2000 Chevrolet Express Insurance Rates

Trying to find lower car insurance rates for your Chevrolet Express? Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out. You have multiple insurers to purchase coverage from, and although it’s nice to have multiple companies, it makes it harder to compare rates and find the lowest cost car insurance.

Insurance Coverage Comparisons

Effectively comparing insurance coverage prices is a ton of work if you don’t understand the easiest way. You could spend your day driving to insurance agencies in your area, or you could save time and use online quotes to get rates in a matter of minutes.

Many insurance companies participate in an industry program where prospective buyers only type in their quote data once, and each company then returns a price quote based on that information. This prevents consumers from doing quote forms to every company.

To find out what other companies charge for 2000 Chevy Express insurance click here (opens in new window).

The only downside to doing it this way is you can’t choose which companies to get pricing from. So if you want to choose specific insurance companies to compare rates, we have a page of companies who write insurance coverage in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make absolute certain that you use exactly the same coverages on every quote. If you enter different deductibles then you won’t be able to find the best deal for your Chevy Express.

Don’t overlook these discounts

Car insurance companies don’t always publicize all their discounts very well, so the following is a list of some of the more common as well as the least known savings tricks you should be using. If you don’t get every credit available, you are throwing money away.

  • No Accidents – Drivers who don’t have accidents pay less as compared to frequent claim filers.
  • Organization Discounts – Belonging to certain professional organizations could qualify you for a break when buying car insurance for Express coverage.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • Low Mileage Discounts – Keeping the miles down on your Chevy can qualify you for lower rates on the low mileage vehicles.
  • Multiple Vehicles – Buying insurance for multiple vehicles with the same company can get a discount on all vehicles.
  • Early Signing – Select companies give a discount for switching policies before your current expiration date. This can save 10% or more.
  • Drivers Education – Require your teen driver to enroll in driver’s education if it’s offered in school.
  • Homeowners Pay Less – Owning a house can save you money due to the fact that maintaining a home requires personal responsibility.

It’s important to note that most credits do not apply the the whole policy. Some only apply to the cost of specific coverages such as medical payments or collision. Even though it may seem like all those discounts means the company will pay you, it doesn’t quite work that way.

Car insurance companies that may offer these money-saving discounts are:

Check with every prospective company what discounts are available to you. Savings may not apply in every state.

Impacting insurance rates for a Chevy Express

It’s important that you understand some of the elements that go into determining car insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that can help you get better car insurance rates.

  • Careful drivers pay lower rates – Even one moving violation may increase your cost by twenty percent. Drivers with clean records receive lower rates than people who have multiple driving citations. If you have severe violations like hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.
  • Low deductibles can be expensive – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Chevy. Some instances where coverage would apply are collision with another vehicle, vandalism, and burglary. The deductibles are how much you are willing to pay out-of-pocket before your car insurance pays a claim. The more money you are required to pay out-of-pocket, the less your car insurance will be for Express coverage.
  • Don’t sacrifice liability coverage – The liability section of your policy is the coverage that protects you if ever a court rules you are at fault for damages caused by your negligence. It provides legal defense coverage starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
  • One company can mean more discounts – Most car insurance companies provide better rates to insureds who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. Even if you’re getting this discount you still need to comparison shop to ensure the best deal.
  • Pleasure use saves money – The more you drive in a year the higher your rate. Most insurance companies rate vehicles based upon how you use the vehicle. Vehicles left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your car insurance policy is showing the correct driver usage. If your policy improperly rates your Express can result in significantly higher rates.
  • Sex matters – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that women are BETTER drivers than men. They both tend to get into accidents in similar numbers, but the male of the species cause more damage. Men also tend to get cited for more serious violations like reckless driving and DUI. Young males are most likely to cause an accident and thus pay the highest rates.
  • Don’t cancel a policy without a new one in place – Allowing your car insurance policy to lapse will be a quick way to increase your car insurance rates. Not only will you pay more, but being ticketed for driving with no insurance can result in a revoked license or a big fine.

Is my situation unique?

When it comes to buying proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique so your insurance should reflect that These are some specific questions might point out if you could use an agent’s help.

  • What are the financial responsibility laws in my state?
  • Do I need roadside assistance coverage?
  • Is my teen driver covered when they drive my company car?
  • Does my insurance cover a custom paint job?
  • Do I have coverage if my license is suspended?
  • Does my 2000 Chevy Express qualify for pleasure use?
  • What is the difference between comprehensive and collision coverage?
  • Will my insurance pay for OEM parts?
  • How high should deductibles be on a 2000 Chevy Express?
  • Is there coverage for injuries to my pets?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Ads can be misleading

Consumers can’t ignore all the ads for cheaper car insurance by companies like State Farm and Allstate. They all seem to have a common claim that you can save if you change to them.

How can each company make the same claim?

Different companies have a preferred profile for the right customer they prefer to insure. For example, a desirable insured might be profiled as over the age of 50, is a homeowner, and has a high credit rating. Any driver who meets those qualifications is entitled to the best price and is almost guaranteed to save when switching.

Potential insureds who don’t qualify for the requirements will be charged higher rates which usually ends up with business not being written. The ads say “customers that switch” not “people who quote” save that kind of money. That’s why companies can truthfully claim big savings. That is why drivers should get quotes from several different companies. It’s impossible to know the company that will give you the biggest savings on Chevy Express insurance.

Auto insurance coverages

Understanding the coverages of insurance can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by insurance companies.

Liability auto insurance – This coverage can cover damages or injuries you inflict on other’s property or people in an accident. It protects you from claims by other people, and doesn’t cover 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 values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as medical expenses, loss of income, funeral expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for expenses for pain medications, chiropractic care and X-ray expenses. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverages – This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as falling objects, a tree branch falling on your vehicle, fire damage and vandalism. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Chevy Express.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Collision coverages – This coverage will pay to fix damage to your Express resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a building, hitting a mailbox, backing into a parked car and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Don’t throw your cash in the trash

You just read a lot of tips how to compare 2000 Chevy Express insurance prices online. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. You may even find the biggest savings come from some of the lesser-known companies. They often have lower prices on specific markets as compared to the big name companies such as State Farm, GEICO and Nationwide.

Budget-conscious insurance is definitely available both online and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers do not offer online quoting and these small, regional companies work with independent agents.

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