2013 Chevrolet Express Car Insurance Cost

If you’re looking for more affordable insurance on the web, are you confused by the sheer number of car insurance choices? You have so many options that it is a difficult situation to find the best prices.

You need to take a look at other company’s rates before your policy renews because insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best premium rates on Express coverage on your last policy the chances are good that you can find a lower price today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the proper way to find great coverage at a great price.

The fastest way that we advise to get policy rate comparisons is to know the trick all the major auto insurance companies will pay a fee to compare rate quotes. The only thing you need to do is provide information such as your occupation, if it has an anti-theft system, coverage limits, and if you require a SR-22. Your details is then sent to insurance carriers in your area and you will receive price estimates instantly to find the best rate.

To get price quotes for your Chevy Express now, click here and complete the quick form.

Brand name doesn’t guarantee savings

Well-known insurance coverage companies like State Farm, Allstate and Geico endlessly run television, radio, and online ads. All the companies make the same claim that drivers can save some big amount if you change your insurance coverage coverage to their company. How can each company charge lower premium rates? This is the trick they use.

Insurance companies have an ideal profile for the type of customer that will not have excessive claims. One example of a desirable insured should be between the ages of 30 and 45, has a clear driving record, and drives a vehicle with a low ISO rating. A customer that meets those criteria is entitled to the best price and will probably save if they switch.

Insureds who do not fit those standards will be charged a higher rate with the end result being the driver buying from a lower-cost company. The ad wording is “drivers that switch” not “everyone that quotes” save that much. That’s the way companies can make those statements. Because each company has a different risk profile, you should quote coverage with many companies. It’s just not possible to know the company that will give you lower rates than your current company.

What affects Chevy Express insurance prices?

When buying auto insurance it’s important to understand the different types of things that help calculate the level of your policy premiums. If you understand what determines base rates, this enables informed choices that could result in cheaper rates. Lots of things are used when you get a price on insurance. Some factors are common sense such as traffic violations, but other criteria are not quite as obvious like your continuous coverage or your commute time.

• Save money by eliminating extra policy coverages – There are a lot of extra coverages that can waste your money on your auto insurance policy. Coverages like vanishing deductibles, accident forgiveness, and membership fees may not be needed and are just wasting money. You may think they are a good idea when deciding what coverages you need, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
• Pay less with a high NHTSA crash test rating – Safe vehicles are cheaper to insure. These vehicles reduce injuries and fewer serious injuries means less claims paid and more competitive rates for policyholders. If your Chevy Express scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
• Always keep your auto insurance in place – Going without insurance will be a quick way to pay more for auto insurance. And not only will your rates increase, getting caught without coverage might get you fines or a revoked license.
• Single drivers take more risk – Getting married can get you a discount on your auto insurance policy. Marriage means you’re more mature than a single person and it’s proven that drivers who are married are more cautious.
• Deter theft and save money – Selecting a car model that has an advanced theft prevention system can earn a premium discount. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft.
• Driving citations drive up premiums – Your driving citation history has a lot to do with how much you pay for insurance. Drivers with clean records receive lower rates as compared to those with violations. Just one citation can bump up the cost by as much as twenty percent. Drivers unfortunate enough to have flagrant violations such as DUI or reckless driving may find that they have to to file a SR-22 to the state department of motor vehicles in order to legally drive.

Car insurance companies offer lots of discounts

Companies don’t necessarily list every possible discount very clearly, so the list below contains some of the more common and also the lesser-known discounts that you can inquire about if you buy insurance coverage online.

• Early Signing – Some insurance companies provide a discount for signing up before your current expiration date. You can save around 10% with this discount.
• Senior Citizen Discount – Drivers over the age of 55 may qualify for better car insurance rates on Express coverage.
• Accident Free – Claim-free drivers can save substantially when compared to frequent claim filers.
• Cautious Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Express coverage than less cautious drivers.
• Military Deployment Discount – Being on active duty in the military can result in better prices.
• Discounts for New Vehicles – Putting insurance on a new car can get you a discount since newer vehicles are generally safer.
• Good Student – Performing well in school can earn a discount of 20% or more. The good student discount can last up to age 25.

You should keep in mind that most credits do not apply to the entire cost. Some only apply to individual premiums such as collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, it’s just not the way it works.

Auto insurance companies that possibly offer most of the discounts above include:

• Geico
• USAA
• Progressive
• American Family
• Esurance
• Farmers Insurance
• State Farm

When quoting, ask all companies you are considering which discounts can lower your rates. Savings may not apply to policies everywhere. To view companies who offer discounts, click this link.

Do I just need basic coverages?

When it comes to choosing the best auto insurance coverage for your vehicles, there really is not a perfect coverage plan. Every insured’s situation is different.

These are some specific questions could help you determine if your situation could use an agent’s help.

• Am I covered when driving on a suspended license?
• Is business property covered if stolen from my car?
• Does my insurance cover damage caused when ticketed for reckless driving?
• How much liability coverage do I need in my state?
• Why do I only qualify for high-risk insurance?
• Is my teen driver covered when they drive my company car?
• Is upholstery damage covered by car insurance?
• Should I put collision coverage on all my vehicles?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Coverage specifics

Learning about specific coverages of car insurance helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for immediate expenses such as prosthetic devices, funeral costs and dental work. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like fire damage, rock chips in glass and vandalism. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your 2013 Chevy Express.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Collision coverage – Collision insurance covers damage to your Express resulting from a collision 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 such as sustaining damage from a pot hole, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to bring the cost down.

Liability coverage – Liability coverage can cover damage or injury you incur to a person or their property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of 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 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims such as court costs, legal defense fees and funeral expenses. How much coverage you buy is your choice, but consider buying higher limits if possible.

Smart shoppers get results

As you shop your coverage around, make sure you don’t buy poor coverage just to save money. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits only to regret that it was a big error on their part. Your focus should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Low-cost 2013 Chevy Express insurance is possible online and from local insurance agents, and you need to price shop both to have the best selection. A few companies may not have rates over the internet and these regional insurance providers prefer to sell through independent agents.

Insureds who switch companies do it for any number of reasons including policy non-renewal, delays in responding to claim requests, questionable increases in premium or even high prices. Regardless of your reason for switching companies, finding the right auto insurance provider can be less work than you think.

More learning opportunities

• What is a Telematics Device? (Allstate)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)
• Auto Crash Statistics (Insurance Information Insitute)