Compare 2017 Chevrolet Express Insurance Rates

Shopping for discount insurance coverage over the internet might appear rather difficult for people who are new to online price comparisons. With so many options of insurance companies available, how are people able to possibly compare every company in order to find the lowest rates?

These discounts can reduce insurance coverage rates

Companies that sell car insurance do not list every disount available in an easy-to-find place, so the next list breaks down both the well known in addition to some of the lesser obvious credits that you can use to lower your rates. If you check and find you aren’t receiving every discount possible, you are not getting the best rate possible.

• Professional Memberships – Having an affiliation with a professional or civic organization may earn a discount on your bill.
• Use Seat Belts – Using a seat belt and requiring all passengers to fasten their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
• Discount for Life Insurance – Select insurance coverage companies reward you with lower prices if you buy some life insurance too.
• Senior Discount – If you’re over the age of 55, you could receive lower premium rates on Express coverage.
• Multi-Vehicle Discounts – Buying a policy with multiple cars on a single policy can get a discount for every vehicle.
• Low Miles Discount – Keeping the miles down on your Chevy could qualify for better insurance coveragerates on cars that stay parked.
• Discounts for Government Workers – Active or retired federal employment could provide a small rate reduction on Express coverage with some insurance coverage companies.
• Early Renewal Discounts – Some insurance coverage companies give discounts for buying a policy prior to your current policy expiration. You could save around 10% when you buy insurance online.

A quick disclaimer, most discounts do not apply the the whole policy. A few only apply to the cost of specific coverages such as comp or med pay. Just because you may think having all the discounts means you get insurance for free, it just doesn’t work that way.

The best insurance coverage companies and a partial list of their discounts are:

• State Farm offers premium reductions for good student, good driver, multiple policy, multiple autos, anti-theft, and safe vehicle.
• Farmers Insurance may offer discounts for distant student, mature driver, early shopping, homeowner, good student, and electronic funds transfer.
• Geico includes discounts for air bags, multi-policy, good student, emergency military deployment, seat belt use, driver training, and anti-lock brakes.
• American Family discounts include air bags, early bird, good student, good driver, multi-vehicle, and accident-free.
• Nationwide policyholders can earn discounts including Farm Bureau membership, easy pay, accident-free, defensive driving, good student, and multi-policy.
• Progressive offers discounts for continuous coverage, multi-vehicle, good student, homeowner, and online quote discount.

When comparing rates, check with every prospective company which discounts they offer. Some credits may not be available in every state. To see a list of insurance coverage companies with the best discounts, click here.

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Ways to get insurance quotes

Most of the larger companies give price estimates direct online. Comparing prices online is pretty easy because it’s just a matter of typing in your required coverages as detailed in the form. Upon sending the form, the company’s rating system automatically retrieves your driving and credit reports and returns pricing information based on these and other factors.

Online quotes makes it simple to compare prices but the work required to visit a lot of sites and fill out multiple forms is a waste of time. But it is imperative to get many rate quotes if you are searching for the lowest insurance rates.

A more efficient way to compare rates uses one simple form that analyzes rates from a lot of companies. It saves time, eliminates form submissions, and makes comparison shopping much more enjoyable and efficient. As soon as you send your information, your coverage is rated with multiple companies and you can pick any of the price quotes you receive.

If the quotes result in lower rates, you simply finish the application and buy the policy. The whole process takes just a few minutes to complete and may save quite a bit of money.

If you want to find out if lower rates are available, click here to open in new window and submit the form. If you currently have coverage, we recommend you input the coverages just like they are on your policy. This way, you will be getting a fair comparison using the same coverage and limits.

When do I need an agent’s advice?

When choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine if your situation would benefit from professional advice.

• Where can I find high-risk insurance?
• Do I have any recourse if my insurance company denies a claim?
• Am I covered if I crash into my own garage door?
• Do I need roadside assistance coverage?
• Does my 2017 Chevy Express need full coverage?
• Are my friends covered when driving my car?
• Am I covered when using my vehicle for business?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form.

Car insurance coverage information

Knowing the specifics of your policy aids in choosing which coverages you need for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like fire damage, a broken windshield, damage from getting keyed, falling objects and rock chips in glass. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision protection

This pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, scraping a guard rail, damaging your car on a curb, sustaining damage from a pot hole and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Medical costs insurance

Med pay and PIP coverage reimburse you for expenses for things like dental work, chiropractic care and EMT expenses. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

This coverage will cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits 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 property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers claims like legal defense fees, medical services, loss of income, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

UM/UIM Coverage

This gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Express.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

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Final thoughts

In this article, we covered some good ideas how to lower your 2017 Chevy Express insurance prices. It’s most important to understand that the more times you quote, the better likelihood of getting affordable insurance. You may even find the biggest savings come from a small mutual company.

Low-cost 2017 Chevy Express insurance can be found from both online companies as well as from insurance agents, so you need to quote insurance with both so you have a total pricing picture. Some car insurance companies do not offer price quotes online and these small insurance companies provide coverage only through independent insurance agents.

People who switch companies do it for many reasons like lack of trust in their agent, policy cancellation, not issuing a premium refund or being labeled a high risk driver. No matter why you want to switch, finding the right car insurance provider is pretty simple and you could end up saving a buck or two.

Helpful learning opportunities

• What is Covered by GAP Insurance? (Allstate)
• Liability Insurance Coverage (Nationwide)
• Five Mistakes to Avoid (Insurance Information Insitute)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Event Data Recorders FAQ (iihs.org)

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