Are you burned out from wondering where the money will come from to insure your Chevy every month? You’re in the same situation as the majority of other people.
People have multiple insurers to buy insurance from, and although it’s nice to be able to choose, it makes it harder to find the lowest rates.
You need to price shop coverage once or twice a year because car insurance prices are usually higher with each renewal. Just because you had the lowest quotes for Express coverage a couple years back you can probably find a lower rate today. Ignore everything you know about car insurance because I’m going to teach you how to use online quotes to remove unneeded coverages and save money.
Some providers don’t always advertise all available discounts very well, so the following list contains some of the best known and the harder-to-find discounts you could be receiving when you buy insurance coverage online.
A little disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like you could get a free auto insurance policy, companies don’t profit that way.
Car insurance companies that may offer policyholders these discounts include:
Double check with every insurance company the best way to save money. A few discounts might not apply in your area. To choose insurance companies with the best auto insurance discounts, follow this link.
When buying the best auto insurance coverage, there really is no perfect coverage plan. Every situation is different so your insurance needs to address that. For instance, these questions might help in determining if your situation would benefit from professional advice.
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier
Understanding the coverages of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages available from insurance companies.
This coverage provides protection from damage that occurs to people or other property. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.
Liability insurance covers things like attorney fees, funeral expenses, medical services and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.
This coverage pays for damage to your Express from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers things like hitting a mailbox, colliding with a tree, backing into a parked car, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also bump up the deductible to bring the cost down.
Med pay and PIP coverage kick in for short-term medical expenses for EMT expenses, nursing services, ambulance fees and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like damage from getting keyed, vandalism and damage from flooding. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
We just presented some good ideas how you can save on 1999 Chevy Express insurance. The most important thing to understand is the more times you quote, the better your chances of lowering your prices. You may even discover the best premium rates are with some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.
Some auto insurance companies may not provide price quotes online and these small insurance companies only sell through independent agents. Lower-priced auto insurance is attainable online and from local agencies, and you should compare rates from both so you have a total pricing picture.
Additional auto insurance information is available on the following sites: