Searching for lower auto insurance rates for your Chevrolet Express? Did a good deal turn into high-priced auto insurance? Say no more because you’re not the only one. Companies like Progressive, GEICO and Farmers Insurance increase brand awareness with fancy advertisements and consumers find it hard to avoid their marketing magic and do the work needed to find the best deal.
You should take the time to price shop coverage occasionally since prices change regularly. Even if you got the best deal on Express coverage a few years ago a different company probably has better premium rates today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the fastest and easiest way to reduce your cost while improving coverage.
If you have a current auto insurance policy or are shopping for new coverage, you can use this information to reduce the price you pay and still get good coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers just need to understand the most efficient way to compare prices on the web.
Performing a rate comparison can be a lot of work if you don’t know the most efficient way. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you could use online quoting to quickly compare rates.
Many popular insurance companies are enrolled in a marketplace where insurance shoppers submit one quote, and each participating company can provide price quotes based on that data. This saves time by eliminating quotation requests for each company.
To compare pricing click here to start a free quote.
The only drawback to using this type of form is you cannot specify which insurance companies you want pricing from. If you would rather choose specific insurance companies for rate comparison, we have a page of auto insurance companies in your area. Click here to view list.
Which method you use is up to you, but ensure you are comparing equivalent coverage information for every quote you compare. If you use mixed coverages you can’t possibly get a fair rate comparison.
When it comes to choosing coverage, there really is not a best way to insure your cars. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that might point out if you would benefit from professional advice.
If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.
Having a good grasp of your auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average auto insurance policy.
Collision coverage – Collision insurance will pay to fix damage to your Express resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for claims such as crashing into a building, hitting a mailbox, driving through your garage door, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.
Comprehensive insurance – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims like a broken windshield, rock chips in glass, damage from getting keyed, vandalism and hitting a deer. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Chevy Express.
Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits do not exceed the liability coverage limits.
Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like prosthetic devices, funeral costs, doctor visits, X-ray expenses and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay
Liability coverages – This coverage protects you from damage or injury you incur to other’s property or people. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.
Liability insurance covers claims such as funeral expenses, court costs, repair costs for stationary objects and structural damage. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.