1997 Chevrolet Express Car Insurance Rates – 6 Tips for Cheaper Quotes

Trying to find the cheapest car insurance rates for your Chevrolet Express? Searching for the cheapest insurance for a Chevy Express can turn out to be a lot of work, but you can follow these tips to find lower rates.

There is a right way and a wrong way to shop for car insurance so we’re going to tell you the best way to price shop coverage for a Chevy and obtain the cheapest rates.

Low cost insurance coverage

Reducing your 1997 Chevy Express insurance rates can be quick and easy. The only requirement is to take time comparing free insurance quotes to discover which company has the cheapest insurance quotes. Insurance prices can be quoted in a couple of different ways.

  • The fastest way to get quotes is a comparison rater form click here to open form in new window. This method saves time by eliminating multiple quote forms for each company you want a rate for. One form gets insurance cost estimates from insurance coverage companies with the best prices. Recommended for those who want to invest the least amount of time.
  • A harder way to get quotes online requires a trip to each company website to request a price quote. For examples sake, let’s say you want to view quotes from Liberty Mutual, Progressive and Travelers. To get each rate you have to visit each site and enter your policy data, which can take a lot of time. For a list of links to companies insuring cars in your area, click here.

You can choose any of those ways to find more affodable coverage, but try to keep the same deductibles and coverage limits with every price quote. If you have higher or lower deductibles it’s not possible to determine the lowest rate for your Chevy Express.

Earn discounts to get lower-cost insurance coverage rates

Companies offering auto insurance don’t always list the entire discount list in a way that’s easy to find, so the following list contains some of the best known in addition to some of the lesser obvious discounts that you can inquire about if you buy insurance online.

  • Multi-policy Discount – If you have multiple policies with the same insurance company you may save approximately 10% to 15%.
  • Own a Home – Simply owning a home may trigger a policy discount on insurance coverage because of the fact that having a home requires a higher level of personal finance.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Defensive Driver – Successfully completing a driver safety course may get you a small discount and also improve your driving technique.
  • Professional Memberships – Joining certain professional organizations could qualify you for a break on your policy.
  • Passive Restraint Discount – Options like air bags may qualify for discounts of 20 to 30 percent.

One last thing about discounts, some credits don’t apply to the entire cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, nobody gets a free ride.

Some of the larger companies that may have most of the discounts above include:

When getting a coverage quote, ask all the companies which credits you are entitled to. Some of the earlier mentioned discounts might not be offered on policies in your area. If you would like to see a list of providers that provide some of the discounts listed above, click here.

Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different.

These are some specific questions may help you determine if your insurance needs would benefit from professional advice.

  • What is an SR-22 filing?
  • When do I need to add a new car to my policy?
  • Do I have coverage when using my vehicle for my home business?
  • What vehicles should carry emergency assistance coverage?
  • What if I don’t agree with a claim settlement offer?
  • What are the financial responsibility laws in my state?
  • Should I have combined single limit or split liability limits?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Car insurance coverage breakdown

Having a good grasp of your policy can help you determine the best coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Liability coverages

Liability insurance can cover damage that occurs to other’s property or people by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as repair bills for other people’s vehicles, attorney fees, loss of income, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1997 Chevy Express.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, fire damage, rock chips in glass and falling objects. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

Collision insurance covers damage to your Express caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like colliding with a tree, driving through your garage door and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as hospital visits, chiropractic care and pain medications. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage