How Much Does 2012 Chevrolet Express Car Insurance Cost?

Consumers have many options when looking for affordable Chevy Express insurance. You can either spend your time contacting agents to compare prices or utilize the internet to find the lowest rates. There are more efficient ways to shop for car insurance so you’re going to learn the quickest way to price shop coverage for your Chevy and obtain the lowest possible price from both online companies and local agents.

Consumers need to get comparison quotes yearly because prices are rarely the same from one policy term to another. Just because you found the lowest price on Express coverage two years ago you may be paying too much now. Block out anything you think you know about car insurance because you’re about to find out the best methods to find better coverage at a better price.

Which Auto Insurance is Cheapest?

Reducing your 2012 Chevy Express insurance rates is not rocket science. The only thing you need to do is take time comparing price quotes provided by online insurance companies. This is very easy and can be done using a couple different methods.

  • One of the best ways consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This method prevents you from having to do separate quote forms for every auto insurance company. One form gets you price quotes from several companies. Just one form and you’re done.
  • A less efficient way to find lower rates requires a trip to the website for every company you want to comare to complete their respective quote request forms. For examples sake, let’s assume you want comparison quotes from Progressive, Farmers and American Family. To get rate quotes you would need to visit each site to enter your coverage information, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using exactly the same coverage limits and deductibles for every quote you compare. If you use different limits and deductibles on each one it will be impossible to determine which rate is truly the best.

How can Progressive, Geico, Allstate and State Farm save drivers who switch?

Consumers can’t ignore all the ads for cheaper car insurance by companies like Progressive, Geico, Allstate and State Farm. All the companies say the same thing of big savings if you move to them.

But how can every company make almost identical claims? It’s all in the numbers.

All the different companies can use profiling for the driver that is profitable for them. A good example of a desirable insured might be between the ages of 40 and 55, has no prior claims, and drives newer vehicles. Any driver that hits that “sweet spot” will qualify for the lowest rates and therefore will pay quite a bit less when switching companies.

Potential insureds who don’t qualify for this ideal profile will be quoted more money which usually ends up with the customer not buying. The ads state “drivers who switch” but not “drivers who get quotes” save money. That’s why companies can make the claims of big savings. This emphasizes why you absolutely need to get as many quotes as possible. It’s not possible to predict which company will provide you with the cheapest Chevy Express insurance rates.

Parts of the Chevy Express rate equation

An important part of buying insurance is that you know some of the elements that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Shown below are some of the factors companies use to determine prices.

  • Where you reside plays a part – Choosing to live in less populated areas can save you money when buying auto insurance. City drivers regularly have traffic congestion and much longer commute distances. Less people living in that area means fewer accidents and a lower car theft rate.
  • Pleasure use saves money – The more miles you rack up on your Chevy in a year’s time the higher your rate. The majority of insurers price each vehicle’s coverage based on their usage. Vehicles not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance policy shows how each vehicle is driven, because improper ratings can cost you money. If your policy improperly rates your Express can result in significantly higher rates.
  • Safe vehicles cost less to insure – Vehicles with good safety scores can get you lower premiums. Safer cars result in less severe injuries and better occupant protection translates into savings for insurance companies and thus lower rates. If your Chevy Express has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Special features that cut premiums – Purchasing a vehicle with a theft deterrent system can help lower your rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.

Discounts mean cheaper 2012 Chevy Express insurance rates

Companies don’t always list every discount very well, so we took the time to find some of the best known and the more hidden insurance coverage savings. If you don’t get every credit you deserve, you are throwing money away.

  • Homeowners Discount – Simply owning a home can help you save on insurance coverage due to the fact that maintaining a home is proof that your finances are in order.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy could earn a price break for each car.
  • Early Signing – Some insurance companies reward drivers for switching policies prior to your current policy expiring. This can save 10% or more.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can qualify for discounts up to 30%.
  • Senior Citizens – Older drivers may be able to get better insurance coverage rates on Express coverage.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. 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 coverage discounts, click here to view.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover whether your personal situation might need an agent’s assistance.

  • Who is covered when they drive my 2012 Chevy Express?
  • Am I covered if I break a side mirror?
  • Can I rent a car in Mexico?
  • Do I have newly-aquired coverage?
  • Does my 2012 Chevy Express qualify for pleasure use?
  • Can I still get insurance after a DUI?
  • How do I file an SR-22 for a DUI in my state?
  • Why am I required to buy high-risk coverage?
  • Do I need higher collision deductibles?
  • Should I drop comprehensive coverage on older vehicles?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Parts of your auto insurance policy

Learning about specific coverages of a auto insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Liability – This can cover damage that occurs to other people or property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like loss of income, court costs, bail bonds, repair bills for other people’s vehicles and medical expenses. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Collision – This coverage pays for damage to your Express caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as sideswiping another vehicle, crashing into a building and crashing into a ditch. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive insurance – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as rock chips in glass, hail damage and vandalism. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for immediate expenses for prosthetic devices, surgery, rehabilitation expenses, X-ray expenses and chiropractic care. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Chevy Express.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Compare but don’t skimp

People switch companies for any number of reasons including questionable increases in premium, delays in paying claims, lack of trust in their agent and even high rates after DUI convictions. Regardless of your reason, finding a new company is easier than you think.

Affordable 2012 Chevy Express insurance can be found from both online companies and with local insurance agents, and you need to price shop both to have the best chance of lowering rates. Some companies do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

As you restructure your insurance plan, do not buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed physical damage coverage only to regret that it was a big mistake. Your strategy should be to get the best coverage possible at the best price, not the least amount of coverage.

Additional detailed information is available by following these links: