Compare 2004 Chevrolet Express Insurance Rates

Getting the most affordable insurance can seem to be rather challenging for drivers who are beginners to quoting and buying insurance on the internet. With literally dozens of companies, how can you have time to compare every company in order to find the lowest price?

Why your insurance rates might be higher

Consumers need to have an understanding of a few of the rating criteria that are used to determine your policy premiums. When consumers understand what influences your rates, this empowers consumers to make smart changes that could help you find much lower annual insurance costs. Many factors are considered when premium rates are determined. Some are obvious such as your driving record, although others are not as apparent like your continuous coverage or how safe your car is.

The itemized list below are a few of the things insurance companies consider when setting rates.

• Costs also based on gender – Statistics show that men are more aggressive behind the wheel. It does not mean women are BETTER drivers than men. Men and women cause accidents at about the same rate, but guys cause more damage. Men also have more aggressive citations like reckless driving and DUI. Youthful male drivers have the highest risk to insure and therefore pay the highest rates.
• Compare rates if you bundle your policies – Most insurance companies will give discounts to people who buy several policies from them such as combining an auto and homeowners policy. Even if you already get this discount, drivers will still want to compare other insurance prices to confirm you are receiving the best rates possible. Consumers may save even more than the discount by buying insurance from a different company.
• Incidental coverages are wasting money – There are many additional extra coverages that may not really be needed if you aren’t diligent. Insurance for vanishing deductibles, accidental death, and term life insurance are examples of these. They may seem good when you first buy your policy, but now you might not need them so get rid of them and save.
• Your car’s features help determine premiums – Driving a car that has an advanced theft prevention system can help lower your rates. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder vehicle theft.

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Drivers can save with with these discounts

Insurance can be prohibitively expensive, but there could be significant discounts that you may not even know about. Certain reductions will be credited when you get a quote, but once in a while a discount must be asked about before they will apply.

• One Accident Forgiven – Not necessarily a discount, but a handful of insurance companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a specific time period.
• Own a Home – Owning a home can help you save on insurance coverage since owning and maintaining a home is proof that your finances are in order.
• College Student – Any of your kids who live away from home to go to college without a vehicle on campus could qualify for this discount.
• Claim-Free Discount – Insureds who avoid accidents and claims can earn big discounts when compared with frequent claim filers.
• Paperless Signup – A few larger online companies provide a small discount for buying your policy over the internet.
• Telematics Devices – Drivers that enable driving data collection to monitor driving manner remotely like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they are good drivers.
• Federal Employees – Active or former government employment could qualify for a slight premium decrease on Express insurance but check with your company.
• Safe Driver Discounts – Drivers who avoid accidents can pay as much as 50% less on Express insurance compared to rates paid by drivers with frequent claims.
• Discount for New Cars – Buying a new car instead of a used car can get you a discount due to better safety requirements for newer models.
• Discount for Multiple Policies – If you can combine your home and auto policy and insure them both with the same insurance company you may earn up to 20% off your total premium.

Policy discounts save money, but most discounts do not apply to all coverage premiums. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Despite the appearance that adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Insurance companies who might offer these benefits include:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• Geico
• AAA

Before you buy a policy, ask each company or agent which discounts you may be entitled to. All car insurance discounts may not apply in your area. To see a list of insurance companies offering insurance coverage discounts, click this link.

Your situation helps dictate your coverage

When it comes to choosing the best car insurance coverage, there really is not a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that may help highlight whether you might need an agent’s assistance.

• Does my policy cover me when driving someone else’s vehicle?
• Do I benefit by insuring my home with the same company?
• How high should my uninsured/underinsured coverage be in my state?
• Will my insurance pay for OEM parts?
• Do I have newly-aquired coverage?
• Are rock chip repairs covered?
• I have health insurance so do I need medical payments coverage?
• Are there companies who specialize in insuring high-risk drivers?
• Should I carry comprehensive and collision coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form.

Car insurance policy specifics

Knowing the specifics of car insurance helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for short-term medical expenses like pain medications, chiropractic care, prosthetic devices and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability auto insurance – Liability coverage provides protection from damage or injury you incur to other people or property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as medical expenses, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverages – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as falling objects, hail damage and damage from getting keyed. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage – Collision coverage will pay to fix damage to your Express caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like rolling your car, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Chevy Express.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

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Save your cold hard cash

We covered some good ideas how to get a better price on 2004 Chevy Express insurance. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with some of the lesser-known companies.

Lower-priced 2004 Chevy Express insurance can be purchased on the web and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who do not offer internet price quotes and most of the time these small insurance companies sell through local independent agencies.

Insureds switch companies for a variety of reasons including high prices, being labeled a high risk driver, poor customer service and even an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching auto insurance companies can be pretty painless.

More information

• Young Drivers: The High Risk Years Video (iihs.org)
• Should I Buy a New or Used Car? (Allstate)
• State Car Insurance Guides (Geico)
• Rental Reimbursement Coverage (Allstate)

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