Compare 2015 Chevrolet Express Car Insurance Quotes

Trying to find the cheapest insurance for a Chevy Express can normally be an all-consuming task, but you can learn our car insurance buying tips to make it easier.

There are both good and bad ways to shop for car insurance and you need to know the absolute fastest way to price shop coverage for your Chevy and get the lowest possible price either online or from local insurance agents.

You should make it a habit to do rate comparisons yearly because car insurance prices tend to go up over time. Even if you think you had the lowest quotes on Express insurance a year ago a different company probably has better rates today. Ignore everything you know about car insurance because we’re going to demonstrate the tricks you need to know to find the best coverage while lowering your premiums.

The most recommended method to compare policy rates is to understand all the major auto insurance companies allow for online access to compare their rates. All consumers are required to do is give them some information like how much coverage you want, if you went to college, distance driven, and if your license is active. Your rating data is then sent to multiple companies and they respond with quotes very quickly.

To start a quote now, click here and enter your zip code.

When to get professional advice

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is unique.

For example, these questions could help you determine if your insurance needs may require specific advice.

• Am I covered if my car is in a flood?
• Are there companies who specialize in insuring high-risk drivers?
• When can my company non-renew my policy?
• Are my friends covered when driving my car?
• Is my custom paint covered by insurance?
• Am I covered when using my vehicle for business?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

Educate yourself about insurance coverages

Learning about specific coverages of insurance can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision) – This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, hitting a deer, damage from getting keyed, hail damage and a broken windshield. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverages – This coverage can cover damage that occurs to other people or property that is your fault. 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 commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like loss of income, repair bills for other people’s vehicles, legal defense fees and repair costs for stationary objects. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Collision – Collision insurance covers damage to your Express caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like scraping a guard rail, hitting a parking meter and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for immediate expenses like nursing services, hospital visits, pain medications and surgery. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Chevy Express.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.