Compare 2016 Chevrolet Express Car Insurance Quotes

Looking for the cheapest insurance coverage rates for your Chevrolet Express? Are you tired of trying to scrape together enough money to pay insurance coverage each month? You are in the same boat as millions of other drivers. Multiple insurers compete to insure your vehicles, and because of this it can be hard to compare insurers and uncover the absolute best price available.

If you have a current insurance policy or are looking for a new policy, you can use this information to cut your premiums while maximizing coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers just need to understand the proper way to compare rates over the internet.

Discounts to earn lower-cost auto insurance rates

Insurance can cost an arm and a leg, but you might be missing out on some discounts to help offset the cost. Some trigger automatically when you quote, but a few must be specifically requested before you get the savings. If you do not double check each discount available, it’s possible you qualify for a lower rate.

• Driving Data Discount – Drivers that enable driving data submission to look at driving patterns by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they are good drivers.
• Safe Drivers – Safe drivers can save as much as half off their rates for Express insurance than less cautious drivers.
• Low Mileage Discounts – Low mileage vehicles may allow you to get lower auto insurancerates due to less chance of an accident.
• Sign Early and Save – A few auto insurance companies offer discounts for renewing your policy prior to your current policy expiration. It’s a savings of about 10%.
• Discounts for Seat Belt Usage – Drivers who require all occupants to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
• E-sign – A few larger online companies give back up to $50 for buying your policy on the internet.

Don’t be shocked that most credits do not apply to the overall cost of the policy. Most cut specific coverage prices like medical payments or collision. Even though the math looks like all the discounts add up to a free policy, that’s just not realistic.

Companies and some of the discounts can be found below.

• Geico may offer discounts for anti-lock brakes, multi-policy, federal employee, multi-vehicle, military active duty, and defensive driver.
• MetLife policyholders can earn discounts including accident-free, good student, defensive driver, multi-policy, good driver, claim-free
• Progressive may have discounts that include homeowner, online quote discount, continuous coverage, online signing, good student, multi-policy, and multi-vehicle.
• Travelers offers discounts including hybrid/electric vehicle, multi-car, multi-policy, payment discounts, and save driver.
• SAFECO has savings for bundle discounts, anti-lock brakes, safe driver, homeowner, and teen safe driver.
• AAA offers discounts for anti-theft, AAA membership discount, multi-policy, good student, multi-car, good driver, and pay-in-full.

When getting free insurance coverage quotes, it’s a good idea to all the companies what discounts are available to you. All car insurance discounts may not apply to policyholders in every state. For a list of insurers who offer discounts, click here.

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Finding insurance

Lowering your 2016 Chevy Express insurance rates is a fairly straight forward process. All you need to do is spend a few minutes on the computer comparing rates provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The best way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This type of form saves time by eliminating repetitive form entry for each company you want a rate for. One form gets insurance cost estimates from multiple low-cost companies.

A slightly less efficient method to analyze rates requires a trip to each individual company website to complete their respective quote request forms. For example, we’ll assume you want to compare rates from Auto-Owners, Progressive and American Family. In order to get each rate, you would have to go to every website and repeatedly enter your information, and that explains why we recommend the first method. To view a list of companies in your area, click here.

The last method to find and compare rates is to spend time driving to different agent offices. Doing it all online reduces the need to sit down with an agent unless your situation requires the extra assistance of a local agent. It is possible with some companies price shop your coverage online and get advice from an agent in your area.

Which method you use is up to you, but try to keep apples-to-apples coverages for every company. If the quotes have unequal deductibles or liability limits it will be nearly impossible to truly determine the lowest rate.

Tailor your car insurance coverage to you

When it comes to choosing adequate coverage, there is no one size fits all plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that might point out whether your personal situation will benefit from professional help.

• Can I rent a car in Mexico?
• Is my teen driver covered when they drive my company car?
• How does medical payments coverage work?
• Should I file a claim if it’s only slightly more than my deductible?
• How can I get my company to pay me more for my totalled car?
• Do I benefit by insuring my home with the same company?
• Is my teenager covered with friends in the car?
• Is a new car covered when I drive it off the dealer lot?
• Is my 2016 Chevy Express covered for flood damage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Coverages available on your policy

Understanding the coverages of your car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types found on most car insurance policies.

Liability

Liability insurance will cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has 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 policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like bail bonds, court costs and structural damage. How much coverage you buy is up to you, but you should buy higher limits if possible.

Comprehensive car insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, vandalism, hail damage and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Chevy Express.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Collision coverage

This will pay to fix damage to your Express caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like damaging your car on a curb, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for nursing services, chiropractic care, funeral costs and surgery. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

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Get your money’s worth

We just presented a lot of tips how to save on 2016 Chevy Express insurance. The key concept to understand is the more you quote insurance coverage, the higher your chance of finding cheaper insurance coverage. Drivers may discover the best price on insurance coverage is with the smaller companies. Smaller companies can often provide lower rates in certain areas compared to the large companies like State Farm or Progressive.

Budget-conscious 2016 Chevy Express insurance can be sourced from both online companies in addition to local insurance agencies, so you need to shop insurance coverage with both to have the best rate selection. Some insurance companies may not offer online quoting and usually these regional insurance providers sell through independent agents.

Additional detailed information is available by following these links:

• Get the Right Protection (InsureUonline.org)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)

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