2007 Chevrolet Express Insurance Cost – 6 Policy Discounts

Are you intimidated by the crazy number of insurance coverage company choices? You have a lot of company. There are so many choices that it can be a lot of work to find lower rates.

If you are paying for car insurance now, you should be able to save some money using these techniques. This information will help you learn the best way to quote coverages. Although vehicle owners must know how insurance companies compete online and apply this information to your search.

How to Compare Car Insurance Rates

When shopping for car insurance there are multiple ways of comparing price quotes from car insurance companies in your area. The fastest way to find the cheapest 2007 Chevy Express insurance rates is to perform an online rate comparison. It is quite easy and can be accomplished in several different ways.

The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This form keeps you from doing repetitive form entry to each individual car insurance company. In just a few minutes this one form gets you coverage quotes direct from many companies. It’s the fastest way to compare.

A more difficult way to obtain and compare quotes online is going to the website for each individual company and complete a new quote form. For sake of this example, let’s assume you want to compare State Farm, Liberty Mutual and Allstate. You would have to take the time to go to each site to input your insurance information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

The hardest method to compare rates is to spend time driving to local insurance agencies. Buying insurance online has reduced the need for local agents unless you require the trained guidance of a local agent. However, consumers can comparison shop online and get advice from an agent in your area.

It doesn’t matter which method you choose, just make darn sure you compare apples-to-apples information for every company. If you compare higher or lower deductibles it’s impossible to make a fair comparison for your Chevy Express. Having just a slight variation in coverages may cause a big price difference. And when comparing car insurance rates, know that obtaining a wide range of quotes will improve the odds of getting the best price.

Are you getting all your discounts?

Car insurance is not cheap, but you may find discounts to reduce the price significantly. Most are applied at the time of quoting, but a few must be requested specifically before they will apply.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can get savings of 20% or more.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you will save up to 20% off your total premium.
  • E-sign – A handful of insurance companies will give a small break for buying a policy and signing up on their website.

Consumers should know that most credits do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts will cut the cost of coverage.

To see a list of providers offering car insurance discounts, click this link.

Tailor your coverage to you

When it comes to choosing the best car insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that might point out whether or not you might need an agent’s assistance.

  • Exactly who is provided coverage by my policy?
  • What is high-risk coverage and where do I buy it?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Can I rent a car in Mexico?
  • Does coverage extend to Mexico or Canada?
  • How much can I save by bundling my policies?
  • Are split liability limits better than a combined single limit?
  • Should I buy additional glass protection?
  • Does my policy cover me when driving someone else’s vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, complete this form.

Auto insurance 101

Understanding the coverages of a car insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Liability auto insurance – Liability insurance protects you from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as emergency aid, bail bonds and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for immediate expenses for funeral costs, dental work and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision – This will pay to fix damage to your Express from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a building, rolling your car 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 raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Chevy Express.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive insurance – This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like fire damage, damage from getting keyed and falling objects. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Shop smart and save

Insureds change insurance companies for a number of reasons such as lack of trust in their agent, delays in paying claims, being labeled a high risk driver or even not issuing a premium refund. Regardless of your reason, finding a new company is easier than you think.

In this article, we presented some good ideas how to lower your 2007 Chevy Express insurance rates. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced insurance coverage comes from the least-expected company.

When buying insurance coverage, make sure you don’t reduce needed coverages to save money. There are many occasions where drivers have reduced collision coverage only to find out they didn’t purchase enough coverage. Your strategy should be to buy enough coverage for the lowest price while not skimping on critical coverages.

More information can be read at the links below