2008 Chevrolet Express Insurance Quotes

Have you fallen victim to an overpriced car insurance policy? You’re in good company because there are many people just like you.

With so many options when it comes to car insurance, it is very difficult to find a lower cost car insurance company.

Where can I get cheap insurance?

To get cheap car insurance quotes, there a variety of ways to compare rate quotes from companies that offer insurance in your state. The simplest method to find the cheapest 2008 Chevy Express insurance rates consists of shopping online. It’s really quite simple and can be done using a couple different methods.

1. The recommended way to compare a lot of rates at once is an all-inclusive rate comparison click here to open form in new window. This style of form eliminates the need for boring form submissions to each individual insurance company. One form submission will get you rate comparisons from several companies.
2. A more time consuming way to compare rate quotes is to take the time to go to the website for each individual company and go through the quote process again. For examples sake, let’s say you want comparison quotes from Allstate, Liberty Mutual and Travelers. You would have to spend time going to each site individually and repeatedly enter your information, which explains why we recommend starting with the first method.

   For a list of links to companies insuring cars in your area, click here.

3. The most difficult method of getting rate comparisons is physically going to and from local insurance agencies. The fact that you can get quotes online eliminates the middleman unless your situation requires the professional advice that can only be provided by a licensed insurance agent. It is possible to price shop your coverage online but purchase the actual policy in an agency.

It’s up to you how you get prices quotes, just be sure to compare the same deductibles and coverage limits for each price quote. If you have different coverage information it’s not possible to get a fair rate comparison. Slightly different coverage limits can make a big difference in price. And when comparing insurance rates, know that comparing more rates from different companies increases the change that you will find the best offered rates.

Slick advertising tricks that work

Popular car insurance providers such as Allstate and Progressive seem to constantly run television and radio advertisements. All the ads say the same thing that you can save if you switch your coverage to them. How is it plausible that every one can claim to save you money? You have to listen carefully.

Different companies have an ideal profile for a prospective insured that earns them the highest profit. A good example of a desirable insured might be over the age of 35, is a homeowner, and has great credit. A driver who meets those qualifications will get the preferred auto insurance rates and most likely will cut their rates if they switch.

People who don’t qualify for these criteria will get more expensive rates which leads to the prospect going elsewhere. The trick companies use is to say “drivers who switch” not “all people who quote” can get the lowest rates when switching. This is how insurance companies can confidently make those statements. That is why you should compare price quotes frequently. Because you never know which car insurance company will have the best rates at this point in time.

Learn how to quote car insurance cheaper

Lots of things are considered when you get a price on insurance. A few of the factors are predictable such as your driving record, but other factors are less apparent like where you live and annual miles driven.

The following are some of the most common factors used by your company to calculate your premiums.

• Bump up deductibles to lower rates – Comprehensive and collision coverage deductibles represent how much money you are willing to pay out-of-pocket if a claim is determined to be covered. Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. A few examples of covered claims could be a windshield broken by a bird, damage caused by hail, and having a roll-over accident. The more of the claim the insured is willing to pay, the less your car insurance will be for Express coverage.
• Married drivers pay less – Getting married may cut your premiums on car insurance. Having a spouse may mean you are more financially stable and insurance companies reward insureds because drivers who are married are more cautious.
• You might want pay the inexpensive car insurance claims yourself – If you are the type of insured that files lots of claims you should expect higher rates. Companies provide the lowest premiums to people who do not file claims often. Your car insurance is intended for claims that you cannot pay yourself.
• Vocation reflects on rates – Jobs such as military generalsairline pilots and accountants are shown to have the highest average rates because of stressful work requirements and extremely grueling work hours. Other jobs like actors, historians and homemakers get better rates for Express coverage.

Auto Insurance Discounts

Companies do not list every possible discount in an easy-to-find place, so the list below contains a few of the more well known as well as the least known discounts that you may qualify for.

• Senior Citizens – Drivers that qualify as senior citizens are able to get reduced rates for Express coverage.
• Government Employees – Having worked for a branch of the government may qualify for a discount when you quote car insurance for Express coverage depending on your auto insurance provider.
• Data Collection Discounts – Drivers that enable data collection to spy on driving manner by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if their driving habits are good.
• Paperwork-free – A few larger online companies give back up to $50 for buying a policy and signing up digitally online.
• Pay Early and Save – By paying your entire bill at once instead of paying each month you can actually save on your bill.
• Military Deployment Discount – Having an actively deployed family member could trigger a small discount.
• Membership in Organizations – Being in certain professional organizations is a good way to get lower rates on your policy.
• Accident Forgiveness Coverage – but certain companies allow you one accident before hitting you with a surcharge with the catch being you have to be claim-free for a specific time period.
• Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts could see savings up to 30%.

One last thing about discounts, some of the credits will not apply to the overall cost of the policy. Most only cut individual premiums such as physical damage coverage or medical payments. Even though the math looks like all the discounts add up to a free policy, it just doesn’t work that way.

A list of companies and a partial list of their discounts are outlined below.

• American Family has discounts for good driver, good student, air bags, Steer into Savings, mySafetyValet, and accident-free.
• Farm Bureau has savings for youthful driver, multi-policy, safe driver, 55 and retired, renewal discount, good student, and multi-vehicle.
• State Farm offers discounts including anti-theft, Drive Safe & Save, driver’s education, good driver, and student away at school.
• Travelers offers premium reductions for multi-car, save driver, student away at school, good student, continuous insurance, hybrid/electric vehicle, and home ownership.
• The Hartford policyholders can earn discounts including vehicle fuel type, bundle, air bag, driver training, and defensive driver.
• Geico may include discounts for driver training, anti-theft, daytime running lights, military active duty, and membership and employees.
• Progressive may have discounts that include online signing, continuous coverage, good student, homeowner, multi-vehicle, and online quote discount.

When getting free car insurance quotes, it’s a good idea to each company which discounts they offer. Some of the earlier mentioned discounts may not apply in your area. If you would like to see a list of auto insurance companies that offer many of these discounts, click here.

Tailor your insurance coverage to you

When it comes to buying adequate coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that might help in determining whether you could use an agent’s help.

• If my pet gets injured in an accident are they covered?
• Can I make deliveries for my home business?
• Am I covered if I hit my neighbor’s mailbox?
• Is my cargo covered for damage or theft?
• When does my teenage driver need to be added to my policy?
• How do I file an SR-22 for a DUI in my state?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Coverages available on your insurance policy

Knowing the specifics of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from insurance companies.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like pain medications, rehabilitation expenses, doctor visits, hospital visits and nursing services. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Express.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Liability car insurance – Liability coverage protects you from damage that occurs to other people or property that is your fault. 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 for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as attorney fees, medical expenses, pain and suffering, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – Collision coverage covers damage to your Express resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as hitting a mailbox, sustaining damage from a pot hole, crashing into a building, hitting a parking meter and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive insurance – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as fire damage, hitting a bird, a broken windshield, falling objects and theft. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Final thoughts

As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed full coverage and discovered at claim time that the savings was not a smart move. The goal is to find the BEST coverage at the best possible price.

Budget-friendly car insurance can be purchased both online and from local agencies, and you should compare rates from both to have the best chance of lowering rates. Some insurance providers may not provide rates over the internet and usually these smaller companies sell through independent agencies.

Even more information is located in the articles below:

• Car Insurance FAQ (Trusted Choice)
• Safe Vehicles for Teens (iihs.org)
• Tools for Teen Driving Safety (State Farm)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)