Lower Your 2007 Chevrolet Express Insurance Cost

Searching for the cheapest insurance rates for your Chevrolet Express? Tired of being strong-armed to buy insurance? You are no different than many other drivers.

There is such a variety of auto insurance companies to buy insurance from, and although it’s a good thing to be able to choose, having more insurers makes it harder to find the best rates for your vehicles.

Finding the best rates is not rocket science. If you currently have car insurance, you will be able to cut costs considerably using these methods. Although car owners must understand how big insurance companies determine prices and apply this information to your search.

Free car insurance price quotes

To find low cost prices, there are a couple of ways to obtain and compare prices from different insurance companies. The easiest way to compare rates consists of obtaining rate quotes online. It is quite easy and can be accomplished by using one of the methods below.

1. The easiest and least time consuming way consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This style of form saves time by eliminating separate forms for each company you want a rate for. A single form will get you price quotes from multiple low-cost companies.
2. A more difficult way to analyze rates is to take the time to go to the website for each individual company and complete a new quote form. For examples sake, we’ll assume you want comparison quotes from Allstate, State Farm and Geico. In order to get each rate, you would have to spend time going to each site individually to enter your coverage information, which is not fast way to get rate quotes.

   For a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just double check that you are using apples-to-apples quote data for each price quote. If you enter mixed coverages it’s not possible to make a fair comparison for your Chevy Express. Slightly different insurance coverages could mean much higher rates. It’s important to know that comparing a wide range of rates helps increase your odds of locating more affordable insurance.

You may qualify for discounts

Companies that sell car insurance don’t list all their discounts very well, so the following is a list of both the well known and the harder-to-find ways to save on insurance coverage.

• Telematics Data Discounts – Insureds that choose to allow their company to monitor where and when they drive through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates as long as they are good drivers.
• Early Signing – Some companies reward drivers for switching companies before your current coverage expires. It’s a savings of about 10%.
• Discounts for Federal Employees – Employees or retirees of the government may reduce rates when you quote insurance for Express insurance with certain companies.
• Theft Prevention Discount – Vehicles optioned with advanced anti-theft systems can help prevent theft so companies will give you a small discount.
• Discount for Life Insurance – Not all companies offer life insurance, but some may give you a discounted price on car insurance if you buy life insurance.
• Drivers Education – It’s a good idea to have your young drivers enroll and complete driver’s education in high school.
• Safety Course Discount – Taking a defensive driving course may get you a small discount and also improve your driving technique.
• Multiple Cars – Buying coverage for all your vehicles on one policy may reduce the rate for each vehicle.
• Distant College Student Discount – Any of your kids who live away from home to go to college and do not take a car to college could qualify for this discount.

Discounts lower rates, but some credits don’t apply to all coverage premiums. Some only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way.

A list of insurance coverage companies and some of the premium reductions they offer are outlined below.

• Progressive offers discounts for online quote discount, multi-policy, multi-vehicle, online signing, and continuous coverage.
• SAFECO offers premium reductions for accident prevention training, teen safe driver, multi-car, drive less, homeowner, teen safety rewards, and safe driver.
• American Family includes discounts for good student, accident-free, early bird, good driver, air bags, and TimeAway discount.
• MetLife offers discounts including multi-policy, good driver, accident-free, claim-free, and good student.
• Geico may have discounts that include military active duty, anti-theft, air bags, five-year accident-free, and federal employee.
• The Hartford has savings for vehicle fuel type, air bag, anti-theft, driver training, and bundle.

Before purchasing a policy, check with every prospective company to give you their best rates. Some of the discounts discussed earlier may not apply in your area. To locate providers with the best insurance coverage discounts, follow this link.

What affects Chevy Express insurance costs?

Multiple criteria are taken into consideration when premium rates are determined. A few of the factors are predictable such as your driving record, but some are not quite as obvious such as your marital status or your vehicle rating.

The items below are some of the things auto insurance companies consider when setting your rate level.

• Liability insurance claims can be big – The liability coverage on your policy will protect you if ever you are found liable for damages from an accident. It provides you with a defense in court which can cost a lot. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
• Your address can influence price – Choosing to live in areas with lower population has definite advantages if you are looking for the lowest rates. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims. Urban drivers tend to have much more traffic and a longer drive to work. More time commuting translates into higher accident risk.
• Higher coverage deductibles are cheaper – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Examples of some claims that would be covered are colliding with a building, collision with an animal, and damage caused by flying debris. The deductibles define the amount the insured will be required to pay before your auto insurance pays a claim. The more you choose to pay out-of-pocket, the lower your rates will be for Express insurance.
• Pleasure use saves money – The higher the mileage driven each year the more you’ll pay to insure your vehicle. Most companies calculate prices based on their usage. Vehicles left parked in the garage receive better premium rates compared to those used for work or business. Having an incorrect usage rating on your Express may be costing you higher rates. Verify your auto insurance coverage is showing the correct usage for each vehicle, because improper ratings can cost you money.
• Safer the car lower the rate – Safer cars tend to have lower insurance rates. Vehicles engineered for safety reduce the chance of injuries and lower injury rates means less money paid by your insurance company which can mean better rates for you. If your Chevy Express is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
• Incidental coverages you don’t use – There are many extra bells and whistles that can waste your money on your auto insurance policy. Coverages for vanishing deductibles, towing coverage, and extra life insurance coverage may be wasting your money. They may seem like a good idea initially, but your money might be better spent on other coverage so consider taking them off your policy.
• Don’t get traffic citations – Having just one driving citation may cause rates to rise by as much as twenty percent. Attentive drivers have lower premiums than their less careful counterparts. Drivers with multiple violations such as reckless driving or DUI are required to maintain a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.

There’s no such thing as the perfect insurance coverage policy

When buying coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different and your policy should reflect that. For example, these questions could help you determine if your insurance needs might need professional guidance.

• Do I pay less if my vehicle is kept in my garage?
• Are all vehicle passengers covered by medical payments coverage?
• Can I drive in Mexico and have coverage?
• What is an SR-22 filing?
• Is a blown tire covered by insurance?
• Am I covered when driving a rental car?
• Do I need higher collision deductibles?
• What companies insure drivers after a DUI or DWI?
• Is my vehicle covered by my employer’s policy when using it for work?
• Is my state a no-fault state?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Auto insurance 101

Having a good grasp of a insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. These are the usual coverages found on most insurance policies.

Comprehensive insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, falling objects, hitting a deer and vandalism. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability

This can cover damage that occurs to other’s property or people. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for things such as structural damage, funeral expenses and emergency aid. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Chevy Express.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for expenses for X-ray expenses, dental work and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Collision insurance

This pays for damage to your Express from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a parking meter, crashing into a building, crashing into a ditch and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Affordable insurance is out there

Budget-conscious 2007 Chevy Express insurance is definitely available online and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who may not offer online quoting and most of the time these regional carriers provide coverage only through local independent agencies.

When getting insurance quotes online, do not buy less coverage just to save a little money. There have been many cases where drivers have reduced liability limits or collision coverage and learned later that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage at the best cost, but do not skimp to save money.

To read more, link through to the following helpful articles:

• Information for Teen Drivers (Geico)
• How to Avoid Staged Accidents (State Farm)
• Insuring a Leased Car (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)