Lower Your 2016 Chevrolet Express Insurance Quotes

Having to pay for high-priced Chevrolet Express insurance can deplete your budget and force you to tighten up your finances. Performing a price comparison is a fast and free way to make ends meet.

Having so many different company options, it is hard for the average consumer to pick a lower cost auto insurance company.

You need to check auto insurance prices once or twice a year because auto insurance rates are rarely the same from one policy term to another. Even if you think you had the best deal on Express insurance last year you may be paying too much now. You can find a lot of wrong information about auto insurance out there, but in this article, you’re going to get the easiest ways to buy auto insurance cheaper.

How car insurance companies determine Chevy Express insurance prices

Many different elements are used when you quote your car insurance policy. Some are pretty understandable such as your driving record, but some are not as apparent like where you live or your vehicle rating.The best way to find cheaper insurance coverage is to take a look at a few of the rating criteria that help determine your insurance coverage rates. If you know what impacts premium levels, this enables you to make decisions that will entitle you to lower rates.

The factors shown below are some of the factors used by insurance companies to determine premiums.

  • Insurance coverage rates and your job – Jobs such as military personnelairline pilots and accountants tend to have the highest average rates attributed to stressful work requirements and lots of time spent away from family. On the other hand, careers such as actors, students and the unemployed receive lower rates on Express insurance.
  • Prices are affected by your address – Being located in small towns and rural areas is a positive aspect if you are looking for the lowest rates. City drivers have to deal with congested traffic and more severe claims. Fewer drivers means less chance of accidents and a lower car theft rate.
  • Are you male or female? – Statistics show that women are safer drivers than men. However, don’t assume that women are better drivers. Men and women are in auto accidents at about the same rate, but the men have accidents that have higher claims. Men also tend to receive more costly citations like driving under the influence (DUI). Young males are several times more likely to be in an accident and therefore pay the highest rates.
  • Cautious drivers pay the best prices – How you drive has a big impact on rates. Drivers with clean records receive lower rates than bad drivers. Getting just one citation can boost insurance rates by as much as twenty percent. Drivers with careless tickets like DUI or willful reckless driving may face state-mandated requirements to maintain a SR-22 with their state DMV in order to legally drive.
  • Save money with theft deterrents – Owning a car with a theft deterrent system can help lower your premiums. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft and help bring rates down.

The most recommended method to get rate comparisons utilizes the fact most of the bigger providers will pay a fee to compare rate quotes. All consumers are required to do is spend a couple of minutes providing details like coverage limits, an estimate of your credit level, if you went to college, and how your vehicles are used. Those rating factors is instantly submitted to multiple top-rated companies and they return cost estimate quickly.

To check Chevy Express insurance prices now, click here and complete the form.

You may qualify for discounts

Some insurance providers don’t always advertise every policy discount very well, so the list below gives a summary of a few of the more well known and the more hidden credits available to you.

  • Air Bags and Passive Restraints – Options like air bags can get savings of 20% or more.
  • 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.
  • Multiple Cars – Drivers who insure several vehicles on a single policy can get a discount on all vehicles.
  • Telematics Discount – Drivers who agree to allow driving data collection to track when and where they use their vehicle remotely such as State Farm’s In-Drive may get a rate reduction as long as the data is positive.
  • Multi-line Discount – Companies who offer life insurance give a small discount if you purchase a life insurance policy as well.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only cut specific coverage prices like liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, you’re out of luck. But all discounts should help reduce the cost of your policy.

To find insurers that offer many of these discounts, click this link.

There’s no such thing as the perfect car insurance policy

When buying the right insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether or not you might need professional guidance.

  • If I drive on a suspended license am I covered?
  • Am I covered by my spouse’s policy after a separation?
  • Is my camper covered by my car insurance policy?
  • Why am I required to buy high-risk coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Why does it cost so much to insure a teen driver?
  • What are the financial responsibility laws in my state?
  • Am I covered if I wreck a rental car?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I need more liability coverage?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Coverages available on your car insurance policy

Knowing the specifics of your car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages found on the average car insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Chevy Express.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive auto coverage – Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, hail damage and falling objects. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability auto insurance – Liability coverage provides protection from injuries or damage you cause to people or other property in an accident. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as repair bills for other people’s vehicles, medical expenses, pain and suffering and legal defense fees. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for short-term medical expenses for hospital visits, chiropractic care, ambulance fees and dental work. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision – Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as backing into a parked car, hitting a parking meter, crashing into a ditch, driving through your garage door and colliding with a tree. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Spend less. Save more.

We just showed you a lot of techniques to lower your 2016 Chevy Express insurance prices. The key concept to understand is the more times you quote, the better chance you’ll have of finding affordable insurance. Consumers could even find that the biggest savings come from a small local company. These companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.

When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced uninsured motorist or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy the best coverage you can find at the lowest possible cost while still protecting your assets.

Lower-priced insurance is attainable from both online companies and from local agencies, so you need to quote insurance with both in order to have the best chance of saving money. A few companies do not provide the ability to get quotes online and these regional insurance providers sell through independent insurance agents.

More detailed insurance information can be found in the articles below:

Comments About 2016 Chevrolet Express Insurance

  1. Euna Bradshaw

    Anyone understand their policy?

  2. Cecily Howard

    Cheap car insurance? What’s that? I’m in Miami, Florida. Got car insurance quotes with AAA, Encompass, and Nationwide for my Express and cut my rates about $180 a year. Good multi-policy discounts. Wish I didn’t have to insure at all.

  3. Golden Hardin

    What is comprehensive coverage?

  4. Ana Valdez

    Live in Baltimore, MD. Can’t remember who all I quoted but I ended up saving about $20 each month. God forbid I actually have a claim.

  5. Hwa Fry

    I’m in the north part of Overland Park, Kansas. Quoted with AIG Insurance, MetLife, and Travelers for my Chevrolet and cut my rates about $220 a year.

  6. Rhett Reynolds

    Thanks for putting this site together. Quoted with 21st Century for my 2016 Chevrolet Express and am saving around $90 a year. BTW speeding tickets are not good. It was easy to get rates.

  7. Candace Moon

    Cheaper not always better. I’m in the north part of Augusta, GA. Quoted with Safeco, Erie, 21st Century, and Amica for my 2016 Chevrolet Express and saved just over $160 a year. Insured with Progressive before. I have a teen driver too. Get lots of quotes to find the best rate.

  8. Moriah Garza

    I was with Hanover last year but switched to Allstate. Live in the eastern part of Tampa, Florida. They were helpful in switching over.

  9. Allyson Perry

    Great info, thanks for posting. I’m in the west part of Tacoma, WA. I quoted with American Family, Mercury, and a few others for my Chevrolet and saved just over $410 a year. I used their website to get prices.

  10. Ethelyn Ramsey

    Checking in from Denver, Colorado. I quoted with American Family, Farmers, and Mercury for my 2016 Chevrolet Express and saved $481 a year. I’m a pretty good driver though. Still almost need a second mortgage.