Save on 2012 Chevrolet Express Insurance Rates

Looking for better insurance coverage rates for your Chevrolet Express? Locating lower-cost insurance coverage online might seem impossible for people new to quoting and comparing prices online. With such a large number of agents and online companies available, how can drivers effectively compare the different rates to find the lowest price?

Buying car insurance is easy if you know what you’re doing. Essentially anyone who is shopping for car insurance should be able to cut their insurance bill. Nevertheless, car owners need to learn how big insurance companies market on the web because it can help you find the best coverage.

Low cost car insurance prices

The majority of larger companies give coverage prices on their websites. Comparing prices online is possible for anyone as you simply enter the coverage amounts you desire as detailed in the form. When complete, their system makes automated requests for your driving and credit reports and generates a price based on these and other factors.

Online price estimates simplifies rate comparisons, but having to visit several different sites and type in your information is repetitive and time-consuming. Unfortunately, it is important to perform this step in order to get the lowest possible prices on car insurance.

There is a better way!

The preferred way to get multiple rate quotes is to use a quote form to obtain quotes from many companies. It’s a real time-saver, eliminates form submissions, and makes online quotes much easier. As soon as the form is sent, your coverage is rated and you are able to buy your choice of the quotes that you receive. If a lower price is quoted, you simply finish the application and purchase the new policy. The whole process takes 15 minutes at the most and may save quite a bit of money.

To find out how much you can save on car insurance, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you complete the form with the limits and deductibles as shown on your current policy. This way, you will get a fair comparison using the exact same coverages.

Big brands don’t always mean big savings

Respected companies like Progressive, Geico, Allstate and State Farm endlessly run ads on television and other media. All the ads make an identical promise that drivers can save some big amount if you change your coverage. How is it possible that every company can charge lower premium rates? Just pay attention to how they say it.

Many companies quote their best rates for the type of customer that will not have excessive claims. For instance, this type of insured might be described as between the ages of 30 and 50, has never had a policy lapse, and drives less than 5,000 miles a year. Anyone that hits that “sweet spot” receives the best premium rates and will save some money.

Potential customers who cannot meet the requirements will see a more expensive rate which translates to the driver buying from a lower-cost company. The ad wording is “people that switch” but not “everyone who gets a quote” save that much when switching. This is how insurance companies can make it sound like they have such great car insurance rates. This emphasizes why drivers must compare free insurance quotes often. It’s just not possible to know with any certainty which company will provide the lowest rates.

Why smart buyers pay less for Chevy Express insurance

Lots of things are part of the equation when you get a price on insurance. Some factors are common sense like your driving record, although others are more obscure like your continuous coverage and annual miles driven.

• Save money by having multiple policies – Most larger insurers allow better rates to buyers that buy multiple policies, otherwise known as a multi-policy discount. Even with this discount, you still need to get quotes from other companies to ensure the best deal.
• Only buy what you need – There are many additional extra coverages that you can get tricked into buying if you aren’t careful. Coverages for coverage for rental cars, towing coverage, and extra life insurance coverage are probably not needed. They may sound like good ideas when you first buy your policy, but now you might not need them so remove them and pocket the money.
• Your job can affect prices – Did you know your career choice can influence rates? Occupations like lawyerspolice officers and emergency personnel generally pay higher premiums than the average policyholder because of high stress levels and extremely grueling work hours. Other professions such as farmers, athletes and performers generally pay rates lower than average on Express insurance.
• Advanced alarm systems – Choosing a vehicle with a theft deterrent system can save you a little every year. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent car theft.

Get cheaper auto insurance quotes with discounts

Some insurance providers do not list all possible discounts in an easy-to-find place, so we researched some of the more common as well as some of the hidden credits that you can use to lower your rates. If you don’t get every credit you qualify for, you could be getting lower rates.

• Drivers Education – It’s a good idea to have your young drivers participate in a local driver’s education class as it can save substantially.
• Theft Prevention Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
• Accident Forgiveness Coverage – Not a discount per se, but some insurance companies will let one accident slide before your rates go up so long as you haven’t had any claims prior to the accident.
• Life Insurance – If the company offers life insurance, you could get a lower price if you buy some life insurance too.
• Government Employees – Having worked for a branch of the government could cut as much as 10% off on Express insurance with certain companies.
• Low Mileage Discounts – Fewer annual miles on your Chevy can earn better auto insurancerates on cars that stay parked.
• Multi-policy Discount – When you have multiple policies with the same company you could earn a discount of up to 20% and get you inexpensive insurance.
• Multiple Vehicles – Purchasing coverage when you have several vehicles with the same company can reduce rates for all insured vehicles.
• Homeowners Pay Less – Just owning your own home can earn you a little savings since owning and maintaining a home demonstrates responsibility.
• Active Service Discounts – Having an actively deployed family member can result in better auto insurance rates.

Discounts lower rates, but most credits do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comp or med pay. If you do the math and it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

If you would like to view insurers that offer multiple discounts, click this link.

Tailor your insurance coverage to you

When buying adequate coverage, there really is no one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that could help you determine whether your personal situation could use an agent’s help.

• Is pleasure use cheaper than using my 2012 Chevy Express to commute?
• How high should my medical payments coverage be?
• Does coverage extend to my business vehicle?
• Am I covered by my spouse’s policy after a separation?
• Does my 2012 Chevy Express qualify for pleasure use?
• What is no-fault insurance?
• Is my nanny covered when driving my vehicle?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form.

Car insurance coverages for a Chevy Express

Knowing the specifics of your policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Liability car insurance

Liability coverage provides protection from damage or injury you incur to other people or property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as legal defense fees, repair costs for stationary objects, funeral expenses, attorney fees and emergency aid. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Comprehensive coverages

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, theft, damage from getting keyed and hitting a bird. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like EMT expenses, nursing services and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your Chevy Express.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage protection

This 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 coverage pays for things like rolling your car, crashing into a building, scraping a guard rail, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Quote more. Save more.

Some insurance companies do not offer online price quotes regional insurance providers sell through independent agents. More affordable auto insurance is available on the web as well as from independent agents, and you should compare rates from both in order to have the best chance of saving money.

As you prepare to switch companies, don’t be tempted to skimp on coverage in order to save money. In many cases, an accident victim reduced collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase plenty of coverage at the lowest possible cost, but don’t skip important coverages to save money.

You just read a lot of techniques to reduce 2012 Chevy Express insurance prices online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. You may be surprised to find that the lowest prices come from a small mutual company.

Additional information is available below:

• Rollover Crash FAQ (iihs.org)
• Help Your Teen Be a Better Driver (State Farm)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• What Does No-Fault Insurance Cover? (Allstate)