Cheaper 2010 Chevrolet Express Insurance Quotes

Looking for lower car insurance rates for your Chevrolet Express? Confused by the dozens of car insurance companies? Many other consumers are too. You have so many choices that it can easily become more work than you anticipated to find the best price.

Cheap Insurance Comparisons

Performing a rate comparison can be a daunting task if you aren’t aware of the best way to get rate quotes. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you could use the internet to get pricing more quickly.

Most major companies are enrolled in a marketplace that allows shoppers to submit one quote, and each company can provide price quotes. This eliminates the need for quotation requests for each company you want a rate for.

To access this free quoting program, click to open in new window.

The one disadvantage to comparing rates this way is you are unable to specify which companies to get pricing from. So if you want to choose specific insurance companies to request quotes from, we have a page of the cheapest insurance companies in your area. Click here to view list.

It’s up to you which method you use, but ensure you’re using exactly the same quote information for each comparison quote. If you are comparing higher or lower deductibles you will not be able to determine the lowest rate for your Chevy Express. Slightly different coverage limits can mean a large discrepancy in price. And when comparing insurance rates, know that having more price comparisons gives you a better chance of getting better pricing.

These discounts can slash insurance coverage rates

Companies do not list every discount in an easy-to-find place, so the following is a list of some of the more common and also the lesser-known insurance coverage savings.

• Good Student – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
• Employee of Federal Government – Active or retired federal employment can save as much as 8% for Express coverage with select insurance companies.
• Safe Driver Discount – Insureds without accidents may receive a discount up to 45% less for Express coverage than their less cautious counterparts.
• Senior Citizens – Older drivers may be able to get a small decrease in premiums for Express coverage.
• New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
• Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
• Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
• Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you will save approximately 10% to 15%.
• Defensive Driving Course – Taking a defensive driving course could possibly earn you a 5% discount if your company offers it.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, insurance coverage companies aren’t that generous.

For a list of companies who offer insurance coverage discounts, click here.

When might I need the advice of an agent?

When it comes to choosing the right insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining whether or not you may require specific advice.

• Can my babysitter drive my car?
• Does my liability insurance cover pulling a trailer or camper?
• When does my teenage driver need to be added to my policy?
• Does my insurance cover damage caused when ticketed for reckless driving?
• If my 2010 Chevy Express is totaled, can I afford another vehicle?
• Do I need PIP coverage since I have good health insurance?
• Is extra glass coverage worth it?
• Am I covered if I hit my neighbor’s mailbox?
• What can I do if my company won’t pay a claim?
• Is my 2010 Chevy Express covered for flood damage?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Coverages available on your policy

Having a good grasp of your policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Collision protection

This coverage pays for damage to your Express resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with a tree, hitting a mailbox, crashing into a building, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability auto insurance

This coverage will cover damage or injury you incur to other people or property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, medical expenses and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for bills for things like chiropractic care, nursing services, surgery and pain medications. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a deer, damage from getting keyed, vandalism, damage from a tornado or hurricane and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.