2008 Chevrolet Express Insurance Quotes

Searching for the cheapest auto insurance rates? Consumers have many options when looking for the lowest priced Chevy Express insurance. They can either spend hours calling around getting price quotes or utilize the internet to get rate quotes. There is a better way to shop for auto insurance so you’re going to learn the proper way to price shop coverage for a Chevy and obtain the lowest price from local insurance agents and online providers.

Cut your insurance coverage rates with discounts

Auto insurance companies do not advertise every discount very clearly, so here is a list both well-publicized as well as the least known insurance coverage savings. If you’re not getting every credit available, you’re just leaving money on the table.

  • Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • No Claims – Drivers who don’t have accidents pay less when compared to drivers who are more careless.
  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • New Car Discount – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Passive Restraint Discount – Factory air bags can qualify for discounts of 20% or more.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Discount for Swiching Early – Select companies give a discount for signing up before your current expiration date. The savings is around 10%.
  • Club Memberships – Being a member of a professional or civic organization may earn a discount when buying insurance coverage on Express coverage.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase auto and life insurance together.

Drivers should understand that some of the credits will not apply to your bottom line cost. Most only reduce individual premiums such as liability, collision or medical payments. So when the math indicates you could get a free insurance coverage policy, you won’t be that lucky.

Companies that may have these discounts may include but are not limited to:

Check with each insurance company how you can save money. Some discounts might not be offered in every state.

How to Get Car Insurance Comparison Quotes

There are multiple methods to compare 2008 Chevy Express car insurance prices but one way is more efficient than others. You could spend your day driving to insurance companies in your area, or you can utilize online quoting to get prices fast.

Many popular insurance companies belong to an insurance system where insurance shoppers complete one form, and at least one company returns a rated price based on that information. This saves time by eliminating quote requests to each company.

To participate in this free quote system, click here to start a free quote.

The only drawback to pricing coverage this way is buyers cannot specifically choose which carriers you want pricing from. So if you prefer to pick from a list of companies to receive pricing from, we have a listing of the cheapest car insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just make darn sure you compare exactly the same coverage limits on every quote. If you compare different deductibles you can’t possibly decipher which rate is best.

You are unique and your car insurance should be too

When buying the best car insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique.

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

  • Is my cargo covered for damage or theft?
  • How do I insure my teen driver?
  • How can I get my company to pay me more for my totalled car?
  • I have health insurance so do I need medical payments coverage?
  • How do I file an SR-22 for a DUI in my state?
  • What is no-fault insurance?
  • Is my teenager covered with friends in the car?
  • Do I really need UM/UIM coverage?
  • Will my insurance pay for OEM parts?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverage specifics

Knowing the specifics of your auto insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Auto liability – This provides protection from damage that occurs to a person or their property. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like loss of income, bail bonds, medical expenses, emergency aid and funeral expenses. How much coverage you buy is up to you, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Chevy Express.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Collision coverages – Collision insurance will pay to fix damage to your Express resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a mailbox, crashing into a building, backing into a parked car, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like falling objects, hitting a bird and damage from getting keyed. 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 it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for expenses like rehabilitation expenses, dental work and prosthetic devices. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Saving money makes a lot of cents

Cheaper 2008 Chevy Express insurance can be sourced on the web as well as from independent agents, so compare prices from both to have the best chance of lowering rates. Some insurance providers don’t offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

While you’re price shopping online, do not buy less coverage just to save a little money. There are a lot of situations where an insured dropped collision coverage only to regret at claim time that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

You just learned a lot of information how to shop for insurance online. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may be surprised to find that the lowest priced car insurance comes from a smaller regional carrier.

Much more information about car insurance is available below: