How Much Does 2006 Chevrolet Express Insurance Cost?

Think you have high-priced insurance? Don’t sweat it because you’re not the only one. People have multiple car insurance companies to pick from, and even though it’s nice to have a choice, too many choices makes it more difficult to compare rates.

It is always a good idea to do rate comparisons yearly because insurance prices fluctuate regularly. If you had the best deal on Express coverage on your last policy you may be paying too much now. Block out anything you think you know about insurance because it’s time to teach you one of the best ways to save on insurance.

Finding affordable protection is simple if you know the tricks. If you have insurance now or are just looking to switch companies, you will benefit by learning to reduce the price you pay while maximizing coverage. Drivers just need to understand the tricks to shop for auto insurance on the web.

Insurance premium influencing factors

Many things are taken into consideration when pricing auto insurance. Most are fairly basic such as traffic violations, although others are not as apparent such as your credit history or your financial responsibility.

The following are some of the most common factors utilized by car insurance companies to help set your premiums.

• Low mileage costs less – Driving more miles each year the more you will pay for insurance coverage. The majority of insurers charge rates based upon how much you drive. Cars and trucks that do not get driven very much get more affordable rates than vehicles that are driven to work every day. Double check that your vehicle rating states the correct driver usage. An incorrectly rated Express is throwing money out the window.
• Cheap rates for being claim-free – Insurance companies award most affordable rates to insureds who only file infrequent claims. If you are a frequent claim filer, you can look forward to higher premiums or even policy non-renewal. Insurance coverage is intended to be relied upon for claims that you cannot pay yourself.
• Multiple policies with one company can save – Most major insurance coverage companies allow discounts to insureds who buy several policies from them. It’s known as a multi-policy discount. If you currently are using one company, consumers should still comparison shop to ensure the best deal.
• Vehicles with better crash test results lower prices – Safer cars cost less to insure. Safer cars protect occupants better and better occupant protection means less claims paid which can mean better rates for you.

How to compare free insurance coverage price quotes

Finding cheap 2006 Chevy Express insurance coverage quotes is not rocket science. You just need to invest a little time to get quotes to see which company has affordable insurance quotes. It’s super easy and can be done in just a few minutes using one of these methods.

The most efficient way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This style of form prevents you from having to do separate forms for every company. One form will get you price quotes from multiple companies.

A less efficient way to analyze rates is to take the time to go to each company website to complete their respective quote request forms. For examples sake, we’ll assume you want to view quotes from Auto-Owners, Progressive and GMAC. In order to get each rate, you would have to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular. To view a list of companies in your area, click here.

Which method you use is up to you, but do your best to enter exactly the same quote information on every quote. If you are comparing different coverage information it will be very difficult to truly determine the lowest rate.

More discounts mean cheap premiums

Some companies don’t always list every disount available very clearly, so we researched a few of the more common and the harder-to-find discounts that may be available. If you do not check that you are getting every discount possible, you are not getting the best rate possible.

• Save with a New Car – Buying a new car instead of a used car may earn a small discount since new vehicles are generally safer.
• Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy a life policy as well.
• Discount for Swiching Early – Some companies provide a discount for switching companies before your current policy expires. You can save around 10% with this discount.
• Sign Online – A few larger online companies will provide an incentive shop insurance over the internet.
• Federal Government Employee – Having worked for a branch of the government could cut as much as 10% off on Express coverage but check with your company.
• Use Seat Belts – Drivers who require all occupants to use their safety belts can save up to 15% off the PIP or medical payment premium.
• Low Mileage Discounts – Low annual miles could earn better rates on cars that stay parked.
• Theft Deterent Discount – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
• Distant College Student Discount – Any of your kids who are attending college and leave their car at home may be insured at a cheaper rate.

Remember that most discounts do not apply to the entire cost. Most only cut individual premiums such as comp or med pay. Just because you may think you can get free auto insurance, companies don’t profit that way.

If you would like to see a list of auto insurance companies who offer free auto insurance quotes, click this link.

It’s not one size fits all

When it comes to choosing the right insurance coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions could help you determine whether your personal situation could use an agent’s help.

• Do all my vehicles need collision coverage?
• Are rock chip repairs covered?
• Who is covered by my policy?
• What is no-fault insurance?
• Why do I need rental car insurance?
• Should I buy more coverage than the required minimum liability coverage?
• Will filing a claim cost me more?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Coverages available on your policy

Having a good grasp of a insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages offered by insurance companies.

Auto liability insurance

This protects you from damages or injuries you inflict on other’s property or people in an accident. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things such as legal defense fees, medical services, attorney fees, structural damage and emergency aid. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Chevy Express.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are set the same as your liablity limits.

Collision coverage protection

This coverage will pay to fix damage to your Express from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as driving through your garage door, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Comprehensive auto coverage

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a deer, a broken windshield, hitting a bird, damage from getting keyed and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses such as doctor visits, dental work and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Shop Smart and Save

Cheap 2006 Chevy Express insurance is possible online as well as from independent agents, so you should compare both to have the best rate selection. Some companies don’t offer online rate quotes and these regional insurance providers provide coverage only through independent agencies.

When buying insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase plenty of coverage for the lowest cost, but do not skimp to save money.

More information is located on the following sites:

• Young Drivers: The High Risk Years Video (iihs.org)
• Choosing a Car for Your Teen (State Farm)
• Older Drivers FAQ (iihs.org)
• Smart Auto Insurance Tips (Insurance Information Insitute)