Lower Your 2001 Chevrolet Express Insurance Quotes

One thing to note about discounts is that most of the big mark downs will not be given to your bottom line cost. Most only cut the price of certain insurance coverages like comp or med pay. So even though they make it sound like you could get a free auto insurance policy, you aren’t that lucky.

A list of auto insurance companies and the discounts they provide are:

• State Farm discounts include good driver, driver’s education, multiple autos, Steer Clear safe driver discount, and anti-theft.
• Geico has savings for federal employee, defensive driver, daytime running lights, emergency military deployment, membership and employees, and air bags.
• Liberty Mutual may include discounts for hybrid vehicle, new graduate, teen driver discount, safety features, new vehicle discount, and new move discount.
• The Hartford offers premium reductions for anti-theft, defensive driver, bundle, driver training, vehicle fuel type, and air bag.
• MetLife includes discounts for defensive driver, multi-policy, claim-free, good student, accident-free, and good driver.
• Progressive may offer discounts for multi-policy, homeowner, continuous coverage, multi-vehicle, online quote discount, good student, and online signing.

If you are trying to find low cost insurance quotes, ask each company or agent which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policyholders in your area.

Lower your insurance prices

Consumers need to have an understanding of some of the things that aid in calculating your policy premiums. If you understand what influences your rates, this helps enable you to make changes that could result in cheaper rates. Many things are part of the equation when you quote your car insurance policy. A few of the factors are predictable like your driving record, but others are less obvious like your continuous coverage and annual miles driven.

• Cheaper premiums for being claim-free – Car insurance companies generally give better rates to insureds who are claim-free. If you frequently file small claims, you can definitely plan on much higher rates or policy non-renewal. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
• High credit scores save money – Having a good credit history is a large factor in determining what you pay for car insurance. Insureds that have excellent credit tend to file fewer claims and have better driving records as compared to drivers with worse credit. So if your credit leaves room for improvement, you could pay less to insure your 2001 Chevrolet Express if you clean up your credit.
• Driving citations can be expensive – Attentive drivers have lower premiums than people who have multiple driving citations. Getting just one citation can increase rates by twenty percent. Drivers who have license-revoking tickets like hit and run, DWI or reckless driving convictions may need to maintain a SR-22 with their state’s licensing department in order to drive a vehicle legally.
• Lower rates by increasing physical damage deductibles – Insurance for physical damage, also known as collision and other-than-collision, insures against damage to your Chevy. A few examples of covered claims would be a broken windshield, flood damage, and damage from a fallen tree branch. Comp and collision deductibles tell how much you are required to spend out-of-pocket in the event of a claim. The higher the amount the insured is willing to pay, the better rate you will receive on Express insurance.
• Add-on coverages can cost a lot – There are a ton of add-on coverages that can add up if you aren’t diligent. Insurance for things like replacement cost coverage, towing coverage, and extra equipment coverage may not be needed and are just wasting money. They may seem good when discussing your needs, but your money might be better spent on other coverage so consider taking them off your policy.
• The more you drive the more you pay – The more you drive each year the more it will cost to insure it. Many insurance companies charge rates based on their usage. Autos that do not get driven very much receive better premium rates than those that get driven frequently. An incorrectly rated Express may be costing you higher rates. It’s a smart idea to ensure your car insurance declarations sheet is showing the proper vehicle usage, because improper ratings can cost you money.

Different people need different car insurance coverages

When buying coverage, there really is not a perfect coverage plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that might help in determining if your insurance needs would benefit from professional advice.

• Am I covered if my car is in a flood?
• Is my teenager covered with friends in the car?
• What are the financial responsibility laws in my state?
• Does coverage extend to Mexico or Canada?
• Am I covered when delivering products for my home-based business?
• Does my 2001 Chevy Express need full coverage?
• When should I drop full coverage on my 2001 Chevy Express?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Will you really save $465 on insurance?

Consumers can’t avoid all the ads for the lowest price insurance from companies such as 21st Century, Allstate and State Farm. All the companies advertise the message about saving some big amount just by moving your policy.

How does every insurance company charge less that you’re paying now? Here is how they do it.

Different companies require specific criteria for the driver that earns them the most money. For example, a desirable risk might be between the ages of 40 and 55, carries high limits, and has a high credit rating. Anyone who matches that profile will get the preferred prices and is almost guaranteed to save a lot of money.

Insureds who are not a match for those criteria may receive a higher rate and this can result in the customer buying from a different company. The trick is to say “drivers that switch” but not “everyone who gets a quote” save that kind of money. That’s the way companies can make those statements. This illustrates why you really should compare as many free insurance quotes as you can. It’s just too difficult to predict which company will have better premium rates than you’re paying now.

Educate yourself about insurance coverages

Knowing the specifics of your policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages found on the average insurance policy.

Collision coverage

Collision insurance covers damage to your Express resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with a tree, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for 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, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses such as X-ray expenses, doctor visits and pain medications. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a deer, hail damage, theft, fire damage and rock chips in glass. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability

Liability coverage will cover damage that occurs to people or other property. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability 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.

Liability can pay for things such as bail bonds, attorney fees, court costs and emergency aid. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

More quotes. Lower rates.

As you prepare to switch companies, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at the lowest possible cost, but do not skimp to save money.

We’ve covered some good ideas how you can save on 2001 Chevy Express insurance. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding low cost insurance. Drivers may discover the best premium rates are with the smaller companies. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.

Additional resources

• Understanding your Policy (NAIC.org)
• Credit Impacts Car Insurance Rates (State Farm)
• Bodily Injury Coverage (Liberty Mutual)
• Vehicle Size and Weight FAQ (iihs.org)