Compare 2000 Chevrolet Express Car Insurance Rates

Want cheaper insurance coverage rates for your Chevrolet Express? Trying to find cheaper insurance for a new or used Chevy Express could be a lot of work, but you can use these tips to make it easier.

There is a better way to buy insurance coverage and you need to know the best way to quote coverages for a Chevy and locate the cheapest rates from local insurance agents and online providers.

How to lower your car insurance cost

Finding a better price on car insurance is a great way to save money. Consumers just need to take the time comparing free insurance quotes to find. It’s really simple and can be done in a couple of different ways.

  1. The most efficient way consumers can analyze rates is an all-inclusive rate comparison (click to open form in new window). This style of form keeps you from doing boring form submissions for every company. In just a few minutes this one form gets rate comparisons from car insurance companies with the best prices. It’s definitely the quickest method.
  2. A harder way to find lower rates is going to each individual company website and repeat the quote process again and again. For examples sake, let’s say you want to compare rates from Progressive, Farmers and American Family. You would be required to spend time on each company’s site to enter your coverage information, which is why first method is reommended. To view a list of companies in your area, click here.
  3. The least efficient method of getting rate comparisons is actually driving to all the different insurance agencies. Doing it all online makes this unnecessary unless you prefer the professional advice that can only be provided by a licensed insurance agent. Although, it is possible find lower rates online but buy from a local insurance agent.

Which method you use is up to you, but do your best to enter apples-to-apples coverages and limits for each quote you get. If each company quotes different deductibles you can’t possibly determine which rate is truly the best.

Informed consumers can save money

Many things are part of the calculation when pricing auto insurance. Some factors are common sense like a motor vehicle report, but others are less obvious such as whether you are married or your financial responsibility.

The factors shown below are a few of the “ingredients” companies use to determine your premiums.

  • Combining policies can get discounts – Most insurers allow a discount to insureds who carry more than one policy such as combining an auto and homeowners policy. The discount can add up to anywhere from five to ten percent in most cases. Even with this discount, drivers will still want to compare rates to help ensure you have the lowest rates.There is a chance you can save more without the discount by insuring with multiple companies.
  • Increase comp and collision deductibles and save – The deductibles tell how much you are required to pay before your insurance pays a claim. Coverage for physical damage, also called ‘full coverage’, insures against damage to your car. Some examples of covered claims could be a windshield broken by a bird, fire damage, and having a roll-over accident. The more money the insured has to pay upfront, the less your company will charge you for insurance on Express coverage.
  • Poor credit decisions can cost you – A driver’s credit score is a big factor in calculating your premium rate. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have poor credit. Therefore, if your credit score can use some improvement, you may save money insuring your 2000 Chevrolet Express if you improve your credit rating.
  • Lower rates with GPS tracking and theft deterrents – Selecting a car model that has a built-in theft deterrent system can earn a premium discount. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft and help lower rates.
  • Where you live can influence prices – Living in smaller towns and rural areas of the country may provide you with better prices when it comes to insurance. Fewer people means fewer accidents and lower theft and vandalism rates. People who live in big cities tend to have traffic congestion and longer commutes to work. More time behind the wheel statistically corresponds to a higher accident and claim rate.
  • Job stress can make you pay more – Jobs like military personnelairline pilots and emergency personnel are shown to have higher average rates attributed to intense work-related stress and lots of time spent at work. On the other hand, occupations such as scientists, historians and retirees get better rates on Express coverage.

Earn discounts on insurance coverage

Not too many consumers would say insurance coverage is affordable, but you might find some hidden discounts to help bring down the price. Some discounts apply automatically at the time of purchase, but some must be specially asked for in order for you to get them.

  • Include Life Insurance and Save – Larger insurance carriers have a break if you buy auto and life insurance together.
  • Discounts for Responsible Drivers – Insureds who avoid accidents can pay as much as 50% less on Express coverage compared to accident prone drivers.
  • Low Mileage Discounts – Driving less may allow you to get cheaper premium rates.
  • Memberships – Being in qualifying employment or professional organizations could qualify you for a break on insurance coverage.
  • Good Student Discount – Excelling in school can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Use Seat Belts – Forcing all vehicle occupants to buckle up can save up to 10 percent (depending on the company) off PIP or medical payments premium.

Discounts reduce rates, but you should keep in mind that most discount credits are not given the the whole policy. Most only apply to individual premiums such as comp or med pay. So when it seems like you can get free auto insurance, insurance coverage companies aren’t that generous. But all discounts will lower the cost of coverage.

Larger insurance coverage companies and some of their more popular discounts are detailed below.

  • GEICO has savings for daytime running lights, good student, defensive driver, five-year accident-free, driver training, air bags, and emergency military deployment.
  • MetLife may include discounts for good driver, accident-free, defensive driver, good student, and multi-policy.
  • State Farm includes discounts for multiple autos, good student, defensive driving training, passive restraint, and good driver.
  • Progressive has discounts for good student, multi-vehicle, online quote discount, continuous coverage, and multi-policy.
  • Mercury Insurance offers discounts including professional/association, low natural disaster claims, type of vehicle, age of vehicle, annual mileage, and anti-theft.
  • 21st Century discounts include anti-lock brakes, early bird, teen driver, theft prevention, 55 and older, driver training, and defensive driver.
  • Allstate may have discounts that include senior citizen, good student, anti-lock brakes, utility vehicle, good payer, and economy car.

If you want low cost insurance quotes, ask every prospective company what discounts are available to you. Some of the discounts discussed earlier may not be offered in your state.

Tailor your car insurance coverage to you

When buying coverage for your vehicles, there isn’t really a one size fits all plan. Every situation is different.

These are some specific questions can aid in determining whether your personal situation will benefit from professional help.

  • Can I get a multi-policy discount?
  • Do I need motorclub coverage?
  • Should I have a commercial auto policy?
  • How much liability do I need to cover my assets?
  • Will filing a claim cost me more?
  • Should I put collision coverage on all my vehicles?
  • Will I lose any money if I cancel my policy before it expires?
  • Why is insurance for a teen driver so high?
  • Should I buy more coverage than the required minimum liability coverage?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Car insurance policy coverages for a 2000 Chevy Express

Learning about specific coverages of your policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

UM/UIM Coverage

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Chevy Express.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a ditch, damaging your car on a curb, hitting a mailbox and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for ambulance fees, doctor visits, EMT expenses and nursing services. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Liability coverage

Liability insurance protects you from damage or injury you incur to a person or their property by causing an accident. It protects you from legal claims by others. Liability 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. You commonly see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims such as medical expenses, medical services, pain and suffering, bail bonds and funeral expenses. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as falling objects, vandalism and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Don’t be a big spender

Cost effective 2000 Chevy Express insurance is possible on the web and also from your neighborhood agents, and you should compare price quotes from both to have the best selection. Some insurance companies do not provide online quoting and many times these small, regional companies only sell through independent insurance agents.

As you quote insurance, it’s a bad idea to buy poor coverage just to save money. In many cases, someone sacrificed liability coverage limits and learned later that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage at the best price and still be able to protect your assets.

We just presented many ideas to lower your 2000 Chevy Express insurance car insurance rates. The most important thing to understand is the more quotes you get, the higher your chance of finding cheaper insurance. Consumers may even find the most savings is with the smaller companies.

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