Scraping up a payment for overpriced Chevrolet Express insurance can take a big chunk out of your checking account, especially in this economy. Comparing price quotes is a smart way to lower your monthly bill.
Lots of car insurance companies contend for your insurance dollar, so it can be very hard to choose a insurer and get the best coverage at the best price available.
If you are paying for car insurance now, you should be able to reduce your rates substantially using these tips. Choosing the best insurance company for you is not rocket science. Although consumers can benefit by having an understanding of how big insurance companies market insurance on the web because it can help you find the best coverage.
Auto insurance companies don’t always list every discount in a way that’s easy to find, so the following is a list of both the well known and also the lesser-known ways to save on insurance coverage.
It’s important to understand that many deductions do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way.
Car insurance companies that may offer some of the above discounts may include but are not limited to:
It’s a good idea to ask each company which discounts they offer. All car insurance discounts might not be offered everywhere.
When buying coverage for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions could help you determine whether you could use an agent’s help.
If you’re not sure about those questions but one or more may apply to you, you might consider talking to 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.
Having a good grasp of your car insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types offered by car insurance companies.
Collision coverage will pay to fix damage to your Express from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things like hitting a parking meter, rolling your car, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.
Comprehensive coverage (or Other than Collision)
This coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like fire damage, damage from a tornado or hurricane, a tree branch falling on your vehicle and hitting a bird. The maximum payout 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
Med pay and PIP coverage kick in for bills like pain medications, X-ray expenses, doctor visits and funeral costs. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible
Auto liability insurance
This provides protection from damage that occurs to people or other property. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability insurance covers things like legal defense fees, structural damage, loss of income and funeral expenses. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Chevy Express.
Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
While you’re price shopping online, you should never buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed uninsured motorist or liability limits only to discover later that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage at the best price, not the least amount of coverage.
We’ve covered some good ideas how you can compare 1998 Chevy Express insurance prices online. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers may even find the lowest rates come from the smaller companies. Regional companies often have lower prices on specific markets as compared to the big name companies such as Allstate or State Farm.