2004 Chevrolet Express Insurance Rates – 9 Discounts for Best Quotes

Consumers have many options when looking for the lowest priced Chevy Express insurance. They can either waste time contacting agents to get rate comparisons or utilize the internet to find the lowest rates.

There are more efficient ways to find car insurance online so you’re going to learn the quickest way to get price quotes for your Chevy and obtain the best price possible from both online companies and local agents.

You should take the time to compare premium rates at least once a year because rates change quite often. Even if you got the best premium rates on Express insurance last year a different company probably has better prices today. Forget all the misinformation about car insurance because you’re about to find out how to use online quotes to get good coverage at a lower rate.

If you are insured now or are shopping for new coverage, you will benefit by learning to find better prices while maximizing coverage. The purpose of this post is to help educate you on the best way to quote coverages. Consumers just need to understand the proper methods to get comparison quotes on the web.

Nine discounts to earn cheaper auto insurance rates

Car insurance companies do not list all possible discounts very well, so we break down some of the best known as well as the least known discounts you could be receiving when you buy car insurance online.

• Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen less frequently and earn discounts up to 10% off your car insurance quote.
• Seat Belt Discounts – Using a seat belt and requiring all passengers to use their safety belts may be able to save a few bucks on medical payment and PIP coverage.
• Telematics Devices – Drivers that enable their auto insurance company to spy on driving manner by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they have good driving habits.
• Paperwork-free – Many insurance companies give back up to $50 shop car insurance on the internet.
• Military Discounts – Having a deployed family member may qualify for rate reductions.
• Claim Free – Insureds with no claims or accidents pay much less in comparison with policyholders that have many claims.
• Discounts for Cautious Drivers – Safe drivers could pay up to 40% less on Express insurance compared to rates paid by drivers with frequent claims.
• Save over 55 – If you’re over the age of 55, you may receive a small discount on rates on Express insurance.
• Student Driver Training – Require your teen driver to enroll in driver’s education in school.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

To see a list of insurers who offer cheap auto insurance quotes, click here.

Tailor your insurance coverage to you

When buying adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Every situation is different.

For example, these questions may help you determine if your insurance needs could use an agent’s help.

• Am I covered when pulling a rental trailer?
• Am I covered if I wreck a rental car?
• Do I need motorclub coverage?
• Do I get a pro-rated refund if I cancel my policy early?
• Is my custom paint covered by insurance?
• Why am I required to get a high-risk car insurance policy?
• When can I cancel my policy?
• Am I missing any policy discounts?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

The ad said I’d save $440 a year!

Consumers can’t avoid all the ads that claim the lowest car insurance rates by companies like Progressive, Allstate and Geico. All the ads make the same claim that you can save just by moving your insurance coverage to their company.

That’s great but how can every company sell you cheaper insurance coverage? This is the trick they use.

All companies quote their best rates for a prospective insured that will generate a profit. One example of a desirable risk might be described as between 25 and 40, has few claims, and does not commute to work. Anybody who matches those parameters will most likely get cheap premium rates and is almost guaranteed to cut their rates if they switch.

Potential customers who don’t measure up to the requirements will have to pay higher premiums and this results in the prospect going elsewhere. The wording the ads use say “customers that switch” not “all people who quote” save that much. That’s why insurance companies can confidently make the claims of big savings.

That is why it’s extremely important to compare as many free car insurance quotes as you can. It’s just too difficult to predict with any certainty which company will provide the lowest prices.

Coverages available on your policy

Knowing the specifics of a car insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Collision coverages – Collision coverage will pay to fix damage to your Express caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sustaining damage from a pot hole, hitting a mailbox, damaging your car on a curb, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Comprehensive coverage – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from getting keyed, a tree branch falling on your vehicle, rock chips in glass, theft and damage from flooding. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance – This coverage will cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things like medical expenses, funeral expenses, court costs, attorney fees and legal defense fees. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for expenses for X-ray expenses, EMT expenses and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist coverage – This provides protection from other motorists 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 your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Be a smart shopper

Insureds leave their current company for a variety of reasons including not issuing a premium refund, denial of a claim, policy non-renewal and even high rates after DUI convictions. It doesn’t matter what your reason, switching auto insurance companies is actually quite simple.

You just learned a lot of information how to compare 2004 Chevy Express insurance car insurance rates online. The key concept to understand is the more you quote car insurance, the more likely it is that you will get a better rate. Drivers may discover the best car insurance rates are with a smaller regional carrier.

Budget-friendly auto insurance is possible both online in addition to local insurance agencies, so you should compare both to have the best chance of lowering rates. A few companies may not offer price quotes online and many times these regional carriers provide coverage only through independent insurance agents.

For more information, feel free to browse these articles:

• Tools for Teen Driving Safety (State Farm)
• Teen Driver Statistics (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• Teen Driving Statistics (Geico)