Have you fallen victim to an overpriced insurance coverage policy? Believe me when I say there are many people just like you. Multiple insurance companies compete to insure your vehicles, so it’s not easy to compare every provider to get the best rates possible.
You should take the time to do rate comparisons once or twice a year since insurance rates fluctuate regularly. Even if you think you had the best price on Express coverage a couple years back the chances are good that you can find a lower rate today. Starting right now, ignore everything you know about insurance coverage because you’re going to get a crash course in the best way to lower your annual insurance bill.
Car insurance companies don’t always publicize all available discounts very clearly, so here is a list some of the best known and the more hidden savings tricks you should be using. If you’re not getting every credit you deserve, you’re just leaving money on the table.
Drivers should understand that most credits do not apply to the overall cost of the policy. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, you’re out of luck.
Companies who might offer these benefits are:
It’s a good idea to ask all companies you are considering how you can save money. Some discounts may not apply in your state.
When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. For example, these questions might point out whether or not you will benefit from professional help.
If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.
Drivers get pounded daily by advertisements for car insurance savings by companies like 21st Century, Allstate and State Farm. All the ads make an identical promise that you can save if you switch to them.
But how can every company say the same thing? This is how they do it.
All companies can use profiling for the type of driver that earns them a profit. A good example of a profitable customer could be between the ages of 40 and 55, has no driving citations, and has excellent credit. Any new insured that hits that “sweet spot” will get the preferred rates and most likely will save when they switch companies.
Consumers who don’t measure up to this ideal profile will be quoted higher prices which usually ends up with business going elsewhere. The ads say “drivers who switch” not “everybody who quotes” save that kind of money. That is how insurance companies can confidently make those claims. This emphasizes why it’s extremely important to get as many comparisons as possible. It’s just too difficult to predict the company that will provide you with the cheapest Chevy Express insurance rates.
Having a good grasp of your policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types offered by auto insurance companies.
Auto liability – This coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.
Liability coverage pays for things such as repair costs for stationary objects, pain and suffering, court costs, funeral expenses and attorney fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.
Collision coverages – Collision coverage will pay to fix damage to your Express from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as rolling your car, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.
Comprehensive coverage (or Other than Collision) – This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as theft, hitting a bird and hail damage. The most your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like dental work, pain medications, EMT expenses, ambulance fees and nursing services. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries 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 liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.
Cheap 2004 Chevy Express insurance is definitely available on the web in addition to many insurance agents, so compare prices from both to have the best selection. Some companies do not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.
When shopping online for car insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice full coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy the best coverage you can find at a price you can afford while still protecting your assets.
Even more information can be found at these sites: