2014 Chevrolet Express Car Insurance Quotes

Searching for the most affordable insurance over the internet may be problematic for consumers new to buying insurance online. With so many insurance companies available, how can you have a chance to compare the different rates to find the cheapest rates?

Finding Insurance

To find the best insurance prices, there are several ways to compare rate quotes from local insurance companies. The quickest method to find the cheapest 2014 Chevy Express insurance rates is to use the internet to compare rates. This can be accomplished in just a few minutes using one of these methods.

  1. One of the simplest ways to get quotes is a comparison rater form like this one (opens in new window). This form eliminates the need for separate quote forms for each company you want a rate for. Filling out one form will get you rate comparisons from several companies. Just one form and you’re done.
  2. A more time consuming way to compare rate quotes consists of visiting each company website and request a quote. For sake of this example, we’ll pretend you want to compare rates from USAA, GEICO and American Family. You would have to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  3. The hardest method to compare rates is to drive around to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you prefer the trained guidance only provided by licensed agents. Drivers can comparison shop online and get advice from an agent in your area and we’ll touch on that later.

It’s up to you which method you use, but make sure you use the exact same quote information for every company. If you compare unequal deductibles or liability limits it will be very difficult to find the best deal for your Chevy Express. Slightly different coverage limits can result in a big premium difference. And when price shopping your coverage, comparing more company’s prices gives you a better chance of getting a better price.

Pay less for 2014 Chevy Express insurance

Auto insurance companies do not list all their discounts very clearly, so we took the time to find some of the more common as well as the least known discounts you could be receiving.

  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Senior Citizens – If you’re over the age of 55, you may be able to get better insurance rates for Express insurance.
  • College Student – Any of your kids living away from home attending college and don’t have a car can receive lower rates.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Federal Government Employee – Active or retired federal employment may qualify you for a discount for Express insurance with certain companies.
  • No Charge for an Accident – Some insurance companies will forgive one accident without raising rates if you are claim-free prior to the accident.
  • Driver Safety – Taking a driver safety course could possibly earn you a 5% discount if your company offers it.
  • Paperwork-free – Some insurance companies will give a small break for buying your policy over the internet.

Consumers should know that most discount credits are not given to all coverage premiums. Some only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way.

Companies that possibly offer these discounts include:

Before buying, ask all companies you are considering which discounts you may be entitled to. All car insurance discounts might not be offered in your area.

Why your Chevy Express insurance rates may be high

It’s important that you understand the different types of things that play a part in calculating the price you pay for insurance coverage. When you know what positively or negatively determines base rates empowers consumers to make smart changes that will entitle you to big savings.

Shown below are some of the factors used by your company to calculate prices.

  • Your insurance coverage rates can be influenced by your job – Jobs such as lawyers, social workers and accountants tend to have higher rates than average because of job stress and lots of time spent at work. On the flip side, professions such as actors, athletes and retirees receive lower rates for Express insurance.
  • Bad driving skills means higher rates – A bad driving record has a lot to do with how much you pay for insurance. Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Only having one speeding ticket can bump up the cost by twenty percent. If you have severe violations such as DUI or reckless driving may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.
  • Multiple policies with one company can save – Most insurers will give a discount to customers who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to compare other company rates to verify if the discount is saving money.
  • A lapse in coverage is a bad thing – Having an insurance coverage lapse will be a guaranteed way to increase your insurance coverage rates. And not only will your rates increase, but not being able to provide proof of insurance can result in a steep fine or even jail time.

Tailor your coverage to you

When buying adequate coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that may help you determine if you may require specific advice.

  • Am I covered when driving a rental car?
  • How can I find cheaper teen driver insurance?
  • Can I get a multi-policy discount?
  • Will my rates increase for filing one claim?
  • Do I need more liability coverage?
  • Does my insurance cover a custom paint job?
  • What is the difference between comprehensive and collision coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Beware of misleading auto insurance ads

Auto insurance providers like GEICO, State Farm and Progressive constantly bombard you with ads on TV and radio. They all have a common claim that you’ll save big if you switch your coverage to them. But how can every company make the same claim?

All companies have a preferred profile for the driver that makes them money. For instance, a driver they prefer could possibly be between 25 and 40, a clean driving record, and drives newer vehicles. Any driver who matches those parameters will get very good rates and therefore will pay quite a bit less when switching companies.

Drivers who fall outside this ideal profile will be quoted a higher premium and ends up with the driver buying from a lower-cost company. The ads state “customers who switch” but not “drivers who get quotes” save that much money. That’s the way insurance companies can confidently claim big savings. This emphasizes why it’s extremely important to compare many company’s rates. It is impossible to predict which auto insurance company will have the lowest Chevy Express insurance rates.

Car insurance coverages for a 2014 Chevy Express

Knowing the specifics of auto insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Medical expense insurance

Med pay and PIP coverage kick in for expenses like rehabilitation expenses, dental work, X-ray expenses, prosthetic devices and doctor visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, damage from a tornado or hurricane, damage from getting keyed, hail damage and vandalism. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages

Liability coverage provides protection from injuries or damage you cause to other people or property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as emergency aid, legal defense fees, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Collision protection

This coverage pays for damage to your Express resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as scraping a guard rail, sideswiping another vehicle, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants 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. So UM/UIM coverage is very important.

Coverage on a shoestring budget

Cheaper 2014 Chevy Express insurance is definitely available both online as well as from independent agents, and you should be comparing both to have the best rate selection. Some insurance companies don’t offer the ability to get a quote online and these small, regional companies work with independent agents.

People change insurance companies for a variety of reasons including extreme rates for teen drivers, delays in responding to claim requests, unfair underwriting practices or policy cancellation. No matter why you want to switch, switching companies is actually quite simple.

As you prepare to switch companies, it’s very important that you do not reduce needed coverages to save money. There have been many situations where consumers will sacrifice liability limits or collision coverage only to find out that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at an affordable rate while still protecting your assets.

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