Finding cheaper insurance for a Chevy Express can be a lot of work, but you can follow these tips and make it easy.
There is a right way and a wrong way to buy car insurance and we’ll show you the absolute fastest way to quote coverages for a Chevy and obtain the lowest possible price.
Most larger insurance companies such as State Farm, Allstate and GEICO give prices for coverage directly from their websites. The process is quite simple 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 collects your driving record and credit report and generates pricing information.
This helps simplify price comparisons, but the time required to go to different websites and type in the same data is monotonous and tiresome. Unfortunately, it is important to do this if you are searching for the lowest price.
There is a better way to compare rates
A more efficient way to find cheaper rates uses one simple form that analyzes rates from several companies at one time. It saves time, eliminates repetitive work, and makes quoting online much more efficient. As soon as the form is sent, it is quoted with multiple companies and you can pick any or none of the quotes that you receive.
If you find a better price you can simply submit the application and purchase the new policy. It just takes a couple of minutes and you will find out if you’re overpaying now.
If you want to fill out one form to compare multiple rates now, click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you copy your coverages identical to your current policy. Doing this assures you will receive a fair comparison for similar coverage.
Buying car insurance is not cheap, but you might find some hidden discounts to help bring down the price. A few discounts will automatically apply at the time of purchase, but some discounts are required to be inquired about in order for you to get them.
As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to individual premiums such as medical payments or collision. So even though you would think all those discounts means the company will pay you, you aren’t that lucky.
A partial list of companies that may have these discounts may include but are not limited to:
If you need cheaper car insurance quotes, ask every company which discounts you may be entitled to. All car insurance discounts may not be available in your area.
When it comes to choosing coverage for your vehicles, there is no best way to insure your cars. Each situation is unique.
These are some specific questions might point out if you would benefit from professional advice.
If you can’t answer these questions then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.
Knowing the specifics of auto insurance helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.
Collision insurance will pay to fix damage to your Express from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like hitting a parking meter, sideswiping another vehicle, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.
This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like fire damage, vandalism, falling objects and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Uninsured/Underinsured Motorist coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Chevy Express.
Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like dental work, doctor visits, funeral costs and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Liability auto insurance
Liability coverage can cover damage that occurs to other people or property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.
Liability can pay for things such as medical services, court costs and medical expenses. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.