theft.
• State Farm may have discounts that include Steer Clear safe driver discount, good driver, accident-free, good student, multiple policy, defensive driving training, and passive restraint.
• Esurance includes discounts for emergency road assistance, anti-theft, defensive driver, Pac-12 alumni, renters, claim free, and online shopper.
• The Hartford offers discounts including driver training, anti-theft, air bag, vehicle fuel type, good student, and defensive driver.

When comparing rates, check with every insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts might not apply in your area. To view insurers who offer free insurance quotes, click this link.

Do I just need basic coverages?

When choosing proper insurance coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining whether your personal situation could use an agent’s help.

• Can I rent a car in Mexico?
• When can I cancel my policy?
• Are rock chip repairs covered?
• Is motorclub coverage worth it?
• Is my ex-spouse still covered by my policy?
• Do I need PIP (personal injury protection) coverage in my state?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Car insurance coverages and their meanings

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

Collision – Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as crashing into a building, sideswiping another vehicle, colliding with another moving vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for expenses such as X-ray expenses, doctor visits and dental work. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to 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 not available in all states and may carry a deductible

Comprehensive coverages – This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as vandalism, damage from flooding, hitting a deer and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your 1999 Chevy Express.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability auto insurance – This will cover damages or injuries you inflict on a person or their property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against things like pain and suffering, court costs, bail bonds, loss of income and structural damage. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Be a penny pincher

Consumers switch companies for a number of reasons such as high prices, denial of a claim, not issuing a premium refund or delays in responding to claim requests. Regardless of your reason for switching companies, finding a new auto insurance company can be pretty painless.

When getting insurance quotes online, make sure you don’t skimp on coverage in order to save money. There are many occasions where an insured cut liability limits or collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. The aim is to purchase plenty of coverage at an affordable rate, but do not sacrifice coverage to save money.

Discount 1999 Chevy Express insurance can be bought on the web and with local insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance companies may not offer online quoting and many times these small, regional companies sell through local independent agents.

More detailed auto insurance information is available in these articles:

• State Car Insurance Guides (Geico)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Eight Auto Insurance Myths (Insurance Information Insitute)