Save on 2010 Chevrolet Express Insurance Quotes

Searching for lower car insurance rates for your Chevrolet Express? Did you make the mistake of buying an overpriced car insurance policy? It’s quite common and many consumers are feeling buyer’s remorse and feel like there’s no way out. Online insurance companies like State Farm, Allstate, Geico and Progressive constantly bombard you with fancy advertisements and it can be hard to ignore the propoganda and find the best price available.

It’s a good habit to get comparison quotes at least once a year because rates are rarely the same from one policy term to another. Just because you found the lowest premium rates on Express insurance a year ago there may be better deals available now. There are a lot of ways to save on car insurance online but we’re going to give you a bunch of ideas how to lower your car insurance bill.

If you have insurance now or need new coverage, you can follow these tips to find the best rates and still get good coverage. Buying car insurance is quite easy. Drivers only need an understanding of the most efficient way to shop their coverage around over the internet.

Finding auto insurance

Lowering your 2010 Chevy Express auto insurance rates is a fairly straight forward process. The only requirement is to take a couple of minutes to compare free insurance coverage quotes to discover which company has the cheapest insurance coverage quotes. You can get a good selection of rate quotes by using one of the methods below.

1. If you are pressed for time, the simplest way to get quotes is a comparison rater form click here to open form in new window. This easy form prevents you from having to do separate forms for every auto insurance company. Taking the time to complete one form will get you rate comparisons instantly.
2. A different way to shop for auto insurance online consists of going to each company website to request a price quote. For examples sake, we’ll pretend you are doing a rate comparison from Auto-Owners, Safeco and Farmers. In order to compare rates, you need to spend time on each company’s site and type in your information over and over, which can get rather old.

   To view a list of companies in your area, click here.

Whichever method you choose, make darn sure you compare the same coverage data on every price quote you get. If each company quotes different liability limits it will be next to impossible to determine which rate is truly the best.

Do car insurance companies bend the truth?

Consumers can’t escape the ads that promise big savings by companies like State Farm and Allstate. They all seem to have a common claim that you’ll save big if you switch your coverage to them.

How does every car insurance company make almost identical claims? It’s all in the wording.

Insurance providers give the best rates for the type of driver that earns them the highest profit. For instance, a desirable risk might be described as between the ages of 30 and 45, has a clear driving record, and drives less than 7,500 miles a year. Any person who meets those qualifications will qualify for the lowest rates and will probably save if they switch.

Potential insureds who do not match those standards will be quoted more expensive rates which leads to the customer not buying. The wording the ads use say “people who switch” not “everyone that quotes” save that much. That’s why insurance companies can make claims that they all have the best auto insurance rates. This really illustrates why drivers must get as many free insurance coverage quotes as possible. You cannot predict which insurance companies will fit you best based on your risk profile.

Get more affordable insurance coverage with these tips

An important part of buying insurance is that you know some of the things that help calculate your insurance coverage rates. If you understand what determines premiums, this allows you to make good choices that will entitle you to big savings.

• Rates impacted by vehicle usage – The higher the miles on your Chevy annually the more you’ll pay to insure your vehicle. A lot of insurance companies charge to insure your cars based on their usage. Cars and trucks that do not get driven very much cost less to insure than those that get driven frequently. Improper usage on your Express may be costing you. Make sure your insurance coverage coverage reflects the correct usage for each vehicle.
• Urban areas may pay more – Choosing to live in small towns and rural areas is a good thing when buying insurance coverage. Lower population translates into fewer accidents and also fewer theft and vandalism claims. Residents of big cities regularly have more auto accidents and much longer commute distances. Higher commute times statistically corresponds to a higher accident and claim rate.
• Certain employers pay higher premiums – Did you know your job can affect your rates? Occupational choices like doctorsairline pilots and dentists are shown to have the highest rates because of high stress levels and extremely grueling work hours. Conversely, careers like actors, athletes and the unemployed have the lowest average rates on Express insurance.
• Teenage drivers pay higher prices – Youthful drivers are known to be inattentive and easily distracted in a vehicle so they pay higher insurance coverage rates. Mature drivers are more cautious drivers, tend to cause fewer accidents .
• Careless drivers pay higher rates – Just one chargable violation could increase your next policy renewal forty percent or more. Drivers with clean records pay lower auto insurance prices than bad drivers. Drivers who have gotten dangerous tickets like reckless driving or DUI may find they need to prove financial responsibility with their state DMV in order to continue driving.

