Save on 2002 Chevrolet Express Car Insurance Cost

Looking for lower insurance coverage rates for your Chevrolet Express? If you’re searching for cheaper insurance, are you baffled by the dozens of insurance coverage providers that you can choose from? drivers have such a large number of options that it can really be a real hassle to compare premium rates.

Car insurance discounts help reduce rates

Insurance can cost an arm and a leg, but discounts can save money and there are some available that could help you make your next renewal payment. A few discounts will be applied when you get a quote, but some may not be applied and must be asked about before they will apply.

• Homeowners Savings – Simply owning a home can help you save on car insurance because owning a home is proof that your finances are in order.
• One Accident Forgiven – This isn’t a discount exactly, but some insurance companies permit an accident before your rates go up with the catch being you have to be claim-free prior to being involved in the accident.
• Switch and Save Discount – Some larger companies give discounts for renewing your policy prior to your current policy expiring. You could save around 10% when you buy insurance coverage online.
• Discount for Low Mileage – Keeping the miles down on your Chevy can earn slightly better car insurancerates than normal.
• Pay Upfront and Save – If you can afford to pay the entire bill as opposed to paying monthly you can avoid monthly service charges.
• Anti-theft System – Cars and trucks optioned with advanced anti-theft systems help deter theft and can earn a small discount on your policy.
• Membership in Organizations – Being a member of qualifying employment or professional organizations is a simple method to lower premiums on your next renewal.
• Save with More Vehicles Insured – Purchasing coverage when you have multiple vehicles on one policy can reduce the rates for all insured vehicles.
• Discounts for New Vehicles – Insuring a vehicle that is new can save you some money because new model year vehicles keep occupants safer.
• Defensive Driving Course – Participating in a defensive driver course is a good idea and can lower rates and easily pay for the cost of the class.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. Most only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think having all the discounts means you get insurance for free, you won’t be that lucky. Any amount of discount should definitely cut your policy premium.

A list of companies and their offered discounts are detailed below.

• State Farm offers premium reductions for anti-theft, safe vehicle, defensive driving training, passive restraint, and multiple autos.
• Farmers Insurance offers discounts for homeowner, early shopping, bundle discounts, mature driver, and electronic funds transfer.
• Progressive offers discounts including multi-vehicle, multi-policy, good student, continuous coverage, and homeowner.
• Geico includes discounts for driver training, multi-policy, multi-vehicle, daytime running lights, and seat belt use.
• Auto-Owners Insurance discounts include air bags, teen driver, anti-theft, multi-policy, and anti-lock brakes.
• The Hartford has discounts for vehicle fuel type, anti-theft, good student, bundle, and defensive driver.
• Farm Bureau may have discounts that include multi-policy, youthful driver, driver training, good student, and 55 and retired.
• USAA has savings for safe driver, new vehicle, loyalty savings, vehicle storage, annual mileage, and military installation.

Before you buy a policy, ask every prospective company what discounts are available to you. All car insurance discounts might not apply in your state. To find car insurance companies that offer some of these discounts, click this link.

Which is the best car insurance?

When it comes to choosing adequate coverage for your vehicles, there really is not a cookie cutter policy. Every situation is different.

These are some specific questions might point out if your situation might need an agent’s assistance.

• Do I have coverage when pulling a U-Haul trailer?
• Do I need higher collision deductibles?
• Do I really need UM/UIM coverage?
• Am I covered when driving on a suspended license?
• Why do I need rental car insurance?
• Why am I required to buy high-risk coverage?
• Am I covered if I crash into my own garage door?
• Do I have any recourse if my insurance company denies a claim?
• Should I drop comprehensive coverage on older vehicles?
• Can I pay claims out-of-pocket if I buy high deductibles?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Insurance coverage in the media

Insurance coverage companies such as Allstate and Progressive seem to constantly run television and radio advertisements. All the companies tend to make the same promise that you can save if you switch to their company. How does each company offer drivers better rates? You have to listen carefully.

All the different companies have specific characteristics for a prospective insured that makes them money. A good example of a desirable insured may need to be a married male, owns their home, and has a short commute. A propective insured that meets those criteria will qualify for the lowest car insurance rates as well as cut their rates if they switch.

Insureds who don’t measure up to these standards will have to pay higher prices and this results in the customer buying from someone else. If you pay attention, the ads say “customers who switch” but not “everyone who gets a quote” save that much money. That’s why companies can make those statements. Because each company has a different risk profile, you should do a rate comparison at every renewal. Because without a comparison, you cannot know which insurance companies will be your best fit.

The coverage is in the details

Having a good grasp of your policy can help you determine appropriate coverage for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, vandalism and rock chips in glass. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses for dental work, chiropractic care, X-ray expenses and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Chevy Express.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Liability

Liability insurance provides protection from injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like pain and suffering, legal defense fees, structural damage and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision protection

Collision coverage covers damage to your Express resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like colliding with a tree, scraping a guard rail, hitting a mailbox and backing into a parked car. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

One last thing about your coverage

While you’re price shopping online, never sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced liability coverage limits only to discover later that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage at the best possible price and still be able to protect your assets.

People who switch companies do it for many reasons like poor customer service, lack of trust in their agent, extreme rates for teen drivers and even delays in responding to claim requests. It doesn’t matter what your reason, finding a new car insurance company can be easier than you think.

In this article, we presented a lot of tips how to get a better price on 2002 Chevy Express insurance. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even discover the best price on car insurance is with some of the lesser-known companies.

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

• Teen Driving and Texting (State Farm)
• Tread Depth and Tire Safety (State Farm)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)