2003 Chevrolet Express Insurance Quotes

Looking for the cheapest insurance rates for your Chevrolet Express? Finding the cheapest insurance for a Chevy Express could be a painful process, but you can follow a few tricks to find lower rates. There is a right way and a wrong way to buy insurance and we’ll show you the best way to price shop coverage for a new or used Chevy and obtain the cheapest rates.

It’s smart to get comparison quotes as often as possible because insurance prices trend upward over time. Even if you think you had the lowest rates for Express insurance six months ago you may be paying too much now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to one of the easiest ways to reduce your cost while improving coverage.

Finding the best rates is not that difficult. If you have insurance now or need a new policy, you can learn to reduce the price you pay while maintaining coverages. Consumers only need an understanding of how to compare company rates on the web.

Auto insurance discounts are available to slash your rates

Properly insuring your vehicles can get expensive, but there’s a good chance there are discounts that you may not know about. A few discounts will be applied at the time of purchase, but less common discounts must be asked about in order for you to get them. If you check and find you aren’t receiving every discount possible, you are paying more than you should be.

• Good Student Discount – Being a good student may save as much as 25% on a car insurance quote. The good student discount can last up to age 25.
• College Student Discount – Children who live away from home to go to college without a vehicle on campus can receive lower rates.
• New Vehicle Savings – Adding a new car to your policy can save up to 30% because newer models are generally safer.
• Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
• Include Life Insurance and Save – Select insurance companies reward you with a small discount if you purchase auto and life insurance together.
• ABS Brakes – Cars and trucks with ABS and/or traction control can avoid accidents and therefore earn up to a 10% discount.
• Active Military Service – Being on active deployment in the military may lower your prices slightly.
• Discounts for Multiple Vehicles – Buying insurance for primary and secondary vehicles with the same auto insurance company can get a discount for every vehicle.
• Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.

Please keep in mind that most credits do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears you could get a free auto insurance policy, auto insurance companies aren’t that generous.

Companies who may offer some of the discounts shown above include:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

When getting a coverage quote, ask all companies you are considering what discounts are available to you. Depending on the company, some discounts may not be offered everywhere. To find insurers that offer some of these discounts, click here to view.

How to find low cost insurance

Shopping for lower insurance rates can be challenging if you aren’t aware of the most efficient way. You can spend your afternoon driving to agents in your area, or you could use online quoting to accomplish the same thing much quicker.

Most major companies belong to an insurance system where insurance shoppers only type in their quote data once, and every company returns a rated price based on the submitted data. This prevents consumers from doing quotation requests to each individual insurance company.

To find out how much you’re overpaying now click here to start a free quote.

One minor caviat to doing it this way is that consumers can’t choose which carriers you will receive quotes from. So if you want to choose individual companies to receive pricing from, we have a page of companies who write insurance in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but be sure you’re using equivalent information on every quote you get. If you have mixed coverages it will be very difficult to decipher which rate is best.

Everyone needs different auto insurance coverages

When it comes to buying the best auto insurance coverage, there really is no cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

• I don’t drive much so do I pay less?
• Do I need special endorsements for business use of my vehicle?
• Why does it cost so much to insure a teen driver?
• What exactly is covered by my policy?
• Can I afford low physical damage deductibles?
• Am I covered when driving on a suspended license?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can help protect your family.

Car insurance policy coverages for a Chevy Express

Understanding the coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Chevy Express.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Coverage for liability

Liability insurance provides protection from damage that occurs to other’s property or people. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like medical expenses, funeral expenses and bail bonds. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as vandalism, hitting a deer, fire damage and damage from getting keyed. The most your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses for EMT expenses, rehabilitation expenses and pain medications. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Collision protection

Collision insurance covers damage to your Express caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, scraping a guard rail, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Never pay more for less

Drivers leave their current company for a variety of reasons including delays in paying claims, unfair underwriting practices, extreme rates for teen drivers and even policy cancellation. Whatever your reason, choosing a new company can be easy and end up saving you some money.

In this article, we presented many ideas to save on 2003 Chevy Express insurance. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on auto insurance is with a small mutual company.

As you restructure your insurance plan, make sure you don’t skimp on critical coverages to save a buck or two. In many cases, drivers have reduced physical damage coverage only to regret that it was a big mistake. Your focus should be to find the BEST coverage for the lowest cost, but don’t skip important coverages to save money.

More information

• Preventing Carjacking and Theft (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)