Trying to find the cheapest insurance coverage rates for your Chevrolet Express? Sick and tired of trying to scrape together enough money to insure your Chevy every month? You are in the same boat as many other drivers. Consumers have many insurers to buy insurance from, and although it’s nice to have a selection, it makes it harder to compare rates and cut insurance costs.
It’s a great practice to do rate comparisons periodically since insurance rates tend to go up over time. Even if you got the best price for Express coverage a couple years back you can probably find a better price now. There is a lot of bad advice regarding insurance coverage online, so by reading this article, you’re going to learn the best ways to stop overpaying for insurance.
All the larger insurance coverage companies quote pricing on the web. This process is pretty painless as you just type in the coverage amounts you desire as requested by the quote form. When the form is submitted, their rating system pulls your driving record and credit report and returns a price. Online quotes simplifies rate comparisons, but the work required to visit different websites and enter the same data into a form is monotonous and tiresome. But it’s very important to do this if you want to find the lowest price.
The preferred way to compare rates uses one simple form to return rates from many companies. This type of form saves time, helps eliminate reptitive entry, and makes online price comparison much easier to do. Immediately after submitting the form, it is rated and you can select any one of the pricing results. If you find a better price you can simply submit the application and purchase the new policy. It just takes a couple of minutes and may result in a nice savings.
To save time and use this form to compare rates, click here to open in new window and fill out the form. If you have coverage now, it’s recommended you copy the coverage information just like they are on your policy. Using the same limits helps guarantee you are getting rate quotes using the exact same coverages.
It’s important that you understand the different types of things that play a part in calculating insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that can help you get big savings.
Shown below are some of the items that factor into your rates.
Companies offering auto insurance don’t always advertise all available discounts very well, so here is a list some of the more common as well as the least known ways to save on auto insurance. If you don’t get every credit available, you are paying more than you should be.
A little note about advertised discounts, some of the credits will not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky.
For a list of providers with the best auto insurance discounts, click here.
When buying proper insurance coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether or not you would benefit from professional advice.
If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.
Knowing the specifics of your insurance policy can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. These are typical coverages found on most insurance policies.
This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 1999 Chevy Express.
Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.
Medical payments and Personal Injury Protection insurance reimburse you for bills for things like X-ray expenses, EMT expenses, hospital visits and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
This coverage will pay to fix damage to your Express caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.
Collision coverage protects against things like colliding with another moving vehicle, hitting a parking meter, damaging your car on a curb, rolling your car and crashing into a building. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.
Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like a tree branch falling on your vehicle, rock chips in glass and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Liability coverage will cover damage that occurs to a person or their property. This insurance protects YOU from legal claims by others. Liability 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. As an example, you may have policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.
Liability can pay for things like pain and suffering, repair costs for stationary objects and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.
We’ve covered quite a bit of information on how to save on 1999 Chevy Express insurance. It’s most important to understand that the more times you quote, the better your comparison will be. You may be surprised to find that the lowest premiums are with some of the smallest insurance companies. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as GEICO and State Farm.
Cost effective insurance can be purchased on the web and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.
When buying insurance coverage, do not buy poor coverage just to save money. There are a lot of situations where someone sacrificed collision coverage and discovered at claim time they didn’t purchase enough coverage. Your aim should be to get the best coverage possible at an affordable rate while still protecting your assets.
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