Do you qualify for discount car insurance?

Insuring your fleet can be pricey, but discounts can save money and there are some available to help bring down the price. A few discounts will automatically apply at quote time, but some discounts are required to be inquired about before you will receive the discount.

• First Accident Forgiveness – This one is not really a discount per se, but companies like Liberty Mutual and Geico will turn a blind eye to one accident before your rates go up so long as you haven’t had any claims for a set time period.
• Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a lower car insurance rate if you buy auto and life insurance together.
• Telematics Data – Drivers who agree to allow their company to analyze when and where they use their vehicle remotely like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks as long as they are good drivers.
• Discounts for Government Workers – Having worked for a branch of the government could provide a small rate reduction on Express insurance with select insurance companies.
• Discount for Passive Restraints – Vehicles equipped with air bags may get savings of more than 20%.
• Good Students Pay Less – Maintaining excellent grades may save you up to 25%. The good student discount can last up to age 25.
• Theft Deterent System – Vehicles that have factory anti-theft systems help deter theft and will qualify for a discount on a insurance coverage quote.
• Discounts for Multiple Vehicles – Buying a policy with more than one vehicle with the same company could earn a price break for each car.
• Own a Home – Owning a home may earn you a small savings because it requires a higher level of personal finance.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, you’re out of luck.

Larger car insurance companies and their offered discounts are detailed below.

• State Farm may have discounts that include accident-free, passive restraint, good driver, multiple autos, driver’s education, student away at school, and anti-theft.
• Liberty Mutual may offer discounts for preferred payment discount, exclusive group savings, new graduate, newly retired, and multi-policy.
• American Family offers discounts including TimeAway discount, air bags, defensive driver, Steer into Savings, bundled insurance, early bird, and good driver.
• Progressive discounts include online signing, homeowner, multi-policy, multi-vehicle, and good student.
• Farmers Insurance has discounts for alternative fuel, distant student, youthful driver, homeowner, electronic funds transfer, and good student.
• Auto-Owners Insurance offers discounts for teen driver, student away at school, paperless, paid in full, and safe driver.
• SAFECO has savings for teen safety rewards, homeowner, teen safe driver, anti-theft, and drive less.

If you are trying to find affordable insurance coverage quotes, ask all the companies which discounts can lower your rates. Some of the earlier mentioned discounts might not be offered on policies in your area. If you would like to choose from a list of companies with discount rates, follow this link.

What insurance coverages do I need?

When it comes to choosing adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions might point out if your situation will benefit from professional help.

• Does my insurance cover damage caused when ticketed for reckless driving?
• Is business equipment covered while in my vehicle?
• Is borrowed equipment or tools covered if stolen or damaged?
• Should I buy additional glass protection?
• What is roadside assistance coverage?
• How can I get high-risk coverage after a DUI?
• Where can I get insurance after a DUI in my state?
• Am I insured when driving a different vehicle?
• Do I need special endorsements for business use of my vehicle?
• Can I afford to buy a different vehicle if my 2010 Chevy Express is totaled?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Specifics of your auto insurance policy

Having a good grasp of your auto insurance policy aids in choosing which coverages you need for your vehicles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on most auto insurance policies.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as rehabilitation expenses, dental work, nursing services and doctor visits. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive auto insurance

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, hitting a deer, fire damage and hitting a bird. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability coverage protects you from damage that occurs to a person or their property. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers claims like bail bonds, funeral expenses, legal defense fees and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Chevy Express.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage protection

This coverage covers damage to your Express resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as damaging your car on a curb, crashing into a ditch, scraping a guard rail, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Don’t throw your cash in the trash

Cheaper car insurance can be sourced from both online companies and from local insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies may not offer rates over the internet and usually these small insurance companies prefer to sell through independent agents.

While you’re price shopping online, never buy less coverage just to save a little money. There have been many cases where consumers will sacrifice liability limits or collision coverage and found out when filing a claim that it was a big error on their part. The goal is to buy enough coverage for the lowest price while still protecting your assets.

We just presented many ways to compare 2010 Chevy Express insurance prices online. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. You may even discover the lowest prices come from the least-expected company. They may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive and Geico.

Other information

• Collision Insurance Coverage (Nationwide)
• Auto Theft Statistics (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• Young Drivers: The High Risk Years Video (iihs.org)