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.
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.
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.
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.
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.
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.
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.
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 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.
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.
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 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.
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