Trying to find better car insurance rates for your Chevrolet Express? Searching for better insurance prices for a Chevy Express could be a painful process, but you can follow a few tricks to find lower rates. There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the proper way to get price quotes for a new or used Chevy and obtain the cheapest rates.
Smart consumers take time to get comparison quotes every six months because prices tend to go up over time. Despite the fact that you may have had the lowest rates on Express coverage six months ago you can probably find a better price now. Starting right now, forget all the misinformation about car insurance because we’re going to show you one of the easiest ways to remove unneeded coverages and save money.
Consumers need to have an understanding of the factors that play a part in calculating the price you pay for insurance. When you know what positively or negatively controls the rates you pay enables informed choices that could result in lower insurance prices.
Companies that sell car insurance don’t always publicize all their discounts in a way that’s easy to find, so the following is a list of some of the best known and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount available, you’re paying more than you need to.
As a disclaimer on discounts, most credits do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, you won’t be that lucky.
To see a list of insurance companies with the best car insurance discounts, click this link.
When choosing the right insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique.
For instance, these questions could help you determine if you might need professional guidance.
If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Knowing the specifics of your auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.
Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as a tree branch falling on your vehicle, hail damage and rock chips in glass. The highest amount your auto insurance company will pay is the 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 provide coverage for short-term medical expenses like chiropractic care, X-ray expenses, nursing services, dental work and ambulance fees. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states and may carry a deductible
Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Chevy Express.
Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims such as rolling your car, colliding with another moving vehicle, hitting a parking meter, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.
Coverage for liability – This protects you from damage that occurs to people or other property. It protects you against other people’s claims, 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. As an example, you may have liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.
Liability insurance covers things like structural damage, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.
Cost effective 2002 Chevy Express insurance is available both online and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies do not offer online price quotes and these smaller companies work with independent agents.
We’ve covered many ways to lower your insurance rates. The key thing to remember is the more times you quote, the better your comparison will be. Drivers may discover the best prices are with an unexpected company.
When shopping online for insurance, never skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice collision coverage only to find out that it was a big error on their part. Your aim should be to get the best coverage possible at an affordable rate while still protecting your assets.