2009 Chevrolet Express Car Insurance Quotes – 7 Ideas for Best Rates

Searching for better insurance rates for your Chevrolet Express? Expensive insurance can take a big chunk out of your personal savings and make it hard to pay other bills. Doing a price comparison is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income. Online insurance companies like State Farm, Farmers Insurance, GEICO and Allstate constantly bombard you with catchy ads and it is difficult to avoid their marketing magic and find the best price available.

If you have insurance now or need new coverage, you can use these tips to find better prices and still get good coverage. Choosing the best insurance company for you is not rocket science. Drivers just need to understand how to shop their coverage around online.

Automobile Insurance Quotes

All major car insurance companies allow you to get pricing directly from their websites. Getting online quotes is pretty painless as you simply enter your personal and coverage information into a form. Once entered, the system pulls information on your driving record and credit history and gives you a price quote. Being able to quote online helps simplify price comparisons, but the time it takes to visit different websites and enter the same data into a form gets old quite quickly. But it’s very important to get many rate quotes in order to find the best price on car insurance.

An easier way to get multiple rate quotes is to use a quote form that gets price quotes from several different companies. The form is fast, eliminates form submissions, and makes online price comparison much simpler. After sending the form, it is quoted and you can select any of the quotes returned. If the quotes result in lower rates, you can simply submit the application and buy the policy. The entire process takes 15 minutes at the most and you will find out if you’re overpaying now.

To find out how much you can save on car insurance, simply click here to open in new window and submit the form. If you currently have coverage, we recommend you copy the limits and deductibles exactly as they are listed on your policy. This helps ensure you will have rate comparison quotes based on the exact same insurance coverage.

Save big with these seven discounts

Companies offering auto insurance don’t always advertise all their discounts very clearly, so we took the time to find some of the more common as well as the least known savings tricks you should be using. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • College Student – Any of your kids who are attending college without a vehicle on campus may qualify for this discount.
  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts could save 15% off the personal injury premium cost.
  • Sign Online – Certain companies may give you up to $50 simply for signing on their website.
  • Multi-car Discount – Having more than one vehicle on one policy qualifies for this discount.
  • Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Accident Free – Drivers with accident-free driving histories can save substantially when compared to drivers who are more careless.
  • Early Signing – A few companies offer discounts for buying a policy before your current policy expires. This can save 10% or more.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. Just because you may think you can get free auto insurance, you’re out of luck.

Companies who might offer these discounts are:

It’s a good idea to ask each company which discounts you may be entitled to. Some discounts might not apply in every state.

But I don’t know anything about car insurance

When it comes to buying adequate coverage for your vehicles, there really is not a one size fits all plan. Every insured’s situation is different so this has to be addressed. These are some specific questions could help you determine whether you may require specific advice.

  • Will filing a claim cost me more?
  • Is my teenager covered with friends in the car?
  • Do I need higher collision deductibles?
  • How do I buy GAP insurance?
  • Do I need replacement cost coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Are my tools covered if they get stolen from my vehicle?
  • When should I drop full coverage on my 2009 Chevy Express?
  • Am I covered if I wreck a rental car?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Do insurance companies bend the truth?

Consumers constantly see and hear ads for the lowest price auto insurance from companies such as Allstate, GEICO and Progressive. All the companies say the same thing that you’ll save big after switching your policy.

How can each company claim to save you money? It’s all in the numbers.

All the different companies have a preferred profile for the right customer that earns them a profit. For instance, a profitable customer might be profiled as between 30 and 50, is a homeowner, and chooses high deductibles. A propective insured who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Potential customers who do not match these standards must pay higher premiums and ends up with business going elsewhere. The ads state “drivers who switch” not “everyone that quotes” save that much money. This is how insurance companies can confidently make the claims of big savings. This illustrates why you should get as many comparisons as possible. It’s just too difficult to predict which insurance company will provide you with the cheapest Chevy Express insurance rates.

Auto insurance coverage specifics

Understanding the coverages of auto insurance can be of help when determining the right coverages for your vehicles. Auto insurance terms can be impossible to understand and coverage can change by endorsement. These are the normal coverages found on most auto insurance policies.

Liability coverage

This coverage will cover injuries or damage you cause to other people or property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of 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 values of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as legal defense fees, funeral expenses and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2009 Chevy Express.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision insurance

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with a tree, sustaining damage from a pot hole, crashing into a building and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive auto insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, vandalism, a broken windshield and hail damage. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like ambulance fees, hospital visits and funeral costs. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Shop Smart and Save

Cheaper 2009 Chevy Express insurance can be purchased from both online companies as well as from independent agents, so you should compare both to get a complete price analysis. A few companies don’t offer you the ability to get quotes online and these smaller companies work with independent agents.

We’ve covered some good ideas how to shop for insurance online. The key thing to remember is the more you quote, the higher your chance of finding lower rates. Drivers may discover the most savings is with an unexpected company. Smaller companies may cover specific market segments cheaper compared to the large companies like GEICO and State Farm.

Additional information