Are you sick and tired of being strong-armed to insure your Chevy every month? You are in the same boat as many other drivers. Numerous insurers battle for your hard-earned dollar, and it can be difficult to compare rates and get the definite lowest rate
Smart consumers take time to check insurance coverage prices once or twice a year due to the fact that insurance rates are rarely the same from one policy term to another. Just because you had the best deal on Express coverage a year ago you will most likely find a better rate today. There is a lot of bad information regarding insurance coverage online, so by reading this article, you’re going to learn some proven techniques to buy insurance coverage cheaper.
Smart consumers have a good feel for the factors that go into determining insurance coverage rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that may reward you with better insurance coverage rates.
Listed below are some of the factors that factor into rates.
Getting a cheaper price on 1997 Chevy Express insurance is not a difficult process. All that’s required is to spend a little time to get quotes online from several insurance companies. This is very easy and can be done in just a few minutes using one of these methods.
To view a list of companies in your area, click here.
It’s up to you which method you use, but be sure to compare exactly the same coverage limits and deductibles for every company. If you enter different limits and deductibles on each one it will be impossible to determine the lowest rate for your Chevy Express.
Companies don’t list all available discounts very well, so here is a list both well-publicized and the more hidden discounts you could be receiving. If you don’t get every credit you qualify for, you are throwing money away.
Drivers should understand that most discount credits are not given to the entire policy premium. Some only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, companies don’t profit that way.
Companies that may have these money-saving discounts include:
Double check with each insurance company how you can save money. Savings may not be available in your area.
When it comes to choosing coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that may help you determine whether or not you would benefit from an agent’s advice.
If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.
Having a good grasp of your insurance policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types available from insurance companies.
Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Chevy Express.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.
Comprehensive or Other Than Collision
Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as damage from a tornado or hurricane, damage from flooding, hail damage, a broken windshield and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Liability auto insurance
Liability coverage will cover damages or injuries you inflict on a person or their property. This insurance protects YOU against other people’s claims, 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. As an example, you may have policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.
Liability coverage pays for things such as funeral expenses, bail bonds and loss of income. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage kick in for bills like hospital visits, doctor visits and ambulance fees. They are used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Collision insurance will pay to fix damage to your Express caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like scraping a guard rail, rolling your car, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.
We just covered some good ideas how to compare 1997 Chevy Express insurance prices online. The most important thing to understand is the more times you quote, the better chance you’ll have of finding lower rates. You may even discover the lowest premiums are with some of the smallest insurance companies. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as GEICO and State Farm.
As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed collision coverage only to find out that it was a big error on their part. Your aim should be to find the BEST coverage at an affordable rate while still protecting your assets.
Cost effective insurance can be found from both online companies in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some auto insurance companies do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.