2011 Chevrolet Express Car Insurance Rates

Searching for cheaper auto insurance rates for your Chevrolet Express? Locating cheaper insurance for a Chevy Express can normally be a painful process, but you can learn a few tricks and make it easy. There are both good and bad ways to buy auto insurance so you’re going to learn the proper way to quote coverages for a new or used Chevy and obtain the lowest possible price either online or from local insurance agents.

You should make it a habit to price shop coverage at least once a year because rates are variable and change quite frequently. Just because you had the lowest rates on Express insurance a few years ago you can probably find a lower rate today. So just ignore everything you know about auto insurance because we’re going to show you how to use the internet to reduce your cost while increasing coverage.

Do you qualify for discounts?

Companies that sell car insurance don’t always advertise all available discounts very well, so we researched some of the more common as well as the least known discounts you could be receiving. If you don’t get every credit possible, you’re paying more than you need to.

  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • Accident Forgiveness – Certain companies allow you one accident without raising rates if your claims history is clear prior to the accident.
  • Federal Employees – Simply working for the federal government may qualify you for a discount on Express insurance with select insurance companies.
  • Multiple Cars – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Good Student – Performing well in school can earn a discount of 20% or more. The good student discount can last well after school through age 25.

It’s important to understand that most discount credits are not given to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

For a list of insurance companies offering insurance discounts, click this link.

Some factors that can determine what Chevy Express insurance costs

Consumers need to have an understanding of the rating factors that go into determining your car insurance rates. Understanding what influences your rates allows you to make educated decisions that can help you get much lower annual insurance costs.

  • With age comes lower rates – Mature drivers are more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Teen drivers have a tendency to be more careless in a vehicle and because of this, their car insurance rates are much higher.
  • Marriage brings a discount – Having a spouse helps lower the price on your policy. Having a significant other is viewed as being more mature than a single person it has been statistically shown that married couples file fewer claims.
  • Don’t skimp on liability – The liability section of your policy will protect you in the event that a court rules you are at fault for damages caused by your negligence. It will provide legal defense coverage up to the limits shown on your policy. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Never allow your policy to lapse – Driving your car without having proper coverage is against the law and as a result your rates will increase for letting your coverage lapse. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.
  • Tickets mean higher rates – Even one moving violation can boost insurance rates by as much as thirty percent. Careful drivers receive lower rates than their less careful counterparts. If you have dangerous violations like reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with their state DMV in order to prevent a license revocation.

Don’t assume everyone needs the same coverage

When buying adequate coverage, there really is not a one size fits all plan. Everyone’s situation is unique.

For instance, these questions might point out whether your personal situation might need professional guidance.

  • When would I need rental car insurance?
  • Should I have combined single limit or split liability limits?
  • Am I insured when driving a different vehicle?
  • Can I still get insurance after a DUI?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I waive the damage coverage when renting a car?
  • Is motorclub coverage worth it?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form. It’s fast, free and you can get the answers you need.

Insurance coverage myths debunked

Consumers get pounded daily by advertisements that promise big savings from the likes of Geico, State Farm and Progressive. They all seem to make the same claim that you can save if you change your coverage to them.

How does each company claim to save you money? This is how they do it.

All companies have a certain “appetite” for the type of customer that earns them a profit. An example of a preferred risk could be a mature driver, owns a home, and drives less than 10,000 miles a year. A customer who meets those qualifications will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who are not a match for the “perfect” profile will be charged more money which leads to business going elsewhere. The ads say “customers who switch” but not “drivers who get quotes” save money. This is how insurance companies can make those claims. That is why it is so important to quote coverage with many companies. It’s not possible to predict which company will have the lowest Chevy Express insurance rates.

Learn about car insurance coverages for a 2011 Chevy Express

Learning about specific coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability

This coverage can cover damage or injury you incur to a person or their property. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like bail bonds, medical expenses, attorney fees and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like fire damage, a tree branch falling on your vehicle and a broken windshield. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as colliding with another moving vehicle, crashing into a building, driving through your garage door and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for doctor visits, surgery, dental work and funeral costs. The coverages 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 as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

More effort can pay off

You just read a lot of ways to save on 2011 Chevy Express insurance. It’s most important to understand that the more times you quote, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with a lesser-known regional company.

As you go through the steps to switch your coverage, never reduce needed coverages to save money. There have been many situations where consumers will sacrifice uninsured motorist or liability limits only to discover later that the savings was not a smart move. Your focus should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

People leave their current company for many reasons like extreme rates for teen drivers, lack of trust in their agent, not issuing a premium refund and denial of a claim. It doesn’t matter why you want to switch finding a great new company is not as difficult as it may seem.

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