Feel like you’re a prisoner to an overpriced auto insurance policy? Trust us, many consumers feel financially strained by their auto insurance policy. Drivers have so many auto insurance companies to buy insurance from, and although it’s a good thing to be able to choose, it can be more difficult to find the lowest rates.
You need to compare prices on a regular basis because rates change quite often. Even if you think you had the best price on Express insurance six months ago you can probably find a lower rate today. Ignore everything you know about auto insurance because you’re about to learn one of the easiest ways to buy cheaper auto insurance.
The purpose of this article is to familiarize you with the best way to quote coverages and some tricks to saving. If you are paying for car insurance now, you should be able to reduce your rates substantially using these tips. Consumers only need to know the most effective way to find the lowest price online.
Insuring your vehicles can cost a lot, but there are discounts available to help offset the cost. Larger premium reductions will be automatically applied when you get a quote, but less common discounts must be specifically requested prior to receiving the credit. If you’re not getting every credit you deserve, you’re just leaving money on the table.
A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Some only apply to specific coverage prices like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, it just doesn’t work that way. Any qualifying discounts will bring down the amount you have to pay.
For a list of providers who offer insurance coverage discounts, follow this link.
When it comes to choosing the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions may help highlight whether or not you would benefit from an agent’s advice.
If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.
Consumers get pounded daily by advertisements for car insurance savings from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing about savings if you move your policy.
How does each company claim to save you money? It’s all in the numbers.
All the different companies have a preferred profile 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, is a homeowner, and has great credit. A propective insured who meets those qualifications is entitled to the best price and is almost guaranteed to save when they switch companies.
Drivers who are not a match for these standards must pay higher rates which leads to business not being written. The ads say “customers that switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can make those claims.
This illustrates why it’s extremely important to get a wide range of price quotes. You cannot predict the company that will give you the biggest savings on Chevy Express insurance.
Understanding the coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average insurance policy.
Auto liability insurance – Liability coverage can cover damages or injuries you inflict on other’s property or people. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage pays for things such as repair costs for stationary objects, loss of income, medical services, structural damage and emergency aid. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.
Comprehensive coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as damage from flooding, damage from a tornado or hurricane, vandalism and hitting a deer. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like dental work, ambulance fees and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible
Collision coverages – Collision insurance 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 then the remaining damage will be paid by your insurance company.
Collision coverage protects against things like damaging your car on a curb, crashing into a ditch, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.
Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Chevy Express.
Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
We just covered quite a bit of information on how to reduce 2006 Chevy Express insurance prices online. The key thing to remember is the more price quotes you have, the better your comparison will be. Drivers may discover the best price on auto insurance is with some of the lesser-known companies. These smaller insurers often have lower prices on specific markets than the large multi-state companies such as Allstate or State Farm.
Cheaper insurance can be purchased both online in addition to many insurance agents, so compare prices from both so you have a total pricing picture. Some auto insurance companies do not provide online quoting and most of the time these small, regional companies sell through independent agents.